The Home Savings And Loan Comp
HMDA Loan Application Totals
and Mortgage Lending Details
for 2014
The Home Savings And Loan Comp 2014 HMDA loan application data provides key insights into its mortgage lending trends, applicant demographics, and loan distribution.
The Home Mortgage Disclosure Act (HMDA) requires lenders to report detailed loan application data, offering transparency into lending patterns.
The data reveals trends in average loan size, applicant income, and mortgage approval rates, helping consumers and analysts understand lending accessibility.
Below, explore a breakdown of loan applications by county, metro area, loan purpose, applicant race, loan type, and more.
Whether you're an industry professional, homebuyer, or researcher,
this information provides valuable insights into mortgage lending activity.
Scroll down to view the full dataset and analyze lending trends in greater detail.
| Mortgage Company & Address | The Home Savings And Loan Comp 275 W Federal St Youngstown, OH 44503 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2016 2015 2014 2013 2012 2011 2010 2009 2008 2007 2006 2005 2004 2003 |
| Total Number of Mortgage Applications | 3,192 |
| Total Mortgage Loan Application Amount | $517,570,000 |
| Average Mortgage Loan Application Amount | $131,333 |
| Highest Mortgage Loan Application Amount | $12,000,000 |
| Average Applicant Income | $88,000 |
| Highest Applicant Income | $8,319,000 |
Explore comprehensive HMDA mortgage statistics and lending trends for 2014 with The Home Savings And Loan Comp. Below, you'll find key insights into this lender's mortgage activity, including total loan applications, average mortgage amounts, highest application values, and income levels of top applicants. Whether you're analyzing The Home Savings And Loan Comp's lending patterns or researching mortgage trends, these statistics provide valuable transparency into their loan activity.
Our HMDA dataset for 2014 breaks down The Home Savings And Loan Comp's mortgage applications by loan purpose, applicant race, loan type, approval outcomes, and reasons for denial. These insights help homebuyers, financial analysts, and industry professionals assess borrower demographics and lending practices, offering a clearer view of how The Home Savings And Loan Comp serves its applicants.
Each category highlights the total number of mortgage applications processed by The Home Savings And Loan Comp, total loan amounts, average mortgage values, and the highest mortgage amounts recorded. You can also review borrower income trends, including the average and highest reported applicant incomes for loans issued by this lender. Whether you're evaluating lender performance, comparing mortgage approval rates, or exploring loan options, this HMDA-backed data offers a crucial look at The Home Savings And Loan Comp's mortgage activity for 2014.
| County | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loans Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Mahoning County Ohio | 858 | $ 84,351,000 | $ 98,000 | $ 73,000 |
| Columbiana County Ohio | 313 | $ 25,980,000 | $ 83,000 | $ 66,000 |
| Trumbull County Ohio | 205 | $ 21,067,000 | $ 102,000 | $ 77,000 |
| Summit County Ohio | 180 | $ 41,576,000 | $ 230,000 | $ 136,000 |
| Cuyahoga County Ohio | 150 | $ 43,749,000 | $ 291,000 | $ 191,000 |
| Medina County Ohio | 125 | $ 27,999,000 | $ 223,000 | $ 129,000 |
| Lake County Ohio | 124 | $ 33,303,000 | $ 268,000 | $ 113,000 |
| Portage County Ohio | 105 | $ 18,269,000 | $ 173,000 | $ 94,000 |
| Geauga County Ohio | 96 | $ 26,186,000 | $ 272,000 | $ 148,000 |
| Stark County Ohio | 95 | $ 20,067,000 | $ 211,000 | $ 115,000 |
| Huron County Ohio | 83 | $ 6,001,000 | $ 72,000 | $ 64,000 |
| Beaver County Pennsylvania | 76 | $ 11,291,000 | $ 148,000 | $ 82,000 |
| Allegheny County Pennsylvania | 75 | $ 13,749,000 | $ 183,000 | $ 103,000 |
| Westmoreland County Pennsylvania | 43 | $ 8,787,000 | $ 204,000 | $ 83,000 |
| Lucas County Ohio | 39 | $ 6,886,000 | $ 176,000 | $ 90,000 |
| Erie County Ohio | 36 | $ 4,177,000 | $ 116,000 | $ 70,000 |
| Seneca County Ohio | 36 | $ 3,744,000 | $ 104,000 | $ 75,000 |
| Franklin County Ohio | 35 | $ 5,765,000 | $ 164,000 | $ 104,000 |
| Butler County Pennsylvania | 33 | $ 11,904,000 | $ 360,000 | $ 89,000 |
| Sandusky County Ohio | 32 | $ 2,931,000 | $ 91,000 | $ 76,000 |
| Licking County Ohio | 31 | $ 6,917,000 | $ 223,000 | $ 106,000 |
| Lorain County Ohio | 31 | $ 7,340,000 | $ 236,000 | $ 96,000 |
| Ashland County Ohio | 30 | $ 3,283,000 | $ 109,000 | $ 79,000 |
| Wood County Ohio | 27 | $ 6,084,000 | $ 225,000 | $ 99,000 |
| Delaware County Ohio | 25 | $ 7,279,000 | $ 291,000 | $ 146,000 |
| Richland County Ohio | 25 | $ 2,714,000 | $ 108,000 | $ 73,000 |
| Wayne County Ohio | 18 | $ 2,725,000 | $ 151,000 | $ 118,000 |
| Lawrence County Pennsylvania | 16 | $ 2,658,000 | $ 166,000 | $ 82,000 |
| Ashtabula County Ohio | 15 | $ 4,304,000 | $ 286,000 | $ 147,000 |
| Washington County Pennsylvania | 15 | $ 2,637,000 | $ 175,000 | $ 101,000 |
| Tuscarawas County Ohio | 14 | $ 2,310,000 | $ 165,000 | $ 96,000 |
| Belmont County Ohio | 13 | $ 2,601,000 | $ 200,000 | $ 83,000 |
| Fairfield County Ohio | 13 | $ 3,148,000 | $ 242,000 | $ 92,000 |
| Ottawa County Ohio | 11 | $ 2,657,000 | $ 241,000 | $ 277,000 |
| Carroll County Ohio | 8 | $ 1,014,000 | $ 126,000 | $ 65,000 |
| Hancock County Ohio | 8 | $ 1,123,000 | $ 140,000 | $ 68,000 |
| Jefferson County Ohio | 8 | $ 1,252,000 | $ 156,000 | $ 93,000 |
| Knox County Ohio | 8 | $ 1,549,000 | $ 193,000 | $ 91,000 |
| Union County Ohio | 8 | $ 1,694,000 | $ 211,000 | $ 94,000 |
| Morrow County Ohio | 7 | $ 1,049,000 | $ 149,000 | $ 74,000 |
| Fayette County Pennsylvania | 7 | $ 1,149,000 | $ 164,000 | $ 79,000 |
| Mercer County Pennsylvania | 5 | $ 998,000 | $ 199,000 | $ 67,000 |
| Hancock County West Virginia | 5 | $ 551,000 | $ 110,000 | $ 65,000 |
| Fulton County Ohio | 4 | $ 632,000 | $ 158,000 | $ 66,000 |
| Madison County Ohio | 4 | $ 676,000 | $ 169,000 | $ 100,000 |
| Marion County Ohio | 4 | $ 966,000 | $ 241,000 | $ 94,000 |
| Morgan County Ohio | 4 | $ 640,000 | $ 160,000 | $ 77,000 |
| Scioto County Ohio | 4 | $ 600,000 | $ 150,000 | $ 84,000 |
| Wood County West Virginia | 4 | $ 450,000 | $ 112,000 | $ 64,000 |
| Collier County Florida | 3 | $ 613,000 | $ 204,000 | $ 145,000 |
| Monroe County Michigan | 3 | $ 806,000 | $ 268,000 | $ 274,000 |
| Allen County Ohio | 3 | $ 570,000 | $ 190,000 | $ 104,000 |
| Coshocton County Ohio | 3 | $ 458,000 | $ 152,000 | $ 84,000 |
| Harrison County Ohio | 3 | $ 420,000 | $ 140,000 | $ 89,000 |
| Montgomery County Ohio | 3 | $ 297,000 | $ 99,000 | $ 64,000 |
| Perry County Ohio | 3 | $ 577,000 | $ 192,000 | $ 86,000 |
| Indiana County Pennsylvania | 3 | $ 755,000 | $ 251,000 | $ 106,000 |
| Monongalia County West Virginia | 3 | $ 2,038,000 | $ 679,000 | $ 33,000 |
| Auglaize County Ohio | 2 | $ 199,000 | $ 99,000 | $ 107,000 |
| Greene County Ohio | 2 | $ 461,000 | $ 230,000 | $ 175,000 |
| Hamilton County Ohio | 2 | $ 609,000 | $ 304,000 | $ 189,000 |
| Pickaway County Ohio | 2 | $ 473,000 | $ 236,000 | $ 77,000 |
| Shelby County Ohio | 2 | $ 348,000 | $ 174,000 | $ 85,000 |
| Washington County Ohio | 2 | $ 141,000 | $ 70,000 | $ 106,000 |
| Armstrong County Pennsylvania | 2 | $ 350,000 | $ 175,000 | $ 114,000 |
| Marion County West Virginia | 2 | $ 306,000 | $ 153,000 | $ 54,000 |
| Marshall County West Virginia | 2 | $ 409,000 | $ 204,000 | $ 81,000 |
| Ohio County West Virginia | 2 | $ 570,000 | $ 285,000 | $ 140,000 |
| Brevard County Florida | 1 | $ 232,000 | $ 232,000 | $ 151,000 |
| Broward County Florida | 1 | $ 299,000 | $ 299,000 | $ 6,000 |
| Charlotte County Florida | 1 | $ 50,000 | $ 50,000 | $ 79,000 |
| Lee County Florida | 1 | $ 130,000 | $ 130,000 | $ 60,000 |
| Pasco County Florida | 1 | $ 240,000 | $ 240,000 | $ 91,000 |
| Pinellas County Florida | 1 | $ 96,000 | $ 96,000 | $ 44,000 |
| Sarasota County Florida | 1 | $ 60,000 | $ 60,000 | $ 75,000 |
| Volusia County Florida | 1 | $ 182,000 | $ 182,000 | $ 81,000 |
| Henry County Georgia | 1 | $ 12,000,000 | $ 12,000,000 | $ 0 |
| Hillsdale County Michigan | 1 | $ 144,000 | $ 144,000 | $ 348,000 |
| Lenawee County Michigan | 1 | $ 320,000 | $ 320,000 | $ 163,000 |
| Athens County Ohio | 1 | $ 145,000 | $ 145,000 | $ 50,000 |
| Champaign County Ohio | 1 | $ 183,000 | $ 183,000 | $ 101,000 |
| Clark County Ohio | 1 | $ 226,000 | $ 226,000 | $ 78,000 |
| Clermont County Ohio | 1 | $ 125,000 | $ 125,000 | $ 34,000 |
| Clinton County Ohio | 1 | $ 230,000 | $ 230,000 | $ 67,000 |
| Crawford County Ohio | 1 | $ 47,000 | $ 47,000 | $ 51,000 |
| Defiance County Ohio | 1 | $ 110,000 | $ 110,000 | $ 54,000 |
| Guernsey County Ohio | 1 | $ 190,000 | $ 190,000 | $ 45,000 |
| Hardin County Ohio | 1 | $ 248,000 | $ 248,000 | $ 58,000 |
| Henry County Ohio | 1 | $ 198,000 | $ 198,000 | $ 86,000 |
| Holmes County Ohio | 1 | $ 536,000 | $ 536,000 | $ 200,000 |
| Miami County Ohio | 1 | $ 246,000 | $ 246,000 | $ 100,000 |
| Muskingum County Ohio | 1 | $ 143,000 | $ 143,000 | $ 48,000 |
| Noble County Ohio | 1 | $ 175,000 | $ 175,000 | $ 54,000 |
| Paulding County Ohio | 1 | $ 158,000 | $ 158,000 | $ 83,000 |
| Pike County Ohio | 1 | $ 130,000 | $ 130,000 | $ 67,000 |
| Preble County Ohio | 1 | $ 247,000 | $ 247,000 | $ 117,000 |
| Blair County Pennsylvania | 1 | $ 190,000 | $ 190,000 | $ 40,000 |
| Cambria County Pennsylvania | 1 | $ 264,000 | $ 264,000 | $ 123,000 |
| Crawford County Pennsylvania | 1 | $ 165,000 | $ 165,000 | $ 35,000 |
| Greene County Pennsylvania | 1 | $ 236,000 | $ 236,000 | $ 78,000 |
| Somerset County Pennsylvania | 1 | $ 255,000 | $ 255,000 | $ 115,000 |
| Wetzel County West Virginia | 1 | $ 188,000 | $ 188,000 | $ 81,000 |
Mortgage Loan Application Detail Totals for The Home Savings And Loan Comp in 2014
Loan Purpose |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Home Purchase | 1,971 | $367,754,000 | $186,000 | $2,135,000 | $106,000 | $8,319,000 |
| Refinancing | 972 | $131,169,000 | $134,000 | $12,000,000 | $78,000 | $848,000 |
| Home Improvement | 249 | $18,647,000 | $74,000 | $1,500,000 | $80,000 | $963,000 |
Applicant Race |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| White | 2,492 | $348,920,000 | $140,000 | $1,645,000 | $92,000 | $8,319,000 |
| Not Provided | 567 | $114,193,000 | $201,000 | $1,613,000 | $119,000 | $1,050,000 |
| Black or African American | 50 | $4,695,000 | $93,000 | $391,000 | $76,000 | $354,000 |
| Hispanic | 41 | $2,999,000 | $73,000 | $257,000 | $52,000 | $142,000 |
| Not applicable | 22 | $42,932,000 | $1,951,000 | $12,000,000 | $0 | $0 |
| Asian | 14 | $3,168,000 | $226,000 | $748,000 | $106,000 | $358,000 |
| American Indian or Alaskan Native | 4 | $418,000 | $104,000 | $165,000 | $39,000 | $63,000 |
| Native Hawaiian or Other Pacific Islander | 2 | $245,000 | $122,000 | $160,000 | $88,000 | $132,000 |
Loan Type |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Conventional (any loan other than FHA, VA, FSA, or RHS loans) | 3,047 | $501,072,000 | $164,000 | $12,000,000 | $97,000 | $8,319,000 |
| FHA-insured (Federal Housing Administration) | 108 | $11,727,000 | $108,000 | $286,000 | $57,000 | $164,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 21 | $2,325,000 | $110,000 | $250,000 | $47,000 | $85,000 |
| VA-guaranteed (Veterans Administration) | 16 | $2,446,000 | $152,000 | $415,000 | $70,000 | $141,000 |
Outcome |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Loan Originated | 2,389 | $384,283,000 | $160,000 | $4,030,000 | $100,000 | $8,319,000 |
| Application Denied By Financial Institution | 438 | $53,628,000 | $122,000 | $1,725,000 | $70,000 | $654,000 |
| Application Approved But Not Accepted | 200 | $32,393,000 | $161,000 | $1,281,000 | $87,000 | $963,000 |
| Application Withdrawn By Applicant | 140 | $42,797,000 | $305,000 | $12,000,000 | $101,000 | $1,050,000 |
| File Closed For Incompleteness | 25 | $4,469,000 | $178,000 | $694,000 | $96,000 | $500,000 |
| Loan Purchased By The Institution | 0 | $0 | $0 | $0 | $0 | $0 |
| Preapproval Approved but not Accepted | 0 | $0 | $0 | $0 | $0 | $0 |
| Preapproval Denied by Financial Institution | 0 | $0 | $0 | $0 | $0 | $0 |
Denial Reason |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Credit History | 156 | $12,560,000 | $80,000 | $650,000 | $70,000 | $654,000 |
| Collateral | 134 | $18,866,000 | $140,000 | $1,613,000 | $93,000 | $647,000 |
| Debt-To-Income Ratio | 114 | $15,776,000 | $138,000 | $1,500,000 | $44,000 | $255,000 |
| Other | 18 | $2,773,000 | $154,000 | $890,000 | $76,000 | $470,000 |
| Credit Application Incomplete | 6 | $341,000 | $56,000 | $116,000 | $47,000 | $79,000 |
| Employment History | 4 | $794,000 | $198,000 | $401,000 | $46,000 | $85,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 4 | $2,347,000 | $586,000 | $1,725,000 | $92,000 | $262,000 |
| Unverifiable Information | 2 | $171,000 | $85,000 | $134,000 | $41,000 | $83,000 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into The Home Savings And Loan Comp's 2014 lending activity. By analyzing detailed data on mortgage applications, total loan amounts, applicant incomes, loan purposes, and approval rates, industry professionals, researchers, and analysts can gain a clear understanding of this lender's role in the mortgage market.
This in-depth HMDA data allows real estate experts, financial analysts, and policymakers to track lending trends, evaluate borrower demographics,
and assess The Home Savings And Loan Comp's mortgage approval patterns.
Utilize this powerful dataset to analyze market performance, compare lending practices, and make data-driven decisions in the ever-changing mortgage industry.
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