The Home Savings And Loan Comp
HMDA Loan Application Totals
and Mortgage Lending Details
for 2015
The Home Savings And Loan Comp 2015 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 | 3,251 |
| Total Mortgage Loan Application Amount | $586,253,000 |
| Average Mortgage Loan Application Amount | $172,333 |
| Highest Mortgage Loan Application Amount | $10,250,000 |
| Average Applicant Income | $92,666 |
| Highest Applicant Income | $1,188,000 |
Explore comprehensive HMDA mortgage statistics and lending trends for 2015 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 2015 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 2015.
| 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 | 802 | $ 88,887,000 | $ 110,000 | $ 77,000 |
| Columbiana County Ohio | 319 | $ 31,302,000 | $ 98,000 | $ 66,000 |
| Trumbull County Ohio | 180 | $ 18,709,000 | $ 103,000 | $ 73,000 |
| Summit County Ohio | 175 | $ 45,888,000 | $ 262,000 | $ 127,000 |
| Cuyahoga County Ohio | 151 | $ 59,768,000 | $ 395,000 | $ 145,000 |
| Lake County Ohio | 144 | $ 34,402,000 | $ 238,000 | $ 117,000 |
| Medina County Ohio | 115 | $ 28,151,000 | $ 244,000 | $ 129,000 |
| Portage County Ohio | 101 | $ 19,056,000 | $ 188,000 | $ 119,000 |
| Lucas County Ohio | 92 | $ 14,983,000 | $ 162,000 | $ 88,000 |
| Geauga County Ohio | 91 | $ 23,717,000 | $ 260,000 | $ 152,000 |
| Stark County Ohio | 86 | $ 21,646,000 | $ 251,000 | $ 107,000 |
| Allegheny County Pennsylvania | 86 | $ 22,000,000 | $ 255,000 | $ 101,000 |
| Huron County Ohio | 77 | $ 6,873,000 | $ 89,000 | $ 65,000 |
| Beaver County Pennsylvania | 75 | $ 11,608,000 | $ 154,000 | $ 91,000 |
| Franklin County Ohio | 62 | $ 25,171,000 | $ 405,000 | $ 128,000 |
| Westmoreland County Pennsylvania | 48 | $ 9,446,000 | $ 196,000 | $ 95,000 |
| Wood County Ohio | 39 | $ 7,487,000 | $ 191,000 | $ 113,000 |
| Erie County Ohio | 38 | $ 4,431,000 | $ 116,000 | $ 74,000 |
| Richland County Ohio | 37 | $ 4,038,000 | $ 109,000 | $ 76,000 |
| Ashland County Ohio | 36 | $ 4,611,000 | $ 128,000 | $ 62,000 |
| Lorain County Ohio | 33 | $ 8,333,000 | $ 252,000 | $ 103,000 |
| Sandusky County Ohio | 30 | $ 2,578,000 | $ 85,000 | $ 78,000 |
| Licking County Ohio | 29 | $ 6,361,000 | $ 219,000 | $ 100,000 |
| Delaware County Ohio | 27 | $ 8,492,000 | $ 314,000 | $ 125,000 |
| Seneca County Ohio | 26 | $ 3,288,000 | $ 126,000 | $ 78,000 |
| Lawrence County Pennsylvania | 26 | $ 5,184,000 | $ 199,000 | $ 105,000 |
| Wayne County Ohio | 24 | $ 4,631,000 | $ 192,000 | $ 84,000 |
| Butler County Pennsylvania | 22 | $ 6,025,000 | $ 273,000 | $ 116,000 |
| Washington County Pennsylvania | 20 | $ 4,462,000 | $ 223,000 | $ 88,000 |
| Fayette County Pennsylvania | 16 | $ 3,653,000 | $ 228,000 | $ 92,000 |
| Tuscarawas County Ohio | 15 | $ 3,104,000 | $ 206,000 | $ 95,000 |
| Ottawa County Ohio | 13 | $ 2,594,000 | $ 199,000 | $ 101,000 |
| Belmont County Ohio | 12 | $ 2,467,000 | $ 205,000 | $ 99,000 |
| Monroe County Michigan | 10 | $ 1,868,000 | $ 186,000 | $ 96,000 |
| Union County Ohio | 10 | $ 2,642,000 | $ 264,000 | $ 116,000 |
| Ashtabula County Ohio | 9 | $ 1,402,000 | $ 155,000 | $ 112,000 |
| Fairfield County Ohio | 8 | $ 2,002,000 | $ 250,000 | $ 85,000 |
| Mercer County Pennsylvania | 8 | $ 1,014,000 | $ 126,000 | $ 89,000 |
| Hancock County West Virginia | 8 | $ 1,136,000 | $ 142,000 | $ 84,000 |
| Armstrong County Pennsylvania | 7 | $ 2,026,000 | $ 289,000 | $ 113,000 |
| Indiana County Pennsylvania | 7 | $ 1,735,000 | $ 247,000 | $ 74,000 |
| Pickaway County Ohio | 5 | $ 898,000 | $ 179,000 | $ 89,000 |
| Ohio County West Virginia | 5 | $ 1,225,000 | $ 245,000 | $ 94,000 |
| Lee County Florida | 4 | $ 657,000 | $ 164,000 | $ 150,000 |
| Carroll County Ohio | 4 | $ 484,000 | $ 121,000 | $ 63,000 |
| Champaign County Ohio | 4 | $ 796,000 | $ 199,000 | $ 113,000 |
| Clark County Ohio | 4 | $ 1,038,000 | $ 259,000 | $ 123,000 |
| Harrison County Ohio | 4 | $ 902,000 | $ 225,000 | $ 100,000 |
| Madison County Ohio | 4 | $ 1,120,000 | $ 280,000 | $ 144,000 |
| Muskingum County Ohio | 4 | $ 828,000 | $ 207,000 | $ 97,000 |
| Wood County West Virginia | 4 | $ 902,000 | $ 225,000 | $ 103,000 |
| Fulton County Ohio | 3 | $ 746,000 | $ 248,000 | $ 74,000 |
| Hancock County Ohio | 3 | $ 556,000 | $ 185,000 | $ 104,000 |
| Hardin County Ohio | 3 | $ 557,000 | $ 185,000 | $ 66,000 |
| Jefferson County Ohio | 3 | $ 435,000 | $ 145,000 | $ 81,000 |
| Knox County Ohio | 3 | $ 827,000 | $ 275,000 | $ 93,000 |
| Monroe County Ohio | 3 | $ 693,000 | $ 231,000 | $ 118,000 |
| Morrow County Ohio | 3 | $ 723,000 | $ 241,000 | $ 118,000 |
| Perry County Ohio | 3 | $ 788,000 | $ 262,000 | $ 121,000 |
| Warren County Ohio | 3 | $ 652,000 | $ 217,000 | $ 115,000 |
| Cambria County Pennsylvania | 3 | $ 572,000 | $ 190,000 | $ 83,000 |
| Brooke County West Virginia | 3 | $ 756,000 | $ 252,000 | $ 176,000 |
| Marshall County West Virginia | 3 | $ 796,000 | $ 265,000 | $ 114,000 |
| Monongalia County West Virginia | 3 | $ 1,202,000 | $ 400,000 | $ 248,000 |
| Taylor County West Virginia | 3 | $ 521,000 | $ 173,000 | $ 79,000 |
| Wetzel County West Virginia | 3 | $ 598,000 | $ 199,000 | $ 99,000 |
| Broward County Florida | 2 | $ 400,000 | $ 200,000 | $ 51,000 |
| Clinton County Ohio | 2 | $ 200,000 | $ 100,000 | $ 77,000 |
| Crawford County Ohio | 2 | $ 240,000 | $ 120,000 | $ 47,000 |
| Logan County Ohio | 2 | $ 522,000 | $ 261,000 | $ 86,000 |
| Marion County Ohio | 2 | $ 545,000 | $ 272,000 | $ 118,000 |
| Morgan County Ohio | 2 | $ 146,000 | $ 73,000 | $ 35,000 |
| Putnam County Ohio | 2 | $ 490,000 | $ 245,000 | $ 95,000 |
| Collier County Florida | 1 | $ 330,000 | $ 330,000 | $ 166,000 |
| Lake County Florida | 1 | $ 87,000 | $ 87,000 | $ 39,000 |
| Monroe County Florida | 1 | $ 348,000 | $ 348,000 | $ 216,000 |
| Santa Rosa County Florida | 1 | $ 179,000 | $ 179,000 | $ 55,000 |
| Volusia County Florida | 1 | $ 161,000 | $ 161,000 | $ 39,000 |
| Kosciusko County Indiana | 1 | $ 111,000 | $ 111,000 | $ 42,000 |
| Marion County Indiana | 1 | $ 106,000 | $ 106,000 | $ 72,000 |
| Garrett County Maryland | 1 | $ 340,000 | $ 340,000 | $ 530,000 |
| Hillsdale County Michigan | 1 | $ 185,000 | $ 185,000 | $ 65,000 |
| Lenawee County Michigan | 1 | $ 154,000 | $ 154,000 | $ 109,000 |
| Wayne County Michigan | 1 | $ 215,000 | $ 215,000 | $ 58,000 |
| Wexford County Michigan | 1 | $ 162,000 | $ 162,000 | $ 126,000 |
| Union County North Carolina | 1 | $ 384,000 | $ 384,000 | $ 200,000 |
| Allen County Ohio | 1 | $ 229,000 | $ 229,000 | $ 99,000 |
| Auglaize County Ohio | 1 | $ 190,000 | $ 190,000 | $ 70,000 |
| Butler County Ohio | 1 | $ 170,000 | $ 170,000 | $ 83,000 |
| Clermont County Ohio | 1 | $ 148,000 | $ 148,000 | $ 58,000 |
| Coshocton County Ohio | 1 | $ 156,000 | $ 156,000 | $ 50,000 |
| Hamilton County Ohio | 1 | $ 76,000 | $ 76,000 | $ 48,000 |
| Henry County Ohio | 1 | $ 174,000 | $ 174,000 | $ 67,000 |
| Meigs County Ohio | 1 | $ 256,000 | $ 256,000 | $ 76,000 |
| Mercer County Ohio | 1 | $ 221,000 | $ 221,000 | $ 100,000 |
| Pike County Ohio | 1 | $ 250,000 | $ 250,000 | $ 37,000 |
| Ross County Ohio | 1 | $ 134,000 | $ 134,000 | $ 76,000 |
| Van Wert County Ohio | 1 | $ 292,000 | $ 292,000 | $ 137,000 |
| Washington County Ohio | 1 | $ 234,000 | $ 234,000 | $ 62,000 |
| Wyandot County Ohio | 1 | $ 91,000 | $ 91,000 | $ 70,000 |
| Bedford County Pennsylvania | 1 | $ 226,000 | $ 226,000 | $ 98,000 |
| Carbon County Pennsylvania | 1 | $ 36,000 | $ 36,000 | $ 50,000 |
| Crawford County Pennsylvania | 1 | $ 77,000 | $ 77,000 | $ 104,000 |
| Cumberland County Pennsylvania | 1 | $ 277,000 | $ 277,000 | $ 215,000 |
| Greene County Pennsylvania | 1 | $ 315,000 | $ 315,000 | $ 129,000 |
| Jefferson County Pennsylvania | 1 | $ 189,000 | $ 189,000 | $ 72,000 |
| Luzerne County Pennsylvania | 1 | $ 270,000 | $ 270,000 | $ 138,000 |
| Somerset County Pennsylvania | 1 | $ 390,000 | $ 390,000 | $ 102,000 |
| Harrison County West Virginia | 1 | $ 104,000 | $ 104,000 | $ 52,000 |
Mortgage Loan Application Detail Totals for The Home Savings And Loan Comp in 2015
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 | 2,018 | $390,834,000 | $193,000 | $10,000,000 | $100,000 | $1,188,000 |
| Refinancing | 1,057 | $165,974,000 | $157,000 | $10,250,000 | $87,000 | $700,000 |
| Home Improvement | 176 | $29,445,000 | $167,000 | $5,300,000 | $91,000 | $377,000 |
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 | 2,608 | $404,109,000 | $154,000 | $1,155,000 | $90,000 | $1,188,000 |
| Not Provided | 515 | $111,162,000 | $215,000 | $1,638,000 | $121,000 | $871,000 |
| Black or African American | 45 | $5,012,000 | $111,000 | $417,000 | $72,000 | $600,000 |
| Hispanic | 35 | $3,734,000 | $106,000 | $365,000 | $86,000 | $204,000 |
| Asian | 24 | $5,067,000 | $211,000 | $644,000 | $179,000 | $410,000 |
| Not applicable | 18 | $55,935,000 | $3,107,000 | $10,250,000 | $0 | $0 |
| American Indian or Alaskan Native | 3 | $951,000 | $317,000 | $680,000 | $244,000 | $562,000 |
| Native Hawaiian or Other Pacific Islander | 3 | $283,000 | $94,000 | $225,000 | $74,000 | $177,000 |
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) | 3,109 | $570,697,000 | $183,000 | $10,250,000 | $97,000 | $1,188,000 |
| FHA-insured (Federal Housing Administration) | 124 | $12,971,000 | $104,000 | $276,000 | $55,000 | $419,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 14 | $1,508,000 | $107,000 | $211,000 | $48,000 | $94,000 |
| VA-guaranteed (Veterans Administration) | 4 | $1,077,000 | $269,000 | $380,000 | $109,000 | $164,000 |
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 | 2,418 | $445,574,000 | $184,000 | $10,250,000 | $98,000 | $1,188,000 |
| Application Denied By Financial Institution | 428 | $55,225,000 | $129,000 | $1,155,000 | $76,000 | $525,000 |
| Application Approved But Not Accepted | 212 | $35,915,000 | $169,000 | $1,000,000 | $102,000 | $575,000 |
| Application Withdrawn By Applicant | 175 | $46,023,000 | $262,000 | $10,000,000 | $97,000 | $450,000 |
| File Closed For Incompleteness | 18 | $3,516,000 | $195,000 | $799,000 | $100,000 | $481,000 |
| 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 |
|---|---|---|---|---|---|---|
| Collateral | 173 | $29,697,000 | $171,000 | $1,155,000 | $98,000 | $525,000 |
| Credit History | 146 | $10,973,000 | $75,000 | $489,000 | $59,000 | $334,000 |
| Debt-To-Income Ratio | 78 | $11,357,000 | $145,000 | $506,000 | $59,000 | $192,000 |
| Other | 14 | $1,676,000 | $119,000 | $325,000 | $85,000 | $221,000 |
| Credit Application Incomplete | 8 | $436,000 | $54,000 | $100,000 | $59,000 | $99,000 |
| Employment History | 3 | $552,000 | $184,000 | $223,000 | $62,000 | $83,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 3 | $274,000 | $91,000 | $101,000 | $53,000 | $92,000 |
| Unverifiable Information | 2 | $78,000 | $39,000 | $69,000 | $68,000 | $105,000 |
| Mortgage Insurance Denied | 1 | $182,000 | $182,000 | $182,000 | $52,000 | $52,000 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into The Home Savings And Loan Comp's 2015 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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