The Home Savings and Loan Comp Mortgage Lending & HMDA Data, 2005
In 2005, The Home Savings and Loan Comp of Youngstown, OH reported 6,118 mortgage applications totaling $724.2 million, up 21% from 2004. The average application was for $118,374, and applicants reported an average income of $70,349. 69% of its applications resulted in an originated loan and 8% were denied. Its largest markets were Youngstown-Warren-Boardman, OH-PA (1,285), Columbus, OH (582) and Cleveland-Elyria-Mentor, OH (417) (applications in parentheses).
| 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 | 6,118 |
| Total Mortgage Loan Application Amount | $724,213,000 |
| Average Mortgage Loan Application Amount | $118,374 |
| Highest Mortgage Loan Application Amount | $2,475,000 |
| Average Applicant Income | $70,349 |
| Highest Applicant Income | $4,755,000 |
About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records The Home Savings and Loan Comp filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans. Applications reported at $100 million or more are left out of these totals.
| Metro Area | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Youngstown-Warren-Boardman, OH-PA | 1,285 | $ 140,062,000 | $ 108,997 | $ 60,000 |
| Columbus, OH | 582 | $ 68,064,000 | $ 116,948 | $ 82,000 |
| Cleveland-Elyria-Mentor, OH | 417 | $ 76,691,000 | $ 183,911 | $ 91,000 |
| Akron, OH | 348 | $ 55,768,000 | $ 160,252 | $ 82,000 |
| Canton-Massillon, OH | 243 | $ 29,982,000 | $ 123,382 | $ 94,000 |
| Cincinnati-Middletown, OH-KY-IN | 204 | $ 23,295,000 | $ 114,191 | $ 78,000 |
| Sandusky, OH | 115 | $ 18,810,000 | $ 163,565 | $ 88,000 |
| Mansfield, OH | 114 | $ 11,799,000 | $ 103,500 | $ 52,000 |
| Toledo, OH | 114 | $ 17,134,000 | $ 150,298 | $ 86,000 |
| Pittsburgh, PA | 112 | $ 15,969,000 | $ 142,580 | $ 66,000 |
| Indianapolis, IN | 65 | $ 9,639,000 | $ 148,292 | $ 88,000 |
| South Bend-Mishawaka, IN-MI | 53 | $ 4,868,000 | $ 91,849 | $ 76,000 |
| Fort Wayne, IN | 50 | $ 4,181,000 | $ 83,620 | $ 56,000 |
| Dayton, OH | 20 | $ 1,972,000 | $ 98,600 | $ 66,000 |
| Elkhart-Goshen, IN | 10 | $ 677,000 | $ 67,700 | $ 60,000 |
| Louisville, KY-IN | 10 | $ 1,046,000 | $ 104,600 | $ 77,000 |
| Naples-Marco Island, FL | 10 | $ 3,110,000 | $ 311,000 | $ 620,000 |
| Cape Coral-Fort Myers, FL | 7 | $ 1,322,000 | $ 188,857 | $ 238,000 |
| West Palm Beach-Boca Raton-Boynton Beach, FL | 7 | $ 2,873,000 | $ 410,428 | $ 230,000 |
| Sarasota-Bradenton-Venice, FL | 6 | $ 821,000 | $ 136,833 | $ 176,000 |
| Tampa-St. Petersburg-Clearwater, FL | 5 | $ 791,000 | $ 158,200 | $ 133,000 |
| Jacksonville, FL | 4 | $ 633,000 | $ 158,250 | $ 112,000 |
| Lexington-Fayette, KY | 4 | $ 409,000 | $ 102,250 | $ 82,000 |
| Lima, OH | 4 | $ 415,000 | $ 103,750 | $ 91,000 |
| Bloomington, IN | 3 | $ 298,000 | $ 99,333 | $ 101,000 |
| Detroit-Livonia-Dearborn, MI | 3 | $ 503,000 | $ 167,666 | $ 65,000 |
| Fort Lauderdale-Pompano Beach-Deerfield Beach, FL | 3 | $ 440,000 | $ 146,666 | $ 91,000 |
| Orlando, FL | 3 | $ 577,000 | $ 192,333 | $ 104,000 |
| Port St. Lucie-Fort Pierce, FL | 3 | $ 340,000 | $ 113,333 | $ 105,000 |
| Warren-Farmington Hills-Troy, MI | 3 | $ 497,000 | $ 165,666 | $ 81,000 |
| Weirton-Steubenville, WV-OH | 3 | $ 185,000 | $ 61,666 | $ 41,000 |
| Gary, IN | 2 | $ 125,000 | $ 62,500 | $ 56,000 |
| Lafayette, IN | 2 | $ 147,000 | $ 73,500 | $ 77,000 |
| Lakeland, FL | 2 | $ 200,000 | $ 100,000 | $ 70,000 |
| Palm Bay-Melbourne-Titusville, FL | 2 | $ 153,000 | $ 76,500 | $ 37,000 |
| Punta Gorda, FL | 2 | $ 366,000 | $ 183,000 | $ 103,000 |
| Deltona-Daytona Beach-Ormond Beach, FL | 1 | $ 145,000 | $ 145,000 | $ 59,000 |
| Jackson, MI | 1 | $ 246,000 | $ 246,000 | $ 62,000 |
| Kokomo, IN | 1 | $ 166,000 | $ 166,000 | $ 65,000 |
| Monroe, MI | 1 | $ 140,000 | $ 140,000 | $ 51,000 |
| Morgantown, WV | 1 | $ 915,000 | $ 915,000 | $ 0 |
| Niles-Benton Harbor, MI | 1 | $ 163,000 | $ 163,000 | $ 60,000 |
| Ocala, FL | 1 | $ 150,000 | $ 150,000 | $ 69,000 |
| Springfield, OH | 1 | $ 184,000 | $ 184,000 | $ 78,000 |
| Vero Beach, FL | 1 | $ 125,000 | $ 125,000 | $ 106,000 |
Mortgage Loan Application Detail Totals for The Home Savings and Loan Comp in 2005
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 | 4,400 | $528,554,000 | $184,250 | $2,475,000 | $83,375 | $4,755,000 |
| Refinancing | 1,575 | $189,249,000 | $198,571 | $1,500,000 | $74,142 | $624,000 |
| Home Improvement | 143 | $6,410,000 | $47,000 | $990,000 | $53,000 | $349,000 |
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 | 5,533 | $640,346,000 | $127,250 | $1,350,000 | $80,000 | $4,755,000 |
| Not Provided | 177 | $28,915,000 | $115,200 | $1,040,000 | $85,200 | $405,000 |
| Hispanic | 168 | $12,365,000 | $101,400 | $350,000 | $50,600 | $230,000 |
| Black or African American | 163 | $16,788,000 | $90,250 | $975,000 | $59,250 | $464,000 |
| Asian | 34 | $6,026,000 | $186,333 | $540,000 | $94,000 | $250,000 |
| Not applicable | 26 | $17,564,000 | $860,333 | $2,475,000 | $4,666 | $144,000 |
| American Indian or Alaskan Native | 10 | $1,091,000 | $96,333 | $211,000 | $72,333 | $142,000 |
| Native Hawaiian or Other Pacific Islander | 7 | $1,118,000 | $118,000 | $359,000 | $82,000 | $216,000 |
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) | 6,116 | $724,179,000 | $185,625 | $2,475,000 | $77,875 | $4,755,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 2 | $34,000 | $17,000 | $18,000 | $31,000 | $32,000 |
| VA-guaranteed (Veterans Administration) | 0 | $0 | $0 | $0 | $0 | $0 |
| FHA-insured (Federal Housing Administration) | 0 | $0 | $0 | $0 | $0 | $0 |
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 | 4,244 | $515,220,000 | $199,857 | $2,475,000 | $85,285 | $4,755,000 |
| Application Denied By Financial Institution | 499 | $53,544,000 | $128,333 | $600,000 | $77,666 | $697,000 |
| Preapproval Approved but not Accepted | 469 | $53,701,000 | $114,000 | $975,000 | $73,000 | $464,000 |
| Preapproval Denied by Financial Institution | 417 | $36,478,000 | $87,000 | $960,000 | $35,000 | $272,000 |
| Application Approved But Not Accepted | 343 | $45,177,000 | $143,800 | $650,000 | $109,200 | $624,000 |
| Application Withdrawn By Applicant | 146 | $20,093,000 | $97,000 | $1,350,000 | $81,750 | $300,000 |
| File Closed For Incompleteness | 0 | $0 | $0 | $0 | $0 | $0 |
| Loan Purchased By The 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 | 336 | $29,398,000 | $134,166 | $600,000 | $74,833 | $357,000 |
| Debt-To-Income Ratio | 324 | $33,763,000 | $140,714 | $960,000 | $50,428 | $272,000 |
| Collateral | 92 | $9,500,000 | $96,000 | $400,000 | $79,000 | $697,000 |
| Other | 76 | $8,589,000 | $104,400 | $586,000 | $105,400 | $348,000 |
| Credit Application Incomplete | 26 | $3,352,000 | $174,500 | $344,000 | $64,000 | $200,000 |
| Unverifiable Information | 24 | $2,247,000 | $91,000 | $280,000 | $54,000 | $169,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 24 | $1,768,000 | $78,750 | $225,000 | $53,500 | $107,000 |
| Employment History | 12 | $1,157,000 | $96,000 | $335,000 | $34,000 | $71,000 |
| Mortgage Insurance Denied | 2 | $248,000 | $124,000 | $163,000 | $64,500 | $96,000 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into The Home Savings and Loan Comp's 2005 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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