Huntington Federal Savings Ban Mortgage Lending & HMDA Data, 2005
In 2005, Huntington Federal Savings Ban of Huntington, WV reported 330 mortgage applications totaling $39.3 million, about the same as 2004. The average application was for $119,048, and applicants reported an average income of $58,442. 87% of its applications resulted in an originated loan and 2% were denied. Its largest markets were Huntington-Ashland, WV-KY-OH (264), Charlotte-Gastonia-Concord, NC-SC (18) and Charleston, WV (11) (applications in parentheses).
| Mortgage Company & Address | Huntington Federal Savings Ban P O Box 239 Huntington, WV 25707 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2010 2009 2008 2007 2006 2005 2004 2003 |
| Total Number of Mortgage Applications | 330 |
| Total Mortgage Loan Application Amount | $39,286,000 |
| Average Mortgage Loan Application Amount | $119,048 |
| Highest Mortgage Loan Application Amount | $2,400,000 |
| Average Applicant Income | $58,442 |
| Highest Applicant Income | $263,000 |
About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records Huntington Federal Savings Ban filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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.
| County | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loans Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Cabell, West Virginia | 202 | $ 23,160,000 | $ 114,653 | $ 54,000 |
| Wayne, West Virginia | 62 | $ 6,297,000 | $ 101,564 | $ 97,000 |
| Lawrence, Ohio | 28 | $ 3,197,000 | $ 114,178 | $ 61,000 |
| Mecklenburg, North Carolina | 12 | $ 1,135,000 | $ 94,583 | $ 0 |
| Putnam, West Virginia | 10 | $ 1,000,000 | $ 100,000 | $ 59,000 |
| Gaston, North Carolina | 3 | $ 1,624,000 | $ 541,333 | $ 0 |
| Union, North Carolina | 2 | $ 589,000 | $ 294,500 | $ 0 |
| Horry, South Carolina | 2 | $ 452,000 | $ 226,000 | $ 0 |
| Mason, West Virginia | 2 | $ 360,000 | $ 180,000 | $ 69,000 |
| Cabarrus, North Carolina | 1 | $ 89,000 | $ 89,000 | $ 0 |
| Cleveland, North Carolina | 1 | $ 159,000 | $ 159,000 | $ 0 |
| Haywood, North Carolina | 1 | $ 332,000 | $ 332,000 | $ 0 |
| Iredell, North Carolina | 1 | $ 440,000 | $ 440,000 | $ 0 |
| Charleston, South Carolina | 1 | $ 338,000 | $ 338,000 | $ 0 |
| York, South Carolina | 1 | $ 71,000 | $ 71,000 | $ 0 |
| Kanawha, West Virginia | 1 | $ 43,000 | $ 43,000 | $ 67,000 |
Mortgage Loan Application Detail Totals for Huntington Federal Savings Ban 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 |
|---|---|---|---|---|---|---|
| Refinancing | 139 | $16,081,000 | $161,000 | $900,000 | $28,500 | $243,000 |
| Home Purchase | 114 | $13,422,000 | $110,333 | $500,000 | $43,000 | $263,000 |
| Home Improvement | 77 | $9,783,000 | $107,500 | $2,400,000 | $73,500 | $233,000 |
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 | 257 | $28,666,000 | $110,000 | $2,400,000 | $57,000 | $263,000 |
| Not applicable | 34 | $6,610,000 | $192,000 | $900,000 | $31,666 | $209,000 |
| Not Provided | 33 | $3,048,000 | $95,500 | $312,000 | $72,000 | $233,000 |
| Hispanic | 3 | $512,000 | $170,000 | $320,000 | $35,000 | $61,000 |
| Black or African American | 2 | $170,000 | $85,000 | $98,000 | $37,000 | $37,000 |
| Asian | 1 | $280,000 | $280,000 | $280,000 | $75,000 | $75,000 |
| American Indian or Alaskan Native | 0 | $0 | $0 | $0 | $0 | $0 |
| Native Hawaiian or Other Pacific Islander | 0 | $0 | $0 | $0 | $0 | $0 |
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) | 330 | $39,286,000 | $162,000 | $2,400,000 | $31,250 | $263,000 |
| FHA-insured (Federal Housing Administration) | 0 | $0 | $0 | $0 | $0 | $0 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 0 | $0 | $0 | $0 | $0 | $0 |
| VA-guaranteed (Veterans 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 | 287 | $32,458,000 | $115,500 | $2,400,000 | $65,500 | $243,000 |
| Loan Purchased By The Institution | 25 | $5,229,000 | $211,500 | $900,000 | $0 | $0 |
| Application Denied By Financial Institution | 7 | $579,000 | $71,000 | $135,000 | $32,500 | $109,000 |
| Application Withdrawn By Applicant | 7 | $787,000 | $112,000 | $411,000 | $80,000 | $263,000 |
| File Closed For Incompleteness | 2 | $100,000 | $50,000 | $68,000 | $54,000 | $68,000 |
| Application Approved But Not Accepted | 2 | $133,000 | $66,500 | $100,000 | $84,000 | $114,000 |
| 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 |
|---|---|---|---|---|---|---|
| Debt-To-Income Ratio | 3 | $314,000 | $104,000 | $135,000 | $15,000 | $28,000 |
| Collateral | 2 | $125,000 | $62,500 | $70,000 | $64,500 | $109,000 |
| Credit History | 2 | $140,000 | $70,000 | $75,000 | $28,000 | $39,000 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
| Employment History | 0 | $0 | $0 | $0 | $0 | $0 |
| Insufficient Cash (Downpayment, Closing Cost) | 0 | $0 | $0 | $0 | $0 | $0 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
| Other | 0 | $0 | $0 | $0 | $0 | $0 |
| Unverifiable Information | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Huntington Federal Savings Ban'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 Huntington Federal Savings Ban'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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with aggregated HMDA statistics today.
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