Mt Washington S & L Co Mortgage Lending & HMDA Data, 2010
In 2010, Mt Washington S & L Co of Cincinnati, OH reported 50 mortgage applications totaling $9.4 million, down 47% from 2009. The average application was for $188,700, and applicants reported an average income of $90,200. 92% of its applications resulted in an originated loan and 4% were denied. Its largest market was Cincinnati-Middletown, OH-KY-IN (49).
| Mortgage Company & Address | Mt Washington S & L Co 2110 Beechmont Avenue Cincinnati, OH 45230 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 | 50 |
| Total Mortgage Loan Application Amount | $9,435,000 |
| Average Mortgage Loan Application Amount | $188,700 |
| Highest Mortgage Loan Application Amount | $960,000 |
| Average Applicant Income | $90,200 |
| Highest Applicant Income | $432,000 |
About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records Mt Washington S & L Co filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 |
|---|---|---|---|---|
| Hamilton, Ohio | 29 | $ 6,455,000 | $ 222,586 | $ 106,000 |
| Clermont, Ohio | 18 | $ 2,399,000 | $ 133,277 | $ 64,000 |
| Butler, Ohio | 1 | $ 210,000 | $ 210,000 | $ 89,000 |
| Warren, Ohio | 1 | $ 256,000 | $ 256,000 | $ 159,000 |
Mortgage Loan Application Detail Totals for Mt Washington S & L Co in 2010
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 | 24 | $3,868,000 | $161,000 | $504,000 | $73,000 | $240,000 |
| Refinancing | 15 | $4,323,000 | $288,000 | $960,000 | $145,000 | $432,000 |
| Home Improvement | 11 | $1,244,000 | $113,000 | $399,000 | $53,000 | $144,000 |
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 | 43 | $7,714,000 | $179,000 | $690,000 | $94,000 | $432,000 |
| Not Provided | 4 | $427,000 | $106,000 | $205,000 | $6,000 | $24,000 |
| Black or African American | 2 | $334,000 | $167,000 | $210,000 | $65,000 | $89,000 |
| Asian | 1 | $960,000 | $960,000 | $960,000 | $310,000 | $310,000 |
| American Indian or Alaskan Native | 0 | $0 | $0 | $0 | $0 | $0 |
| Hispanic | 0 | $0 | $0 | $0 | $0 | $0 |
| Native Hawaiian or Other Pacific Islander | 0 | $0 | $0 | $0 | $0 | $0 |
| Not applicable | 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) | 50 | $9,435,000 | $188,000 | $960,000 | $90,000 | $432,000 |
| 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 | 46 | $7,954,000 | $172,000 | $690,000 | $89,000 | $432,000 |
| Application Denied By Financial Institution | 2 | $1,055,000 | $527,000 | $960,000 | $157,000 | $310,000 |
| Application Withdrawn By Applicant | 1 | $311,000 | $311,000 | $311,000 | $94,000 | $94,000 |
| Preapproval Denied by Financial Institution | 1 | $115,000 | $115,000 | $115,000 | $24,000 | $24,000 |
| Application Approved But Not Accepted | 0 | $0 | $0 | $0 | $0 | $0 |
| File Closed For Incompleteness | 0 | $0 | $0 | $0 | $0 | $0 |
| Loan Purchased By The Institution | 0 | $0 | $0 | $0 | $0 | $0 |
| Preapproval Approved but not Accepted | 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 |
|---|---|---|---|---|---|---|
| Insufficient Cash (Downpayment, Closing Cost) | 2 | $1,075,000 | $537,000 | $960,000 | $167,000 | $310,000 |
| Other | 1 | $95,000 | $95,000 | $95,000 | $5,000 | $5,000 |
| Unverifiable Information | 0 | $0 | $0 | $0 | $0 | $0 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
| Collateral | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit History | 0 | $0 | $0 | $0 | $0 | $0 |
| Debt-To-Income Ratio | 0 | $0 | $0 | $0 | $0 | $0 |
| Employment History | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Mt Washington S & L Co's 2010 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 Mt Washington S & L Co'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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