Mt Washington S & L Co Mortgage Lending & HMDA Data, 2007
In 2007, Mt Washington S & L Co of Cincinnati, OH reported 77 mortgage applications totaling $7.9 million, down 21% from 2006. The average application was for $102,402, and applicants reported an average income of $95,129. 92% of its applications resulted in an originated loan and 4% were denied. Its largest market was Cincinnati-Middletown, OH-KY-IN (77).
| 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 | 77 |
| Total Mortgage Loan Application Amount | $7,885,000 |
| Average Mortgage Loan Application Amount | $102,402 |
| Highest Mortgage Loan Application Amount | $360,000 |
| Average Applicant Income | $95,129 |
| Highest Applicant Income | $224,000 |
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(HMDA) records Mt Washington S & L Co filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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.
Mortgage Loan Application Detail Totals for Mt Washington S & L Co in 2007
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 | 36 | $4,416,000 | $122,000 | $360,000 | $83,000 | $214,000 |
| Refinancing | 28 | $2,336,000 | $83,000 | $204,000 | $108,000 | $224,000 |
| Home Improvement | 13 | $1,133,000 | $87,000 | $199,000 | $101,000 | $197,000 |
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 | 74 | $7,405,000 | $100,000 | $360,000 | $96,000 | $224,000 |
| American Indian or Alaskan Native | 1 | $202,000 | $202,000 | $202,000 | $34,000 | $34,000 |
| Asian | 1 | $198,000 | $198,000 | $198,000 | $110,000 | $110,000 |
| Black or African American | 1 | $80,000 | $80,000 | $80,000 | $44,000 | $44,000 |
| 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 |
| Not Provided | 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) | 77 | $7,885,000 | $102,000 | $360,000 | $95,000 | $224,000 |
| 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 | 71 | $7,473,000 | $105,000 | $360,000 | $92,000 | $224,000 |
| Application Approved But Not Accepted | 3 | $135,000 | $45,000 | $84,000 | $224,000 | $224,000 |
| Application Denied By Financial Institution | 3 | $277,000 | $92,000 | $134,000 | $40,000 | $73,000 |
| Application Withdrawn By Applicant | 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 |
| 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 |
|---|---|---|---|---|---|---|
| Other | 2 | $224,000 | $112,000 | $134,000 | $50,000 | $73,000 |
| Mortgage Insurance Denied | 1 | $53,000 | $53,000 | $53,000 | $21,000 | $21,000 |
| Unverifiable Information | 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 |
| Insufficient Cash (Downpayment, Closing Cost) | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Mt Washington S & L Co's 2007 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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