Parkvale Savings Bank Mortgage Lending & HMDA Data, 2003
In 2003, Parkvale Savings Bank of Monroeville, PA reported 3,292 mortgage applications totaling $630.9 million. The average application was for $191,647, and applicants reported an average income of $39,724. 51% of its applications resulted in an originated loan and 10% were denied. Its largest markets were Pittsburgh, PA (2,085), Chicago, IL (106) and Detroit, MI (106) (applications in parentheses).
| Mortgage Company & Address | Parkvale Savings Bank 4220 William Penn Highway Monroeville, PA 15146 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2011 2010 2009 2008 2007 2006 2005 2004 2003 |
| Total Number of Mortgage Applications | 3,292 |
| Total Mortgage Loan Application Amount | $630,903,000 |
| Average Mortgage Loan Application Amount | $191,647 |
| Highest Mortgage Loan Application Amount | $1,925,000 |
| Average Applicant Income | $39,724 |
| Highest Applicant Income | $1,170,000 |
About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records Parkvale Savings Bank filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 |
|---|---|---|---|---|
| Allegheny, Pennsylvania | 1,208 | $ 69,778,000 | $ 57,763 | $ 56,000 |
| Fayette, Pennsylvania | 456 | $ 18,358,000 | $ 40,258 | $ 46,000 |
| Westmoreland, Pennsylvania | 150 | $ 10,469,000 | $ 69,793 | $ 61,000 |
| Beaver, Pennsylvania | 132 | $ 6,752,000 | $ 51,151 | $ 54,000 |
| King, Washington | 92 | $ 41,661,000 | $ 452,836 | $ 0 |
| Oakland, Michigan | 79 | $ 34,850,000 | $ 441,139 | $ 0 |
| Butler, Pennsylvania | 72 | $ 5,767,000 | $ 80,097 | $ 75,000 |
| Washington, Pennsylvania | 67 | $ 7,162,000 | $ 106,895 | $ 63,000 |
| Cook, Illinois | 64 | $ 29,675,000 | $ 463,671 | $ 0 |
| Fairfax, Virginia | 54 | $ 24,790,000 | $ 459,074 | $ 93,000 |
| Middlesex, Massachusetts | 45 | $ 20,779,000 | $ 461,755 | $ 0 |
| Maricopa, Arizona | 44 | $ 19,883,000 | $ 451,886 | $ 0 |
| Franklin, Ohio | 40 | $ 8,881,000 | $ 222,025 | $ 85,000 |
| Montgomery, Maryland | 30 | $ 12,718,000 | $ 423,933 | $ 91,000 |
| Fairfield, Connecticut | 26 | $ 12,264,000 | $ 471,692 | $ 0 |
| District of Columbia, District Of Columbia | 23 | $ 11,281,000 | $ 490,478 | $ 69,000 |
| Loudoun, Virginia | 21 | $ 8,126,000 | $ 386,952 | $ 43,000 |
| Norfolk, Massachusetts | 19 | $ 9,126,000 | $ 480,315 | $ 0 |
| Essex, Massachusetts | 18 | $ 8,307,000 | $ 461,500 | $ 0 |
| Greene, Pennsylvania | 18 | $ 742,000 | $ 41,222 | $ 45,000 |
| Lake, Illinois | 17 | $ 8,016,000 | $ 471,529 | $ 0 |
| Wayne, Michigan | 16 | $ 6,592,000 | $ 412,000 | $ 0 |
| St. Louis, Missouri | 16 | $ 7,585,000 | $ 474,062 | $ 0 |
| Jefferson, Colorado | 14 | $ 6,486,000 | $ 463,285 | $ 0 |
| DuPage, Illinois | 14 | $ 6,310,000 | $ 450,714 | $ 0 |
| Delaware, Ohio | 13 | $ 2,311,000 | $ 177,769 | $ 82,000 |
| Douglas, Colorado | 12 | $ 5,531,000 | $ 460,916 | $ 0 |
| Fulton, Georgia | 12 | $ 5,582,000 | $ 465,166 | $ 0 |
| Mecklenburg, North Carolina | 12 | $ 5,232,000 | $ 436,000 | $ 0 |
| Hennepin, Minnesota | 11 | $ 4,956,000 | $ 450,545 | $ 0 |
| Boulder, Colorado | 10 | $ 4,462,000 | $ 446,200 | $ 0 |
| Denver, Colorado | 10 | $ 4,682,000 | $ 468,200 | $ 0 |
| Anne Arundel, Maryland | 9 | $ 4,640,000 | $ 515,555 | $ 0 |
| Washtenaw, Michigan | 9 | $ 4,212,000 | $ 468,000 | $ 0 |
| Clark, Nevada | 9 | $ 4,322,000 | $ 480,222 | $ 0 |
| Westchester, New York | 9 | $ 4,630,000 | $ 514,444 | $ 0 |
| Wake, North Carolina | 9 | $ 4,189,000 | $ 465,444 | $ 0 |
| Alexandria, Virginia | 9 | $ 3,267,000 | $ 363,000 | $ 43,000 |
| Macomb, Michigan | 8 | $ 3,170,000 | $ 396,250 | $ 0 |
| Bergen, New Jersey | 8 | $ 3,483,000 | $ 435,375 | $ 0 |
| Dallas, Texas | 8 | $ 3,248,000 | $ 406,000 | $ 0 |
| Travis, Texas | 8 | $ 3,533,000 | $ 441,625 | $ 0 |
| Arapahoe, Colorado | 7 | $ 2,331,000 | $ 333,000 | $ 0 |
| Barnstable, Massachusetts | 7 | $ 3,313,000 | $ 473,285 | $ 0 |
| Suffolk, Massachusetts | 7 | $ 3,205,000 | $ 457,857 | $ 0 |
| Suffolk, New York | 7 | $ 3,503,000 | $ 500,428 | $ 0 |
| Armstrong, Pennsylvania | 7 | $ 291,000 | $ 41,571 | $ 43,000 |
| Collin, Texas | 7 | $ 2,607,000 | $ 372,428 | $ 0 |
| Arlington, Virginia | 7 | $ 2,726,000 | $ 389,428 | $ 57,000 |
| Baltimore, Maryland | 6 | $ 2,605,000 | $ 434,166 | $ 0 |
| Plymouth, Massachusetts | 6 | $ 2,480,000 | $ 413,333 | $ 0 |
| Multnomah, Oregon | 6 | $ 2,252,000 | $ 375,333 | $ 0 |
| Tarrant, Texas | 6 | $ 2,550,000 | $ 425,000 | $ 0 |
| Miami-Dade, Florida | 5 | $ 2,053,000 | $ 410,600 | $ 0 |
| Palm Beach, Florida | 5 | $ 1,985,000 | $ 397,000 | $ 0 |
| Will, Illinois | 5 | $ 1,900,000 | $ 380,000 | $ 0 |
| Howard, Maryland | 5 | $ 2,399,000 | $ 479,800 | $ 66,000 |
| Morris, New Jersey | 5 | $ 2,275,000 | $ 455,000 | $ 0 |
| Montgomery, Texas | 5 | $ 2,093,000 | $ 418,600 | $ 0 |
| Cobb, Georgia | 4 | $ 1,584,000 | $ 396,000 | $ 0 |
| DeKalb, Georgia | 4 | $ 1,700,000 | $ 425,000 | $ 0 |
| Kane, Illinois | 4 | $ 1,584,000 | $ 396,000 | $ 0 |
| Worcester, Massachusetts | 4 | $ 1,577,000 | $ 394,250 | $ 0 |
| Essex, New Jersey | 4 | $ 1,986,000 | $ 496,500 | $ 0 |
| Monmouth, New Jersey | 4 | $ 2,256,000 | $ 564,000 | $ 0 |
| Somerset, New Jersey | 4 | $ 2,120,000 | $ 530,000 | $ 0 |
| Erie, New York | 4 | $ 2,173,000 | $ 543,250 | $ 0 |
| Nassau, New York | 4 | $ 2,112,000 | $ 528,000 | $ 0 |
| Rockland, New York | 4 | $ 1,881,000 | $ 470,250 | $ 0 |
| Orange, North Carolina | 4 | $ 1,879,000 | $ 469,750 | $ 0 |
| Montgomery, Pennsylvania | 4 | $ 2,214,000 | $ 553,500 | $ 0 |
| Prince William, Virginia | 4 | $ 1,299,000 | $ 324,750 | $ 0 |
| Snohomish, Washington | 4 | $ 1,797,000 | $ 449,250 | $ 0 |
| Milwaukee, Wisconsin | 4 | $ 1,947,000 | $ 486,750 | $ 0 |
| Jefferson, Alabama | 3 | $ 1,498,000 | $ 499,333 | $ 0 |
| Hartford, Connecticut | 3 | $ 1,357,000 | $ 452,333 | $ 0 |
| Sussex, Delaware | 3 | $ 1,549,000 | $ 516,333 | $ 0 |
| Broward, Florida | 3 | $ 1,342,000 | $ 447,333 | $ 0 |
| Hamilton, Indiana | 3 | $ 1,112,000 | $ 370,666 | $ 0 |
| Porter, Indiana | 3 | $ 943,000 | $ 314,333 | $ 0 |
| Johnson, Kansas | 3 | $ 1,114,000 | $ 371,333 | $ 0 |
| Livingston, Michigan | 3 | $ 1,519,000 | $ 506,333 | $ 0 |
| Hillsborough, New Hampshire | 3 | $ 1,488,000 | $ 496,000 | $ 0 |
| Middlesex, New Jersey | 3 | $ 1,178,000 | $ 392,666 | $ 0 |
| Union, New Jersey | 3 | $ 1,094,000 | $ 364,666 | $ 0 |
| Ontario, New York | 3 | $ 1,640,000 | $ 546,666 | $ 0 |
| Iredell, North Carolina | 3 | $ 928,000 | $ 309,333 | $ 0 |
| Cuyahoga, Ohio | 3 | $ 1,339,000 | $ 446,333 | $ 0 |
| Washington, Oregon | 3 | $ 1,383,000 | $ 461,000 | $ 0 |
| Lawrence, Pennsylvania | 3 | $ 85,000 | $ 28,333 | $ 43,000 |
| Denton, Texas | 3 | $ 996,000 | $ 332,000 | $ 0 |
| Harris, Texas | 3 | $ 1,464,000 | $ 488,000 | $ 0 |
| Virginia Beach, Virginia | 3 | $ 1,185,000 | $ 395,000 | $ 0 |
| Pierce, Washington | 3 | $ 1,598,000 | $ 532,666 | $ 0 |
| Waukesha, Wisconsin | 3 | $ 1,091,000 | $ 363,666 | $ 0 |
| Eagle, Colorado | 2 | $ 1,152,000 | $ 576,000 | $ 0 |
| Garfield, Colorado | 2 | $ 1,059,000 | $ 529,500 | $ 0 |
| Larimer, Colorado | 2 | $ 1,010,000 | $ 505,000 | $ 0 |
| Summit, Colorado | 2 | $ 888,000 | $ 444,000 | $ 0 |
| Lee, Florida | 2 | $ 832,000 | $ 416,000 | $ 0 |
| Okaloosa, Florida | 2 | $ 598,000 | $ 299,000 | $ 0 |
| Dawson, Georgia | 2 | $ 1,031,000 | $ 515,500 | $ 0 |
| Forsyth, Georgia | 2 | $ 975,000 | $ 487,500 | $ 0 |
| Gwinnett, Georgia | 2 | $ 999,000 | $ 499,500 | $ 0 |
| McHenry, Illinois | 2 | $ 813,000 | $ 406,500 | $ 0 |
| Marion, Indiana | 2 | $ 849,000 | $ 424,500 | $ 0 |
| Carroll, Maryland | 2 | $ 485,000 | $ 242,500 | $ 76,000 |
| Harford, Maryland | 2 | $ 651,000 | $ 325,500 | $ 0 |
| Nantucket, Massachusetts | 2 | $ 1,190,000 | $ 595,000 | $ 0 |
| Ingham, Michigan | 2 | $ 806,000 | $ 403,000 | $ 0 |
| Lapeer, Michigan | 2 | $ 822,000 | $ 411,000 | $ 0 |
| Washington, Minnesota | 2 | $ 929,000 | $ 464,500 | $ 0 |
| St. Charles, Missouri | 2 | $ 906,000 | $ 453,000 | $ 0 |
| Rockingham, New Hampshire | 2 | $ 789,000 | $ 394,500 | $ 0 |
| Monroe, New York | 2 | $ 992,000 | $ 496,000 | $ 0 |
| Richmond, New York | 2 | $ 744,000 | $ 372,000 | $ 0 |
| Brunswick, North Carolina | 2 | $ 677,000 | $ 338,500 | $ 0 |
| Cumberland, North Carolina | 2 | $ 423,000 | $ 211,500 | $ 0 |
| Guilford, North Carolina | 2 | $ 594,000 | $ 297,000 | $ 0 |
| Union, North Carolina | 2 | $ 764,000 | $ 382,000 | $ 0 |
| Summit, Ohio | 2 | $ 688,000 | $ 344,000 | $ 0 |
| Clackamas, Oregon | 2 | $ 971,000 | $ 485,500 | $ 0 |
| Chester, Pennsylvania | 2 | $ 863,000 | $ 431,500 | $ 0 |
| Delaware, Pennsylvania | 2 | $ 858,000 | $ 429,000 | $ 0 |
| Somerset, Pennsylvania | 2 | $ 301,000 | $ 150,500 | $ 161,000 |
| Salt Lake, Utah | 2 | $ 752,000 | $ 376,000 | $ 0 |
| Kitsap, Washington | 2 | $ 714,000 | $ 357,000 | $ 0 |
| Baldwin, Alabama | 1 | $ 427,000 | $ 427,000 | $ 0 |
| Coconino, Arizona | 1 | $ 499,000 | $ 499,000 | $ 0 |
| Navajo, Arizona | 1 | $ 309,000 | $ 309,000 | $ 0 |
| Pima, Arizona | 1 | $ 499,000 | $ 499,000 | $ 0 |
| Pinal, Arizona | 1 | $ 523,000 | $ 523,000 | $ 0 |
| Pulaski, Arkansas | 1 | $ 637,000 | $ 637,000 | $ 0 |
| El Paso, Colorado | 1 | $ 343,000 | $ 343,000 | $ 0 |
| Weld, Colorado | 1 | $ 335,000 | $ 335,000 | $ 0 |
| Litchfield, Connecticut | 1 | $ 459,000 | $ 459,000 | $ 0 |
| New Haven, Connecticut | 1 | $ 440,000 | $ 440,000 | $ 0 |
| New Castle, Delaware | 1 | $ 544,000 | $ 544,000 | $ 0 |
| Clay, Florida | 1 | $ 358,000 | $ 358,000 | $ 0 |
| Collier, Florida | 1 | $ 409,000 | $ 409,000 | $ 0 |
| Duval, Florida | 1 | $ 161,000 | $ 161,000 | $ 0 |
| Hillsborough, Florida | 1 | $ 435,000 | $ 435,000 | $ 0 |
| Nassau, Florida | 1 | $ 398,000 | $ 398,000 | $ 0 |
| Orange, Florida | 1 | $ 113,000 | $ 113,000 | $ 0 |
| Chatham, Georgia | 1 | $ 361,000 | $ 361,000 | $ 0 |
| Fannin, Georgia | 1 | $ 393,000 | $ 393,000 | $ 0 |
| Putnam, Georgia | 1 | $ 387,000 | $ 387,000 | $ 0 |
| Maui, Hawaii | 1 | $ 106,000 | $ 106,000 | $ 0 |
| Ada, Idaho | 1 | $ 368,000 | $ 368,000 | $ 0 |
| Blaine, Idaho | 1 | $ 729,000 | $ 729,000 | $ 0 |
| Kootenai, Idaho | 1 | $ 393,000 | $ 393,000 | $ 0 |
| Marshall, Indiana | 1 | $ 398,000 | $ 398,000 | $ 0 |
| Dallas, Iowa | 1 | $ 277,000 | $ 277,000 | $ 0 |
| Fayette, Kentucky | 1 | $ 135,000 | $ 135,000 | $ 0 |
| Jefferson, Kentucky | 1 | $ 486,000 | $ 486,000 | $ 0 |
| York, Maine | 1 | $ 561,000 | $ 561,000 | $ 0 |
| Baltimore City, Maryland | 1 | $ 487,000 | $ 487,000 | $ 0 |
| Queen Anne's, Maryland | 1 | $ 480,000 | $ 480,000 | $ 0 |
| St. Mary's, Maryland | 1 | $ 588,000 | $ 588,000 | $ 0 |
| Berkshire, Massachusetts | 1 | $ 511,000 | $ 511,000 | $ 0 |
| Bristol, Massachusetts | 1 | $ 431,000 | $ 431,000 | $ 0 |
| Charlevoix, Michigan | 1 | $ 435,000 | $ 435,000 | $ 0 |
| Emmet, Michigan | 1 | $ 650,000 | $ 650,000 | $ 0 |
| Genesee, Michigan | 1 | $ 605,000 | $ 605,000 | $ 0 |
| Jackson, Michigan | 1 | $ 539,000 | $ 539,000 | $ 0 |
| St. Clair, Michigan | 1 | $ 607,000 | $ 607,000 | $ 0 |
| Dakota, Minnesota | 1 | $ 206,000 | $ 206,000 | $ 0 |
| Goodhue, Minnesota | 1 | $ 489,000 | $ 489,000 | $ 0 |
| Jackson, Missouri | 1 | $ 611,000 | $ 611,000 | $ 0 |
| St. Louis City, Missouri | 1 | $ 375,000 | $ 375,000 | $ 0 |
| Douglas, Nebraska | 1 | $ 337,000 | $ 337,000 | $ 0 |
| Douglas, Nevada | 1 | $ 430,000 | $ 430,000 | $ 0 |
| Washoe, Nevada | 1 | $ 362,000 | $ 362,000 | $ 0 |
| Burlington, New Jersey | 1 | $ 410,000 | $ 410,000 | $ 0 |
| Hunterdon, New Jersey | 1 | $ 341,000 | $ 341,000 | $ 0 |
| Mercer, New Jersey | 1 | $ 426,000 | $ 426,000 | $ 0 |
| Ocean, New Jersey | 1 | $ 510,000 | $ 510,000 | $ 0 |
| Santa Fe, New Mexico | 1 | $ 376,000 | $ 376,000 | $ 0 |
| Albany, New York | 1 | $ 409,000 | $ 409,000 | $ 0 |
| Essex, New York | 1 | $ 446,000 | $ 446,000 | $ 0 |
| Kings, New York | 1 | $ 590,000 | $ 590,000 | $ 0 |
| New York, New York | 1 | $ 614,000 | $ 614,000 | $ 0 |
| Putnam, New York | 1 | $ 458,000 | $ 458,000 | $ 0 |
| Queens, New York | 1 | $ 517,000 | $ 517,000 | $ 0 |
| Dare, North Carolina | 1 | $ 471,000 | $ 471,000 | $ 0 |
| New Hanover, North Carolina | 1 | $ 501,000 | $ 501,000 | $ 0 |
| Rowan, North Carolina | 1 | $ 337,000 | $ 337,000 | $ 0 |
| Butler, Ohio | 1 | $ 578,000 | $ 578,000 | $ 0 |
| Licking, Ohio | 1 | $ 53,000 | $ 53,000 | $ 122,000 |
| Pickaway, Ohio | 1 | $ 131,000 | $ 131,000 | $ 116,000 |
| Wagoner, Oklahoma | 1 | $ 357,000 | $ 357,000 | $ 0 |
| Deschutes, Oregon | 1 | $ 634,000 | $ 634,000 | $ 0 |
| Jackson, Oregon | 1 | $ 429,000 | $ 429,000 | $ 0 |
| Josephine, Oregon | 1 | $ 412,000 | $ 412,000 | $ 0 |
| Bucks, Pennsylvania | 1 | $ 171,000 | $ 171,000 | $ 0 |
| Clarion, Pennsylvania | 1 | $ 29,000 | $ 29,000 | $ 64,000 |
| Bristol, Rhode Island | 1 | $ 368,000 | $ 368,000 | $ 0 |
| Kent, Rhode Island | 1 | $ 411,000 | $ 411,000 | $ 0 |
| Providence, Rhode Island | 1 | $ 400,000 | $ 400,000 | $ 0 |
| Washington, Rhode Island | 1 | $ 498,000 | $ 498,000 | $ 0 |
| Beaufort, South Carolina | 1 | $ 721,000 | $ 721,000 | $ 0 |
| Charleston, South Carolina | 1 | $ 420,000 | $ 420,000 | $ 0 |
| York, South Carolina | 1 | $ 400,000 | $ 400,000 | $ 0 |
| Davidson, Tennessee | 1 | $ 102,000 | $ 102,000 | $ 0 |
| Shelby, Tennessee | 1 | $ 474,000 | $ 474,000 | $ 0 |
| Bexar, Texas | 1 | $ 139,000 | $ 139,000 | $ 0 |
| Comal, Texas | 1 | $ 348,000 | $ 348,000 | $ 0 |
| Fort Bend, Texas | 1 | $ 401,000 | $ 401,000 | $ 0 |
| Hays, Texas | 1 | $ 401,000 | $ 401,000 | $ 0 |
| Williamson, Texas | 1 | $ 358,000 | $ 358,000 | $ 0 |
| Davis, Utah | 1 | $ 459,000 | $ 459,000 | $ 0 |
| Summit, Utah | 1 | $ 513,000 | $ 513,000 | $ 0 |
| Utah, Utah | 1 | $ 407,000 | $ 407,000 | $ 0 |
| Grand Isle, Vermont | 1 | $ 580,000 | $ 580,000 | $ 0 |
| Fairfax City, Virginia | 1 | $ 599,000 | $ 599,000 | $ 0 |
| Falls Church, Virginia | 1 | $ 415,000 | $ 415,000 | $ 0 |
| Franklin, Virginia | 1 | $ 496,000 | $ 496,000 | $ 0 |
| Goochland, Virginia | 1 | $ 438,000 | $ 438,000 | $ 0 |
| Manassas, Virginia | 1 | $ 270,000 | $ 270,000 | $ 0 |
| Middlesex, Virginia | 1 | $ 302,000 | $ 302,000 | $ 0 |
| Northumberland, Virginia | 1 | $ 241,000 | $ 241,000 | $ 0 |
| Richmond City, Virginia | 1 | $ 501,000 | $ 501,000 | $ 0 |
| Skagit, Washington | 1 | $ 433,000 | $ 433,000 | $ 0 |
| Thurston, Washington | 1 | $ 454,000 | $ 454,000 | $ 0 |
| Yakima, Washington | 1 | $ 545,000 | $ 545,000 | $ 0 |
| Brown, Wisconsin | 1 | $ 640,000 | $ 640,000 | $ 0 |
| Door, Wisconsin | 1 | $ 480,000 | $ 480,000 | $ 0 |
| Sawyer, Wisconsin | 1 | $ 350,000 | $ 350,000 | $ 0 |
Mortgage Loan Application Detail Totals for Parkvale Savings Bank in 2003
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 (home purchase or home improvement, one-to-four family) | 2,087 | $534,025,000 | $431,025 | $798,000 | $8,050 | $1,170,000 |
| Home Improvement (one-to-four family) | 849 | $23,750,000 | $27,000 | $236,000 | $47,000 | $330,000 |
| Home Purchase (one-to-four family) | 340 | $66,776,000 | $405,555 | $650,000 | $4,925 | $523,000 |
| Multifamily dwelling (home purchase, home improvement, and refinancings) | 16 | $6,352,000 | $397,000 | $1,925,000 | $0 | $0 |
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 | 2,087 | $121,414,000 | $268,200 | $720,000 | $129,400 | $1,170,000 |
| Not applicable | 1,125 | $502,473,000 | $432,309 | $1,925,000 | $0 | $0 |
| Black | 33 | $1,836,000 | $165,000 | $355,000 | $90,333 | $331,000 |
| Asian or Pacific Islander | 19 | $1,295,000 | $111,500 | $215,000 | $97,000 | $194,000 |
| Information not provided by applicant in mail or telephone application | 18 | $3,408,000 | $367,500 | $750,000 | $134,000 | $396,000 |
| American Indian or Alaskan Native | 5 | $248,000 | $49,000 | $150,000 | $48,000 | $108,000 |
| Hispanic | 4 | $181,000 | $45,000 | $100,000 | $57,000 | $114,000 |
| Other | 1 | $48,000 | $48,000 | $48,000 | $32,000 | $32,000 |
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) | 3,281 | $630,639,000 | $418,000 | $1,925,000 | $6,500 | $1,170,000 |
| FHA-insured (Federal Housing Administration) | 11 | $264,000 | $24,000 | $69,000 | $43,000 | $60,000 |
| 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 | 1,664 | $104,184,000 | $268,800 | $750,000 | $125,400 | $1,170,000 |
| Loan Purchased By The Institution | 1,111 | $496,816,000 | $433,071 | $798,000 | $0 | $0 |
| Application Denied By Financial Institution | 317 | $12,469,000 | $39,000 | $300,000 | $44,000 | $301,000 |
| Application Withdrawn By Applicant | 147 | $15,013,000 | $282,500 | $1,925,000 | $155,500 | $523,000 |
| Application Approved But Not Accepted | 53 | $2,421,000 | $197,000 | $355,000 | $72,500 | $183,000 |
| File Closed For Incompleteness | 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 | 112 | $4,178,000 | $37,000 | $208,000 | $46,000 | $301,000 |
| Debt-To-Income Ratio | 95 | $3,198,000 | $33,000 | $300,000 | $30,000 | $101,000 |
| Other | 69 | $3,338,000 | $48,000 | $150,000 | $53,000 | $249,000 |
| Collateral | 31 | $1,466,000 | $47,000 | $195,000 | $56,000 | $103,000 |
| Employment History | 9 | $229,000 | $25,000 | $126,000 | $42,000 | $78,000 |
| Mortgage Insurance Denied | 1 | $60,000 | $60,000 | $60,000 | $17,000 | $17,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
| Unverifiable Information | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Parkvale Savings Bank's 2003 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 Parkvale Savings Bank'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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