Home Savings Bank Mortgage Lending & HMDA Data, 2019
In 2019, Home Savings Bank of Youngstown, OH reported 4,559 mortgage applications totaling $959.7 million, up 6% from 2018. The average application was for $210,516, and applicants reported an average income of $119,849. 77% of its applications resulted in an originated loan and 13% were denied. Its largest markets were Youngstown-Warren-Boardman, OH-PA (1,128), Cleveland-Elyria, OH (472) and Morgantown, WV (372) (applications in parentheses).
| Mortgage Company & Address | Home Savings Bank 275 W Federal St Youngstown, OH 44503 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2019 2018 2017 2016 2015 2014 |
| Total Number of Mortgage Applications | 4,559 |
| Total Mortgage Loan Application Amount | $959,745,000 |
| Average Mortgage Loan Application Amount | $210,516 |
| Highest Mortgage Loan Application Amount | $18,205,000 |
| Average Applicant Income | $119,849 |
| Highest Applicant Income | $1,932,000 |
About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records Home Savings Bank filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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.
| Metro Area | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Outside any metro area | 1,154 | $ 169,200,000 | $ 146,620 | $ 92,664 |
| Youngstown-Warren-Boardman, OH-PA | 1,128 | $ 139,500,000 | $ 123,670 | $ 98,589 |
| Cleveland-Elyria, OH | 472 | $ 117,570,000 | $ 249,088 | $ 171,000 |
| Morgantown, WV | 372 | $ 77,040,000 | $ 207,096 | $ 129,000 |
| Pittsburgh, PA | 303 | $ 124,065,000 | $ 409,455 | $ 140,000 |
| Akron, OH | 253 | $ 63,245,000 | $ 249,980 | $ 147,000 |
| Columbus, OH | 215 | $ 95,565,000 | $ 444,488 | $ 166,000 |
| Toledo, OH | 159 | $ 37,835,000 | $ 237,955 | $ 123,000 |
| Canton-Massillon, OH | 157 | $ 34,135,000 | $ 217,420 | $ 148,000 |
| Wheeling, WV-OH | 67 | $ 11,335,000 | $ 169,179 | $ 121,343 |
| Cincinnati, OH-KY-IN | 61 | $ 14,925,000 | $ 244,672 | $ 123,360 |
| Mansfield, OH | 43 | $ 6,735,000 | $ 156,627 | $ 111,000 |
| Weirton-Steubenville, WV-OH | 23 | $ 3,345,000 | $ 145,434 | $ 105,956 |
| Indianapolis-Carmel-Anderson, IN | 19 | $ 4,815,000 | $ 253,421 | $ 114,000 |
| Louisville/Jefferson County, KY-IN | 14 | $ 3,820,000 | $ 272,857 | $ 107,500 |
| Monroe, MI | 14 | $ 4,130,000 | $ 295,000 | $ 118,000 |
| Dayton-Springfield-Kettering, OH | 13 | $ 2,395,000 | $ 184,230 | $ 76,000 |
| Nashville-Davidson--Murfreesboro--Franklin, TN | 12 | $ 2,700,000 | $ 225,000 | $ 122,000 |
| Warren-Troy-Farmington Hills, MI | 12 | $ 15,790,000 | $ 1,315,833 | $ 115,000 |
| Detroit-Dearborn-Livonia, MI | 6 | $ 16,030,000 | $ 2,671,666 | $ 73,000 |
| Parkersburg-Vienna, WV | 6 | $ 1,720,000 | $ 286,666 | $ 169,000 |
| Cape Coral-Fort Myers, FL | 5 | $ 725,000 | $ 145,000 | $ 99,000 |
| Ann Arbor, MI | 4 | $ 1,070,000 | $ 267,500 | $ 121,000 |
| Clarksville, TN-KY | 3 | $ 1,145,000 | $ 381,666 | $ 138,000 |
| Harrisburg-Carlisle, PA | 3 | $ 395,000 | $ 131,666 | $ 97,000 |
| Huntington-Ashland, WV-KY-OH | 3 | $ 985,000 | $ 328,333 | $ 126,000 |
| Lima, OH | 3 | $ 735,000 | $ 245,000 | $ 108,000 |
| Naples-Immokalee-Marco Island, FL | 3 | $ 1,335,000 | $ 445,000 | $ 558,000 |
| North Port-Sarasota-Bradenton, FL | 3 | $ 1,135,000 | $ 378,333 | $ 369,000 |
| Allentown-Bethlehem-Easton, PA-NJ | 2 | $ 450,000 | $ 225,000 | $ 122,000 |
| Charleston, WV | 2 | $ 310,000 | $ 155,000 | $ 107,000 |
| Chicago-Naperville, IL | 2 | $ 130,000 | $ 65,000 | $ 160,000 |
| Danville, IL | 2 | $ 570,000 | $ 285,000 | $ 210,000 |
| Johnstown, PA | 2 | $ 490,000 | $ 245,000 | $ 140,000 |
| Punta Gorda, FL | 2 | $ 320,000 | $ 160,000 | $ 62,000 |
| Sebastian-Vero Beach, FL | 2 | $ 740,000 | $ 370,000 | $ 360,000 |
| Springfield, OH | 2 | $ 510,000 | $ 255,000 | $ 133,000 |
| Tampa-St. Petersburg-Clearwater, FL | 2 | $ 280,000 | $ 140,000 | $ 100,000 |
| Beckley, WV | 1 | $ 285,000 | $ 285,000 | $ 198,000 |
| Homosassa Springs, FL | 1 | $ 135,000 | $ 135,000 | $ 90,000 |
| Jacksonville, FL | 1 | $ 115,000 | $ 115,000 | $ 151,000 |
| Lexington-Fayette, KY | 1 | $ 455,000 | $ 455,000 | $ 146,000 |
| Montgomery County-Bucks County-Chester County, PA | 1 | $ 215,000 | $ 215,000 | $ 189,000 |
| Myrtle Beach-Conway-North Myrtle Beach, SC-NC | 1 | $ 105,000 | $ 105,000 | $ 120,000 |
| Pensacola-Ferry Pass-Brent, FL | 1 | $ 75,000 | $ 75,000 | $ 86,000 |
| Terre Haute, IN | 1 | $ 245,000 | $ 245,000 | $ 70,000 |
| The Villages, FL | 1 | $ 155,000 | $ 155,000 | $ 126,000 |
| West Palm Beach-Boca Raton-Delray Beach, FL | 1 | $ 445,000 | $ 445,000 | $ 327,000 |
| Winchester, VA-WV | 1 | $ 295,000 | $ 295,000 | $ 243,000 |
Mortgage Loan Application Detail Totals for Home Savings Bank in 2019
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 | 2,428 | $671,740,000 | $276,000 | $18,205,000 | $123,000 | $1,902,000 |
| Refinancing | 934 | $186,580,000 | $199,000 | $4,455,000 | $130,000 | $950,000 |
| Home Improvement | 729 | $38,555,000 | $52,000 | $455,000 | $103,000 | $1,932,000 |
| Cash-out Refinancing | 250 | $48,110,000 | $192,000 | $965,000 | $125,000 | $837,000 |
| Other Purpose | 217 | $14,665,000 | $67,000 | $1,205,000 | $92,000 | $669,000 |
| Not Applicable | 1 | $95,000 | $95,000 | $95,000 | $27,000 | $27,000 |
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 | 4,068 | $712,970,000 | $175,000 | $1,635,000 | $120,000 | $1,902,000 |
| Not Provided | 238 | $52,900,000 | $222,000 | $995,000 | $135,000 | $1,932,000 |
| Black or African American | 89 | $12,115,000 | $136,000 | $745,000 | $86,000 | $586,000 |
| Hispanic | 87 | $8,635,000 | $99,000 | $655,000 | $88,000 | $633,000 |
| Asian | 34 | $7,330,000 | $215,000 | $885,000 | $127,000 | $487,000 |
| Not applicable | 28 | $163,350,000 | $5,833,000 | $18,205,000 | $0 | $0 |
| American Indian or Alaskan Native | 5 | $395,000 | $79,000 | $215,000 | $115,000 | $360,000 |
| Native Hawaiian or Other Pacific Islander | 4 | $540,000 | $135,000 | $205,000 | $74,000 | $141,000 |
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) | 4,222 | $905,790,000 | $214,000 | $18,205,000 | $124,000 | $1,932,000 |
| FHA-insured (Federal Housing Administration) | 236 | $35,190,000 | $149,000 | $325,000 | $66,000 | $228,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 53 | $7,815,000 | $147,000 | $265,000 | $53,000 | $108,000 |
| VA-guaranteed (Veterans Administration) | 48 | $10,950,000 | $228,000 | $455,000 | $96,000 | $273,000 |
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 | 3,494 | $790,650,000 | $226,000 | $16,385,000 | $126,000 | $1,902,000 |
| Application Denied By Financial Institution | 588 | $66,680,000 | $113,000 | $915,000 | $90,000 | $1,932,000 |
| Application Withdrawn By Applicant | 434 | $77,900,000 | $179,000 | $1,015,000 | $113,000 | $857,000 |
| Application Approved But Not Accepted | 38 | $23,690,000 | $623,000 | $18,205,000 | $135,000 | $850,000 |
| File Closed For Incompleteness | 3 | $615,000 | $205,000 | $355,000 | $109,000 | $140,000 |
| Loan Purchased By The Institution | 2 | $210,000 | $105,000 | $115,000 | $47,000 | $68,000 |
| 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 |
|---|---|---|---|---|---|---|
| Not applicable | 3,971 | $893,065,000 | $224,000 | $18,205,000 | $124,000 | $1,902,000 |
| Credit History | 219 | $13,795,000 | $62,000 | $915,000 | $70,000 | $1,044,000 |
| Debt-To-Income Ratio | 148 | $16,790,000 | $113,000 | $455,000 | $59,000 | $270,000 |
| Collateral | 127 | $22,725,000 | $178,000 | $725,000 | $137,000 | $771,000 |
| Other | 49 | $5,235,000 | $106,000 | $505,000 | $87,000 | $273,000 |
| Credit Application Incomplete | 28 | $5,810,000 | $207,000 | $905,000 | $219,000 | $1,932,000 |
| Unverifiable Information | 11 | $1,845,000 | $167,000 | $495,000 | $76,000 | $255,000 |
| Employment History | 5 | $175,000 | $35,000 | $55,000 | $43,000 | $65,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 1 | $305,000 | $305,000 | $305,000 | $114,000 | $114,000 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Home Savings Bank's 2019 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 Home 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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