Slovenian S&L Ass'n Mortgage Lending & HMDA Data, 2006
In 2006, Slovenian S&L Ass'n of Strabane, PA reported 212 mortgage applications totaling $23.0 million, down 39% from 2005. The average application was for $108,259, and applicants reported an average income of $84,910. 92% of its applications resulted in an originated loan and 6% were denied. Its largest market was Pittsburgh, PA (206).
| Mortgage Company & Address | Slovenian S&L Ass'n 130 Boone Ave Po Box 355 Strabane, PA 15363 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 | 212 |
| Total Mortgage Loan Application Amount | $22,951,000 |
| Average Mortgage Loan Application Amount | $108,259 |
| Highest Mortgage Loan Application Amount | $600,000 |
| Average Applicant Income | $84,910 |
| Highest Applicant Income | $321,000 |
About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records Slovenian S&L Ass'n filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 |
|---|---|---|---|---|
| Pittsburgh, PA | 206 | $ 22,376,000 | $ 108,621 | $ 84,000 |
Mortgage Loan Application Detail Totals for Slovenian S&L Ass'n in 2006
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 | 117 | $15,199,000 | $129,000 | $600,000 | $86,000 | $321,000 |
| Home Improvement | 48 | $2,658,000 | $55,000 | $436,000 | $90,000 | $240,000 |
| Refinancing | 47 | $5,094,000 | $108,000 | $450,000 | $77,000 | $237,000 |
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 | 202 | $21,929,000 | $108,000 | $600,000 | $85,000 | $321,000 |
| Not applicable | 6 | $861,000 | $143,000 | $360,000 | $108,000 | $200,000 |
| Native Hawaiian or Other Pacific Islander | 2 | $55,000 | $27,000 | $30,000 | $23,000 | $23,000 |
| Asian | 1 | $65,000 | $65,000 | $65,000 | $69,000 | $69,000 |
| Black or African American | 1 | $41,000 | $41,000 | $41,000 | $97,000 | $97,000 |
| Hispanic | 0 | $0 | $0 | $0 | $0 | $0 |
| American Indian or Alaskan Native | 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) | 212 | $22,951,000 | $108,000 | $600,000 | $85,000 | $321,000 |
| 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 | 195 | $20,994,000 | $107,000 | $600,000 | $86,000 | $321,000 |
| Application Denied By Financial Institution | 12 | $1,566,000 | $130,000 | $392,000 | $75,000 | $215,000 |
| Application Withdrawn By Applicant | 5 | $391,000 | $78,000 | $120,000 | $62,000 | $126,000 |
| File Closed For Incompleteness | 0 | $0 | $0 | $0 | $0 | $0 |
| Application Approved But Not Accepted | 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 |
|---|---|---|---|---|---|---|
| Credit History | 4 | $423,000 | $105,000 | $240,000 | $56,000 | $100,000 |
| Collateral | 4 | $549,000 | $137,000 | $392,000 | $137,000 | $215,000 |
| Debt-To-Income Ratio | 3 | $569,000 | $189,000 | $254,000 | $37,000 | $87,000 |
| Employment History | 1 | $25,000 | $25,000 | $25,000 | $23,000 | $23,000 |
| 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 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Slovenian S&L Ass'n's 2006 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 Slovenian S&L Ass'n'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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