Slovenian S&L Ass'n Mortgage Lending & HMDA Data, 2003
In 2003, Slovenian S&L Ass'n of Strabane, PA reported 272 mortgage applications totaling $25.5 million. The average application was for $93,779, and applicants reported an average income of $54,911. 94% of its applications resulted in an originated loan and 4% were denied. Its largest market was Pittsburgh, PA (272).
| 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 | 272 |
| Total Mortgage Loan Application Amount | $25,508,000 |
| Average Mortgage Loan Application Amount | $93,779 |
| Highest Mortgage Loan Application Amount | $427,000 |
| Average Applicant Income | $54,911 |
| Highest Applicant Income | $264,000 |
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Act (HMDA) records Slovenian S&L Ass'n filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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.
Mortgage Loan Application Detail Totals for Slovenian S&L Ass'n 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) | 133 | $12,427,000 | $93,000 | $325,000 | $44,000 | $250,000 |
| Home Purchase (one-to-four family) | 93 | $11,599,000 | $124,000 | $427,000 | $68,000 | $264,000 |
| Home Improvement (one-to-four family) | 46 | $1,482,000 | $32,000 | $150,000 | $60,000 | $228,000 |
| Multifamily dwelling (home purchase, home improvement, and refinancings) | 0 | $0 | $0 | $0 | $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 | 270 | $25,333,000 | $93,000 | $427,000 | $60,000 | $264,000 |
| Black | 1 | $23,000 | $23,000 | $23,000 | $35,000 | $35,000 |
| Hispanic | 1 | $152,000 | $152,000 | $152,000 | $24,000 | $24,000 |
| Information not provided by applicant in mail or telephone application | 0 | $0 | $0 | $0 | $0 | $0 |
| Not applicable | 0 | $0 | $0 | $0 | $0 | $0 |
| Other | 0 | $0 | $0 | $0 | $0 | $0 |
| American Indian or Alaskan Native | 0 | $0 | $0 | $0 | $0 | $0 |
| Asian or Pacific Islander | 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) | 272 | $25,508,000 | $93,000 | $427,000 | $56,000 | $264,000 |
| 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 | 257 | $24,295,000 | $94,000 | $427,000 | $61,000 | $264,000 |
| Application Denied By Financial Institution | 10 | $603,000 | $60,000 | $93,000 | $49,000 | $90,000 |
| Application Withdrawn By Applicant | 5 | $610,000 | $122,000 | $240,000 | $58,000 | $120,000 |
| File Closed For Incompleteness | 0 | $0 | $0 | $0 | $0 | $0 |
| Loan Purchased By The Institution | 0 | $0 | $0 | $0 | $0 | $0 |
| Application 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 |
|---|---|---|---|---|---|---|
| Collateral | 5 | $344,000 | $68,000 | $93,000 | $59,000 | $72,000 |
| Credit History | 3 | $149,000 | $49,000 | $74,000 | $38,000 | $60,000 |
| Debt-To-Income Ratio | 2 | $110,000 | $55,000 | $75,000 | $51,000 | $90,000 |
| Employment History | 0 | $0 | $0 | $0 | $0 | $0 |
| 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 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 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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