Slovenian Savings & Loan Association of Franklin-Conemaugh Mortgage Lending & HMDA Data, 2013
In 2013, Slovenian Savings & Loan Association of Franklin-Conemaugh of Johnstown, PA reported 112 mortgage applications totaling $9.6 million, up 7% from 2012. The average application was for $86,008, and applicants reported an average income of $68,482. 65% of its applications resulted in an originated loan and 8% were denied. Its largest markets were Johnstown, PA (64) and Pittsburgh, PA (2).
| Mortgage Company & Address | Slovenian Savings & Loan Association of Franklin-Conemaugh 361 First St Johnstown, PA 15909 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2025 2024 2023 2022 2021 2020 2019 2018 2017 2016 2015 2014 2013 2012 2011 |
| Total Number of Mortgage Applications | 112 |
| Total Mortgage Loan Application Amount | $9,633,000 |
| Average Mortgage Loan Application Amount | $86,008 |
| Highest Mortgage Loan Application Amount | $310,000 |
| Average Applicant Income | $68,482 |
| Highest Applicant Income | $301,000 |
About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records Slovenian Savings & Loan Association of Franklin-Conemaugh filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 |
|---|---|---|---|---|
| Cambria, Pennsylvania | 64 | $ 5,306,000 | $ 82,906 | $ 74,000 |
| Somerset, Pennsylvania | 25 | $ 2,764,000 | $ 110,560 | $ 75,000 |
| Indiana, Pennsylvania | 2 | $ 178,000 | $ 89,000 | $ 39,000 |
| Westmoreland, Pennsylvania | 2 | $ 286,000 | $ 143,000 | $ 49,000 |
Mortgage Loan Application Detail Totals for Slovenian Savings & Loan Association of Franklin-Conemaugh in 2013
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 | 90 | $7,104,000 | $78,000 | $310,000 | $62,000 | $239,000 |
| Refinancing | 22 | $2,529,000 | $114,000 | $261,000 | $95,000 | $301,000 |
| Home Improvement | 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 | 109 | $9,370,000 | $85,000 | $310,000 | $68,000 | $301,000 |
| Black or African American | 2 | $228,000 | $114,000 | $147,000 | $75,000 | $82,000 |
| Hispanic | 1 | $35,000 | $35,000 | $35,000 | $36,000 | $36,000 |
| 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 |
| American Indian or Alaskan Native | 0 | $0 | $0 | $0 | $0 | $0 |
| Asian | 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) | 112 | $9,633,000 | $86,000 | $310,000 | $68,000 | $301,000 |
| 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 | 73 | $6,924,000 | $94,000 | $310,000 | $74,000 | $286,000 |
| Preapproval Denied by Financial Institution | 19 | $1,099,000 | $57,000 | $143,000 | $44,000 | $91,000 |
| Application Denied By Financial Institution | 9 | $616,000 | $68,000 | $209,000 | $48,000 | $83,000 |
| Application Withdrawn By Applicant | 6 | $635,000 | $105,000 | $255,000 | $89,000 | $301,000 |
| Application Approved But Not Accepted | 5 | $359,000 | $71,000 | $95,000 | $92,000 | $201,000 |
| 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 |
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 | 16 | $823,000 | $51,000 | $143,000 | $45,000 | $91,000 |
| Debt-To-Income Ratio | 7 | $590,000 | $84,000 | $209,000 | $45,000 | $79,000 |
| Collateral | 4 | $252,000 | $63,000 | $95,000 | $53,000 | $83,000 |
| Other | 1 | $50,000 | $50,000 | $50,000 | $21,000 | $21,000 |
| Unverifiable Information | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit Application Incomplete | 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 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Slovenian Savings & Loan Association of Franklin-Conemaugh's 2013 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 Savings & Loan Association of Franklin-Conemaugh'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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