Slovenian Savings & Loan Association of Franklin-Conemaugh Mortgage Lending & HMDA Data, 2019
In 2019, Slovenian Savings & Loan Association of Franklin-Conemaugh of Johnstown, PA reported 104 mortgage applications totaling $13.6 million, up 20% from 2018. The average application was for $130,961, and applicants reported an average income of $93,528. 80% of its applications resulted in an originated loan and 15% were denied. Its largest markets were Johnstown, PA (70), Altoona, PA (2) and Pittsburgh, PA (1) (applications in parentheses).
| 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 | 104 |
| Total Mortgage Loan Application Amount | $13,620,000 |
| Average Mortgage Loan Application Amount | $130,961 |
| Highest Mortgage Loan Application Amount | $435,000 |
| Average Applicant Income | $93,528 |
| Highest Applicant Income | $510,000 |
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Loan Association of Franklin-Conemaugh filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 | 70 | $ 8,350,000 | $ 119,285 | $ 87,000 |
| Somerset, Pennsylvania | 26 | $ 3,530,000 | $ 135,769 | $ 107,000 |
| Bedford, Pennsylvania | 4 | $ 960,000 | $ 240,000 | $ 108,000 |
| Blair, Pennsylvania | 2 | $ 350,000 | $ 175,000 | $ 106,000 |
| Indiana, Pennsylvania | 1 | $ 205,000 | $ 205,000 | $ 106,000 |
| Westmoreland, Pennsylvania | 1 | $ 225,000 | $ 225,000 | $ 93,000 |
Mortgage Loan Application Detail Totals for Slovenian Savings & Loan Association of Franklin-Conemaugh 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 | 87 | $10,475,000 | $120,000 | $435,000 | $91,000 | $510,000 |
| Cash-out Refinancing | 14 | $2,570,000 | $183,000 | $315,000 | $98,000 | $203,000 |
| Refinancing | 2 | $440,000 | $220,000 | $285,000 | $169,000 | $286,000 |
| Home Improvement | 1 | $135,000 | $135,000 | $135,000 | $100,000 | $100,000 |
| Not Applicable | 0 | $0 | $0 | $0 | $0 | $0 |
| Other Purpose | 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 | 102 | $13,170,000 | $129,000 | $345,000 | $94,000 | $510,000 |
| Asian | 1 | $435,000 | $435,000 | $435,000 | $159,000 | $159,000 |
| Black or African American | 1 | $15,000 | $15,000 | $15,000 | $23,000 | $23,000 |
| Hispanic | 0 | $0 | $0 | $0 | $0 | $0 |
| 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 |
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) | 104 | $13,620,000 | $130,000 | $435,000 | $93,000 | $510,000 |
| 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 | 83 | $10,975,000 | $132,000 | $435,000 | $96,000 | $510,000 |
| Application Denied By Financial Institution | 16 | $2,000,000 | $125,000 | $345,000 | $68,000 | $133,000 |
| Application Withdrawn By Applicant | 5 | $645,000 | $129,000 | $205,000 | $137,000 | $300,000 |
| 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 |
|---|---|---|---|---|---|---|
| Not applicable | 88 | $11,620,000 | $132,000 | $435,000 | $98,000 | $510,000 |
| Debt-To-Income Ratio | 6 | $750,000 | $125,000 | $235,000 | $52,000 | $110,000 |
| Credit History | 5 | $715,000 | $143,000 | $225,000 | $76,000 | $106,000 |
| Collateral | 2 | $420,000 | $210,000 | $345,000 | $108,000 | $133,000 |
| Other | 1 | $15,000 | $15,000 | $15,000 | $30,000 | $30,000 |
| Employment History | 1 | $25,000 | $25,000 | $25,000 | $57,000 | $57,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 1 | $75,000 | $75,000 | $75,000 | $95,000 | $95,000 |
| Mortgage Insurance Denied | 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 Savings & Loan Association of Franklin-Conemaugh'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 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.
For a list of all lenders in Pennsylvania, download the full spreadsheet
with aggregated HMDA statistics today.
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