Slovenian Savings & Loan Association of Franklin-Conemaugh Mortgage Lending & HMDA Data, 2011
In 2011, Slovenian Savings & Loan Association of Franklin-Conemaugh of Johnstown, PA reported 108 mortgage applications totaling $9.7 million. The average application was for $89,972, and applicants reported an average income of $80,194. 66% of its applications resulted in an originated loan and 9% were denied. Its largest market was Johnstown, PA (56).
| 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 | 108 |
| Total Mortgage Loan Application Amount | $9,717,000 |
| Average Mortgage Loan Application Amount | $89,972 |
| Highest Mortgage Loan Application Amount | $405,000 |
| Average Applicant Income | $80,194 |
| Highest Applicant Income | $273,000 |
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Loan Association of Franklin-Conemaugh filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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.
Mortgage Loan Application Detail Totals for Slovenian Savings & Loan Association of Franklin-Conemaugh in 2011
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 | 57 | $5,740,000 | $100,000 | $405,000 | $92,000 | $269,000 |
| Home Purchase | 51 | $3,977,000 | $77,000 | $357,000 | $67,000 | $273,000 |
| 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 | 104 | $9,474,000 | $91,000 | $405,000 | $82,000 | $273,000 |
| Asian | 2 | $214,000 | $107,000 | $150,000 | $29,000 | $40,000 |
| Black or African American | 2 | $29,000 | $14,000 | $19,000 | $35,000 | $37,000 |
| 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) | 108 | $9,717,000 | $89,000 | $405,000 | $80,000 | $273,000 |
| 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 | 71 | $7,027,000 | $98,000 | $405,000 | $94,000 | $273,000 |
| Preapproval Denied by Financial Institution | 23 | $1,183,000 | $51,000 | $150,000 | $34,000 | $66,000 |
| Application Denied By Financial Institution | 10 | $976,000 | $97,000 | $247,000 | $75,000 | $159,000 |
| Application Withdrawn By Applicant | 2 | $391,000 | $195,000 | $269,000 | $154,000 | $223,000 |
| Application Approved But Not Accepted | 2 | $140,000 | $70,000 | $122,000 | $57,000 | $86,000 |
| 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 | 18 | $1,081,000 | $60,000 | $193,000 | $47,000 | $139,000 |
| Debt-To-Income Ratio | 7 | $466,000 | $66,000 | $150,000 | $28,000 | $53,000 |
| Employment History | 3 | $106,000 | $35,000 | $60,000 | $29,000 | $58,000 |
| Mortgage Insurance Denied | 2 | $183,000 | $91,000 | $108,000 | $65,000 | $68,000 |
| Other | 1 | $24,000 | $24,000 | $24,000 | $40,000 | $40,000 |
| Collateral | 1 | $247,000 | $247,000 | $247,000 | $159,000 | $159,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 1 | $52,000 | $52,000 | $52,000 | $64,000 | $64,000 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
| Unverifiable Information | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Slovenian Savings & Loan Association of Franklin-Conemaugh's 2011 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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