St. Josephs Canton Parish Mortgage Lending & HMDA Data, 2020
In 2020, St. Josephs Canton Parish of Canton, OH reported 50 mortgage applications totaling $3.4 million, down 23% from 2019. The average application was for $68,400, and applicants reported an average income of $59,340. 78% of its applications resulted in an originated loan and 14% were denied. Its largest markets were Canton-Massillon, OH (48) and Cleveland-Elyria, OH (2).
| Mortgage Company & Address | St. Josephs Canton Parish 1811 Whipple Ave Nw Canton, OH 44708 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2020 2019 2018 2017 2016 2015 2014 2013 |
| Total Number of Mortgage Applications | 50 |
| Total Mortgage Loan Application Amount | $3,420,000 |
| Average Mortgage Loan Application Amount | $68,400 |
| Highest Mortgage Loan Application Amount | $225,000 |
| Average Applicant Income | $59,340 |
| Highest Applicant Income | $181,000 |
About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records St. Josephs Canton Parish filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 St. Josephs Canton Parish in 2020
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 Improvement | 14 | $570,000 | $40,000 | $75,000 | $74,000 | $106,000 |
| Refinancing | 11 | $685,000 | $62,000 | $135,000 | $52,000 | $96,000 |
| Home Purchase | 10 | $920,000 | $92,000 | $175,000 | $43,000 | $68,000 |
| Cash-out Refinancing | 8 | $870,000 | $108,000 | $225,000 | $47,000 | $58,000 |
| Other Purpose | 7 | $375,000 | $53,000 | $115,000 | $79,000 | $181,000 |
| Not Applicable | 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 | 46 | $3,130,000 | $68,000 | $225,000 | $61,000 | $181,000 |
| Not Provided | 3 | $275,000 | $91,000 | $105,000 | $52,000 | $58,000 |
| Black or African American | 1 | $15,000 | $15,000 | $15,000 | $17,000 | $17,000 |
| 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 |
| 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) | 47 | $3,125,000 | $66,000 | $225,000 | $61,000 | $181,000 |
| FHA-insured (Federal Housing Administration) | 2 | $180,000 | $90,000 | $95,000 | $29,000 | $35,000 |
| VA-guaranteed (Veterans Administration) | 1 | $115,000 | $115,000 | $115,000 | $39,000 | $39,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 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 | 39 | $2,605,000 | $66,000 | $175,000 | $63,000 | $181,000 |
| Application Denied By Financial Institution | 7 | $475,000 | $67,000 | $225,000 | $55,000 | $104,000 |
| Application Approved But Not Accepted | 3 | $305,000 | $101,000 | $125,000 | $29,000 | $35,000 |
| Application Withdrawn By Applicant | 1 | $35,000 | $35,000 | $35,000 | $22,000 | $22,000 |
| 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 |
| 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 | 43 | $2,945,000 | $68,000 | $175,000 | $60,000 | $181,000 |
| Debt-To-Income Ratio | 3 | $55,000 | $18,000 | $25,000 | $51,000 | $100,000 |
| Credit History | 2 | $100,000 | $50,000 | $75,000 | $68,000 | $104,000 |
| Unverifiable Information | 1 | $225,000 | $225,000 | $225,000 | $54,000 | $54,000 |
| Collateral | 1 | $95,000 | $95,000 | $95,000 | $43,000 | $43,000 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
| Other | 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 St. Josephs Canton Parish's 2020 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 St. Josephs Canton Parish'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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