Standard Register Federal CU Mortgage Lending & HMDA Data, 2007
In 2007, Standard Register Federal CU of Dayton, OH reported 54 mortgage applications totaling $3.4 million, down 40% from 2006. The average application was for $62,759, and applicants reported an average income of $69,388. 69% of its applications resulted in an originated loan and 7% were denied. Its largest markets were Dayton, OH (28), Chicago-Naperville-Joliet, IL (5) and Cincinnati-Middletown, OH-KY-IN (3) (applications in parentheses).
| Mortgage Company & Address | Standard Register Federal CU 175 Campbell Street Dayton, OH 45417 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2013 2012 2011 2010 2009 2008 2007 2006 2005 2004 |
| Total Number of Mortgage Applications | 54 |
| Total Mortgage Loan Application Amount | $3,389,000 |
| Average Mortgage Loan Application Amount | $62,759 |
| Highest Mortgage Loan Application Amount | $487,000 |
| Average Applicant Income | $69,388 |
| Highest Applicant Income | $238,000 |
About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records Standard Register Federal CU filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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.
| Metro Area | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Dayton, OH | 28 | $ 1,012,000 | $ 36,142 | $ 59,000 |
| Chicago-Naperville-Joliet, IL | 5 | $ 211,000 | $ 42,200 | $ 82,000 |
| Cincinnati-Middletown, OH-KY-IN | 3 | $ 151,000 | $ 50,333 | $ 62,000 |
| Phoenix-Mesa-Scottsdale, AZ | 2 | $ 200,000 | $ 100,000 | $ 45,000 |
| Columbus, OH | 1 | $ 17,000 | $ 17,000 | $ 59,000 |
| Greensboro-High Point, NC | 1 | $ 43,000 | $ 43,000 | $ 150,000 |
| Honolulu, HI | 1 | $ 487,000 | $ 487,000 | $ 97,000 |
| Indianapolis-Carmel, IN | 1 | $ 45,000 | $ 45,000 | $ 42,000 |
| Las Vegas-Paradise, NV | 1 | $ 296,000 | $ 296,000 | $ 137,000 |
| Nashville-Davidson--Murfreesboro--Franklin, TN | 1 | $ 25,000 | $ 25,000 | $ 70,000 |
| Providence-New Bedford-Fall River, RI-MA | 1 | $ 100,000 | $ 100,000 | $ 209,000 |
| Riverside-San Bernardino-Ontario, CA | 1 | $ 100,000 | $ 100,000 | $ 238,000 |
| Tampa-St. Petersburg-Clearwater, FL | 1 | $ 30,000 | $ 30,000 | $ 42,000 |
Mortgage Loan Application Detail Totals for Standard Register Federal CU in 2007
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 | 27 | $2,309,000 | $85,000 | $487,000 | $69,000 | $238,000 |
| Home Improvement | 21 | $526,000 | $25,000 | $100,000 | $76,000 | $170,000 |
| Home Purchase | 6 | $554,000 | $92,000 | $160,000 | $48,000 | $85,000 |
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 |
|---|---|---|---|---|---|---|
| Not Provided | 30 | $2,627,000 | $87,000 | $487,000 | $81,000 | $238,000 |
| White | 18 | $508,000 | $28,000 | $120,000 | $55,000 | $170,000 |
| Black or African American | 5 | $214,000 | $42,000 | $100,000 | $56,000 | $90,000 |
| Hispanic | 1 | $40,000 | $40,000 | $40,000 | $46,000 | $46,000 |
| 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) | 54 | $3,389,000 | $62,000 | $487,000 | $69,000 | $238,000 |
| 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 | 37 | $985,000 | $26,000 | $120,000 | $67,000 | $209,000 |
| Loan Purchased By The Institution | 12 | $2,076,000 | $173,000 | $487,000 | $63,000 | $137,000 |
| Application Denied By Financial Institution | 4 | $228,000 | $57,000 | $100,000 | $104,000 | $238,000 |
| Application Withdrawn By Applicant | 1 | $100,000 | $100,000 | $100,000 | $90,000 | $90,000 |
| File Closed For Incompleteness | 0 | $0 | $0 | $0 | $0 | $0 |
| Application Approved But Not Accepted | 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 |
|---|---|---|---|---|---|---|
| Debt-To-Income Ratio | 4 | $228,000 | $57,000 | $100,000 | $104,000 | $238,000 |
| 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 |
| Collateral | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit History | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Standard Register Federal CU's 2007 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 Standard Register Federal CU'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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