United Midwest Savings Bank
HMDA Loan Application Totals
and Mortgage Lending Details
for 2003
United Midwest Savings Bank 2003 HMDA loan application data provides key insights into its mortgage lending trends, applicant demographics, and loan distribution.
The Home Mortgage Disclosure Act (HMDA) requires lenders to report detailed loan application data, offering transparency into lending patterns.
The data reveals trends in average loan size, applicant income, and mortgage approval rates, helping consumers and analysts understand lending accessibility.
Below, explore a breakdown of loan applications by county, metro area, loan purpose, applicant race, loan type, and more.
Whether you're an industry professional, homebuyer, or researcher,
this information provides valuable insights into mortgage lending activity.
Scroll down to view the full dataset and analyze lending trends in greater detail.
| Mortgage Company & Address | United Midwest Savings Bank 101 S Main St Degraff, OH 43318 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2010 2009 2008 2007 2006 2005 2004 2003 |
| Total Number of Mortgage Applications | 615 |
| Total Mortgage Loan Application Amount | $68,844,000 |
| Average Mortgage Loan Application Amount | $96,545 |
| Highest Mortgage Loan Application Amount | $612,000 |
| Average Applicant Income | $72,181 |
| Highest Applicant Income | $420,000 |
Explore comprehensive HMDA mortgage statistics and lending trends for 2003 with United Midwest Savings Bank. Below, you'll find key insights into this lender's mortgage activity, including total loan applications, average mortgage amounts, highest application values, and income levels of top applicants. Whether you're analyzing United Midwest Savings Bank's lending patterns or researching mortgage trends, these statistics provide valuable transparency into their loan activity.
Our HMDA dataset for 2003 breaks down United Midwest Savings Bank's mortgage applications by loan purpose, applicant race, loan type, approval outcomes, and reasons for denial. These insights help homebuyers, financial analysts, and industry professionals assess borrower demographics and lending practices, offering a clearer view of how United Midwest Savings Bank serves its applicants.
Each category highlights the total number of mortgage applications processed by United Midwest Savings Bank, total loan amounts, average mortgage values, and the highest mortgage amounts recorded. You can also review borrower income trends, including the average and highest reported applicant incomes for loans issued by this lender. Whether you're evaluating lender performance, comparing mortgage approval rates, or exploring loan options, this HMDA-backed data offers a crucial look at United Midwest Savings Bank's mortgage activity for 2003.
| County | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loans Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Logan County Ohio | 75 | $ 7,348,000 | $ 97,000 | $ 38,000 |
| Pendleton County Kentucky | 57 | $ 4,923,000 | $ 86,000 | $ 37,000 |
| Franklin County Ohio | 34 | $ 3,643,000 | $ 107,000 | $ 59,000 |
| Osceola County Florida | 30 | $ 3,750,000 | $ 125,000 | $ 0 |
| Polk County Florida | 22 | $ 3,110,000 | $ 141,000 | $ 0 |
| Lapeer County Michigan | 18 | $ 2,459,000 | $ 136,000 | $ 54,000 |
| Montgomery County Ohio | 15 | $ 1,428,000 | $ 95,000 | $ 26,000 |
| Licking County Ohio | 12 | $ 1,654,000 | $ 137,000 | $ 56,000 |
| Genesee County Michigan | 10 | $ 1,270,000 | $ 127,000 | $ 71,000 |
| Ashland County Ohio | 9 | $ 1,131,000 | $ 125,000 | $ 37,000 |
| Delaware County Ohio | 9 | $ 1,757,000 | $ 195,000 | $ 77,000 |
| Marion County Ohio | 9 | $ 810,000 | $ 90,000 | $ 76,000 |
| Morrow County Ohio | 9 | $ 1,067,000 | $ 118,000 | $ 44,000 |
| Saginaw County Michigan | 8 | $ 955,000 | $ 119,000 | $ 50,000 |
| Lorain County Ohio | 7 | $ 876,000 | $ 125,000 | $ 63,000 |
| Pickaway County Ohio | 7 | $ 838,000 | $ 119,000 | $ 57,000 |
| Wayne County Ohio | 7 | $ 708,000 | $ 101,000 | $ 49,000 |
| Boone County Kentucky | 6 | $ 564,000 | $ 94,000 | $ 42,000 |
| Campbell County Kentucky | 6 | $ 519,000 | $ 86,000 | $ 79,000 |
| Bay County Michigan | 6 | $ 490,000 | $ 81,000 | $ 28,000 |
| Ashtabula County Ohio | 6 | $ 720,000 | $ 120,000 | $ 42,000 |
| Clark County Ohio | 6 | $ 557,000 | $ 92,000 | $ 86,000 |
| Shelby County Ohio | 6 | $ 567,000 | $ 94,000 | $ 59,000 |
| Beaver County Pennsylvania | 6 | $ 572,000 | $ 95,000 | $ 42,000 |
| Palm Beach County Florida | 5 | $ 1,012,000 | $ 202,000 | $ 69,000 |
| Kenton County Kentucky | 5 | $ 460,000 | $ 92,000 | $ 65,000 |
| Belmont County Ohio | 5 | $ 1,038,000 | $ 207,000 | $ 195,000 |
| Butler County Ohio | 5 | $ 671,000 | $ 134,000 | $ 140,000 |
| Champaign County Ohio | 5 | $ 399,000 | $ 79,000 | $ 61,000 |
| Clermont County Ohio | 5 | $ 649,000 | $ 129,000 | $ 45,000 |
| Geauga County Ohio | 5 | $ 1,002,000 | $ 200,000 | $ 100,000 |
| Hardin County Ohio | 5 | $ 436,000 | $ 87,000 | $ 59,000 |
| Knox County Ohio | 5 | $ 707,000 | $ 141,000 | $ 63,000 |
| Medina County Ohio | 5 | $ 821,000 | $ 164,000 | $ 67,000 |
| Portage County Ohio | 5 | $ 809,000 | $ 161,000 | $ 48,000 |
| Union County Ohio | 5 | $ 581,000 | $ 116,000 | $ 37,000 |
| Warren County Ohio | 5 | $ 519,000 | $ 103,000 | $ 0 |
| Orange County Florida | 4 | $ 950,000 | $ 237,000 | $ 0 |
| Allen County Indiana | 4 | $ 165,000 | $ 41,000 | $ 44,000 |
| Allen County Ohio | 4 | $ 327,000 | $ 81,000 | $ 44,000 |
| Columbiana County Ohio | 4 | $ 532,000 | $ 133,000 | $ 37,000 |
| Fairfield County Ohio | 4 | $ 479,000 | $ 119,000 | $ 45,000 |
| Hamilton County Ohio | 4 | $ 454,000 | $ 113,000 | $ 58,000 |
| Perry County Ohio | 4 | $ 284,000 | $ 71,000 | $ 38,000 |
| Stark County Ohio | 4 | $ 462,000 | $ 115,000 | $ 53,000 |
| Bracken County Kentucky | 3 | $ 372,000 | $ 124,000 | $ 43,000 |
| Harrison County Kentucky | 3 | $ 358,000 | $ 119,000 | $ 57,000 |
| Macomb County Michigan | 3 | $ 311,000 | $ 103,000 | $ 51,000 |
| Brown County Ohio | 3 | $ 339,000 | $ 113,000 | $ 36,000 |
| Carroll County Ohio | 3 | $ 270,000 | $ 90,000 | $ 44,000 |
| Fayette County Ohio | 3 | $ 163,000 | $ 54,000 | $ 69,000 |
| Hancock County Ohio | 3 | $ 530,000 | $ 176,000 | $ 68,000 |
| Harrison County Ohio | 3 | $ 260,000 | $ 86,000 | $ 63,000 |
| Highland County Ohio | 3 | $ 266,000 | $ 88,000 | $ 60,000 |
| Huron County Ohio | 3 | $ 245,000 | $ 81,000 | $ 41,000 |
| Ottawa County Ohio | 3 | $ 383,000 | $ 127,000 | $ 18,000 |
| Tuscarawas County Ohio | 3 | $ 162,000 | $ 54,000 | $ 31,000 |
| Wood County Ohio | 3 | $ 415,000 | $ 138,000 | $ 53,000 |
| Allegheny County Pennsylvania | 3 | $ 317,000 | $ 105,000 | $ 44,000 |
| Crawford County Pennsylvania | 3 | $ 452,000 | $ 150,000 | $ 49,000 |
| Westmoreland County Pennsylvania | 3 | $ 414,000 | $ 138,000 | $ 49,000 |
| Lee County Florida | 2 | $ 133,000 | $ 66,000 | $ 22,000 |
| Dearborn County Indiana | 2 | $ 213,000 | $ 106,000 | $ 46,000 |
| White County Indiana | 2 | $ 391,000 | $ 195,000 | $ 6,000 |
| Clark County Kentucky | 2 | $ 164,000 | $ 82,000 | $ 47,000 |
| Adams County Ohio | 2 | $ 159,000 | $ 79,000 | $ 47,000 |
| Auglaize County Ohio | 2 | $ 143,000 | $ 71,000 | $ 24,000 |
| Crawford County Ohio | 2 | $ 107,000 | $ 53,000 | $ 47,000 |
| Cuyahoga County Ohio | 2 | $ 445,000 | $ 222,000 | $ 83,000 |
| Hocking County Ohio | 2 | $ 157,000 | $ 78,000 | $ 17,000 |
| Lake County Ohio | 2 | $ 90,000 | $ 45,000 | $ 127,000 |
| Lawrence County Ohio | 2 | $ 46,000 | $ 23,000 | $ 33,000 |
| Lucas County Ohio | 2 | $ 287,000 | $ 143,000 | $ 82,000 |
| Madison County Ohio | 2 | $ 165,000 | $ 82,000 | $ 71,000 |
| Meigs County Ohio | 2 | $ 262,000 | $ 131,000 | $ 50,000 |
| Muskingum County Ohio | 2 | $ 182,000 | $ 91,000 | $ 36,000 |
| Richland County Ohio | 2 | $ 169,000 | $ 84,000 | $ 38,000 |
| Sandusky County Ohio | 2 | $ 158,000 | $ 79,000 | $ 63,000 |
| Mercer County Pennsylvania | 2 | $ 284,000 | $ 142,000 | $ 54,000 |
| Montgomery County Pennsylvania | 2 | $ 201,000 | $ 100,000 | $ 87,000 |
| York County Pennsylvania | 2 | $ 320,000 | $ 160,000 | $ 66,000 |
| Davidson County Tennessee | 2 | $ 80,000 | $ 40,000 | $ 95,000 |
| Maricopa County Arizona | 1 | $ 58,000 | $ 58,000 | $ 0 |
| Pima County Arizona | 1 | $ 114,000 | $ 114,000 | $ 50,000 |
| Los Angeles County California | 1 | $ 10,000 | $ 10,000 | $ 43,000 |
| New Haven County Connecticut | 1 | $ 61,000 | $ 61,000 | $ 117,000 |
| Broward County Florida | 1 | $ 153,000 | $ 153,000 | $ 0 |
| Collier County Florida | 1 | $ 165,000 | $ 165,000 | $ 105,000 |
| Hernando County Florida | 1 | $ 77,000 | $ 77,000 | $ 64,000 |
| Lake County Florida | 1 | $ 143,000 | $ 143,000 | $ 0 |
| Miami-Dade County Florida | 1 | $ 64,000 | $ 64,000 | $ 28,000 |
| Monroe County Florida | 1 | $ 55,000 | $ 55,000 | $ 32,000 |
| Pasco County Florida | 1 | $ 32,000 | $ 32,000 | $ 0 |
| Pinellas County Florida | 1 | $ 211,000 | $ 211,000 | $ 0 |
| Seminole County Florida | 1 | $ 228,000 | $ 228,000 | $ 0 |
| St. Lucie County Florida | 1 | $ 59,000 | $ 59,000 | $ 29,000 |
| Tattnall County Georgia | 1 | $ 65,000 | $ 65,000 | $ 32,000 |
| Kane County Illinois | 1 | $ 152,000 | $ 152,000 | $ 396,000 |
| Clark County Indiana | 1 | $ 107,000 | $ 107,000 | $ 45,000 |
| Decatur County Indiana | 1 | $ 84,000 | $ 84,000 | $ 61,000 |
| Hamilton County Indiana | 1 | $ 249,000 | $ 249,000 | $ 102,000 |
| Harrison County Indiana | 1 | $ 286,000 | $ 286,000 | $ 23,000 |
| Jasper County Indiana | 1 | $ 92,000 | $ 92,000 | $ 46,000 |
| Washington County Indiana | 1 | $ 132,000 | $ 132,000 | $ 47,000 |
| Wayne County Indiana | 1 | $ 169,000 | $ 169,000 | $ 42,000 |
| Barren County Kentucky | 1 | $ 50,000 | $ 50,000 | $ 60,000 |
| Fayette County Kentucky | 1 | $ 102,000 | $ 102,000 | $ 40,000 |
| Grant County Kentucky | 1 | $ 179,000 | $ 179,000 | $ 146,000 |
| Iosco County Michigan | 1 | $ 111,000 | $ 111,000 | $ 53,000 |
| Oakland County Michigan | 1 | $ 62,000 | $ 62,000 | $ 81,000 |
| Camden County New Jersey | 1 | $ 55,000 | $ 55,000 | $ 100,000 |
| Queens County New York | 1 | $ 120,000 | $ 120,000 | $ 71,000 |
| Erie County Ohio | 1 | $ 67,000 | $ 67,000 | $ 31,000 |
| Gallia County Ohio | 1 | $ 44,000 | $ 44,000 | $ 67,000 |
| Henry County Ohio | 1 | $ 95,000 | $ 95,000 | $ 56,000 |
| Holmes County Ohio | 1 | $ 92,000 | $ 92,000 | $ 28,000 |
| Mahoning County Ohio | 1 | $ 55,000 | $ 55,000 | $ 94,000 |
| Scioto County Ohio | 1 | $ 50,000 | $ 50,000 | $ 22,000 |
| Summit County Ohio | 1 | $ 68,000 | $ 68,000 | $ 73,000 |
| Trumbull County Ohio | 1 | $ 33,000 | $ 33,000 | $ 28,000 |
| Van Wert County Ohio | 1 | $ 51,000 | $ 51,000 | $ 0 |
| Bucks County Pennsylvania | 1 | $ 134,000 | $ 134,000 | $ 77,000 |
| Butler County Pennsylvania | 1 | $ 86,000 | $ 86,000 | $ 41,000 |
| Clarion County Pennsylvania | 1 | $ 146,000 | $ 146,000 | $ 39,000 |
| Lackawanna County Pennsylvania | 1 | $ 148,000 | $ 148,000 | $ 72,000 |
| Lancaster County Pennsylvania | 1 | $ 100,000 | $ 100,000 | $ 79,000 |
| Philadelphia County Pennsylvania | 1 | $ 37,000 | $ 37,000 | $ 19,000 |
| Washington County Pennsylvania | 1 | $ 54,000 | $ 54,000 | $ 38,000 |
| Brooke County West Virginia | 1 | $ 162,000 | $ 162,000 | $ 91,000 |
| Preston County West Virginia | 1 | $ 91,000 | $ 91,000 | $ 43,000 |
Mortgage Loan Application Detail Totals for United Midwest Savings Bank in 2003
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 (home purchase or home improvement, one-to-four family) | 400 | $45,609,000 | $98,357 | $612,000 | $88,071 | $420,000 |
| Home Purchase (one-to-four family) | 212 | $23,201,000 | $105,142 | $556,000 | $42,571 | $266,000 |
| Home Improvement (one-to-four family) | 3 | $34,000 | $11,000 | $19,000 | $57,000 | $110,000 |
| Multifamily dwelling (home purchase, home improvement, and refinancings) | 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 | 499 | $55,160,000 | $96,500 | $612,000 | $82,785 | $420,000 |
| Not applicable | 59 | $8,280,000 | $140,000 | $322,000 | $0 | $0 |
| Information not provided by applicant in mail or telephone application | 46 | $4,264,000 | $88,833 | $250,000 | $57,000 | $129,000 |
| Black | 6 | $430,000 | $67,333 | $113,000 | $39,666 | $65,000 |
| Hispanic | 4 | $685,000 | $171,000 | $364,000 | $51,000 | $78,000 |
| American Indian or Alaskan Native | 1 | $25,000 | $25,000 | $25,000 | $105,000 | $105,000 |
| Asian or Pacific Islander | 0 | $0 | $0 | $0 | $0 | $0 |
| Other | 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) | 614 | $68,630,000 | $94,266 | $612,000 | $82,400 | $420,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 1 | $214,000 | $214,000 | $214,000 | $65,000 | $65,000 |
| VA-guaranteed (Veterans Administration) | 0 | $0 | $0 | $0 | $0 | $0 |
| FHA-insured (Federal Housing 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 | 511 | $55,933,000 | $103,307 | $612,000 | $84,153 | $420,000 |
| Loan Purchased By The Institution | 59 | $8,280,000 | $140,000 | $322,000 | $0 | $0 |
| Application Withdrawn By Applicant | 25 | $2,855,000 | $75,400 | $556,000 | $50,000 | $156,000 |
| Application Denied By Financial Institution | 12 | $879,000 | $80,000 | $148,000 | $43,200 | $105,000 |
| File Closed For Incompleteness | 6 | $725,000 | $113,000 | $248,000 | $68,500 | $144,000 |
| Application Approved But Not Accepted | 2 | $172,000 | $86,000 | $102,000 | $37,000 | $40,000 |
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 |
|---|---|---|---|---|---|---|
| Collateral | 5 | $470,000 | $89,000 | $137,000 | $17,000 | $35,000 |
| Credit History | 5 | $252,000 | $62,750 | $148,000 | $66,750 | $105,000 |
| Employment History | 1 | $92,000 | $92,000 | $92,000 | $28,000 | $28,000 |
| Other | 1 | $65,000 | $65,000 | $65,000 | $36,000 | $36,000 |
| Unverifiable Information | 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 |
| Debt-To-Income Ratio | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into United Midwest Savings Bank's 2003 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 United Midwest Savings Bank'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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