United Midwest Savings Bank Mortgage Lending & HMDA Data, 2010
In 2010, United Midwest Savings Bank of Degraff, OH reported 980 mortgage applications totaling $113.8 million, up 153% from 2009. The average application was for $116,138, and applicants reported an average income of $22,662. 9% of its applications resulted in an originated loan and 2% were denied. Its largest markets were Houston-Sugar Land-Baytown, TX (64), Dallas-Plano-Irving, TX (39) and Edison-New Brunswick, NJ (24) (applications in parentheses).
| 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 | 980 |
| Total Mortgage Loan Application Amount | $113,816,000 |
| Average Mortgage Loan Application Amount | $116,138 |
| Highest Mortgage Loan Application Amount | $663,000 |
| Average Applicant Income | $22,662 |
| Highest Applicant Income | $850,000 |
About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records United Midwest Savings Bank filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 |
|---|---|---|---|---|
| Houston-Sugar Land-Baytown, TX | 64 | $ 7,625,000 | $ 119,140 | $ 39,000 |
| Dallas-Plano-Irving, TX | 39 | $ 4,635,000 | $ 118,846 | $ 19,000 |
| Edison-New Brunswick, NJ | 24 | $ 3,398,000 | $ 141,583 | $ 16,000 |
| Camden, NJ | 23 | $ 2,847,000 | $ 123,782 | $ 8,000 |
| Pittsburgh, PA | 21 | $ 1,531,000 | $ 72,904 | $ 16,000 |
| New York-White Plains-Wayne, NY-NJ | 20 | $ 3,963,000 | $ 198,150 | $ 17,250 |
| Philadelphia, PA | 20 | $ 1,963,000 | $ 98,150 | $ 47,000 |
| San Antonio-New Braunfels, TX | 20 | $ 2,035,000 | $ 101,750 | $ 31,000 |
| Fort Worth-Arlington, TX | 19 | $ 2,312,000 | $ 121,684 | $ 22,000 |
| New Orleans-Metairie-Kenner, LA | 19 | $ 1,810,000 | $ 95,263 | $ 26,000 |
| Raleigh-Cary, NC | 17 | $ 2,148,000 | $ 126,352 | $ 12,000 |
| Nassau-Suffolk, NY | 16 | $ 2,882,000 | $ 180,125 | $ 26,000 |
| Newark-Union, NJ-PA | 16 | $ 3,165,000 | $ 197,812 | $ 27,000 |
| Baltimore-Towson, MD | 14 | $ 1,700,000 | $ 121,428 | $ 18,000 |
| Charlotte-Gastonia-Rock Hill, NC-SC | 14 | $ 1,720,000 | $ 122,857 | $ 9,000 |
| Buffalo-Niagara Falls, NY | 13 | $ 1,155,000 | $ 88,846 | $ 17,000 |
| Asheville, NC | 12 | $ 1,198,000 | $ 99,833 | $ 9,000 |
| Austin-Round Rock-San Marcos, TX | 12 | $ 1,277,000 | $ 106,416 | $ 19,000 |
| Cincinnati-Middletown, OH-KY-IN | 12 | $ 1,146,000 | $ 95,500 | $ 15,833 |
| Huntington-Ashland, WV-KY-OH | 9 | $ 559,000 | $ 62,111 | $ 7,777 |
| Poughkeepsie-Newburgh-Middletown, NY | 9 | $ 1,364,000 | $ 151,555 | $ 41,000 |
| Syracuse, NY | 9 | $ 896,000 | $ 99,555 | $ 15,000 |
| Baton Rouge, LA | 8 | $ 841,000 | $ 105,125 | $ 9,000 |
| Bethesda-Rockville-Frederick, MD | 8 | $ 1,054,000 | $ 131,750 | $ 4,000 |
| Charleston, WV | 8 | $ 680,000 | $ 85,000 | $ 17,000 |
| Cleveland-Elyria-Mentor, OH | 8 | $ 782,000 | $ 97,750 | $ 4,000 |
| Dayton, OH | 8 | $ 810,000 | $ 101,250 | $ 0 |
| Greensboro-High Point, NC | 8 | $ 995,000 | $ 124,375 | $ 12,000 |
| Rochester, NY | 8 | $ 738,000 | $ 92,250 | $ 20,000 |
| Allentown-Bethlehem-Easton, PA-NJ | 7 | $ 726,000 | $ 103,714 | $ 6,857 |
| Boston-Quincy, MA | 7 | $ 682,000 | $ 97,428 | $ 45,000 |
| Columbus, OH | 7 | $ 805,000 | $ 115,000 | $ 37,000 |
| Lafayette, LA | 7 | $ 881,000 | $ 125,857 | $ 17,000 |
| Scranton--Wilkes-Barre, PA | 7 | $ 691,000 | $ 98,714 | $ 17,000 |
| Albany-Schenectady-Troy, NY | 6 | $ 855,000 | $ 142,500 | $ 0 |
| Atlantic City-Hammonton, NJ | 6 | $ 611,000 | $ 101,833 | $ 38,000 |
| Beaumont-Port Arthur, TX | 6 | $ 771,000 | $ 128,500 | $ 52,000 |
| Houma-Bayou Cane-Thibodaux, LA | 6 | $ 725,000 | $ 120,833 | $ 6,000 |
| Louisville-Jefferson County, KY-IN | 6 | $ 587,000 | $ 97,833 | $ 0 |
| Wichita, KS | 6 | $ 665,000 | $ 110,833 | $ 0 |
| Chicago-Joliet-Naperville, IL | 5 | $ 978,000 | $ 195,600 | $ 0 |
| Durham-Chapel Hill, NC | 5 | $ 602,000 | $ 120,400 | $ 51,000 |
| Hagerstown-Martinsburg, MD-WV | 5 | $ 528,000 | $ 105,600 | $ 36,000 |
| Lubbock, TX | 5 | $ 531,000 | $ 106,200 | $ 0 |
| McAllen-Edinburg-Mission, TX | 5 | $ 533,000 | $ 106,600 | $ 27,000 |
| Providence-New Bedford-Fall River, RI-MA | 5 | $ 586,000 | $ 117,200 | $ 9,000 |
| Shreveport-Bossier City, LA | 5 | $ 571,000 | $ 114,200 | $ 26,000 |
| Washington-Arlington-Alexandria, DC-VA-MD-WV | 5 | $ 645,000 | $ 129,000 | $ 20,000 |
| Wilmington, NC | 5 | $ 1,208,000 | $ 241,600 | $ 45,000 |
| York-Hanover, PA | 5 | $ 448,000 | $ 89,600 | $ 22,000 |
| Youngstown-Warren-Boardman, OH-PA | 5 | $ 336,000 | $ 67,200 | $ 181,800 |
| Binghamton, NY | 4 | $ 424,000 | $ 106,000 | $ 15,000 |
| Brownsville-Harlingen, TX | 4 | $ 354,000 | $ 88,500 | $ 0 |
| Corpus Christi, TX | 4 | $ 511,000 | $ 127,750 | $ 64,000 |
| El Paso, TX | 4 | $ 438,000 | $ 109,500 | $ 11,000 |
| Erie, PA | 4 | $ 394,000 | $ 98,500 | $ 24,000 |
| Glens Falls, NY | 4 | $ 569,000 | $ 142,250 | $ 9,000 |
| Harrisburg-Carlisle, PA | 4 | $ 336,000 | $ 84,000 | $ 7,000 |
| Indianapolis-Carmel, IN | 4 | $ 294,000 | $ 73,500 | $ 12,000 |
| Lancaster, PA | 4 | $ 373,000 | $ 93,250 | $ 0 |
| Trenton-Ewing, NJ | 4 | $ 364,000 | $ 91,000 | $ 11,000 |
| Abilene, TX | 3 | $ 243,000 | $ 81,000 | $ 42,000 |
| Cambridge-Newton-Framingham, MA | 3 | $ 710,000 | $ 236,666 | $ 38,000 |
| Columbia, SC | 3 | $ 312,000 | $ 104,000 | $ 10,000 |
| Fayetteville, NC | 3 | $ 399,000 | $ 133,000 | $ 82,000 |
| Killeen-Temple-Fort Hood, TX | 3 | $ 257,000 | $ 85,666 | $ 18,000 |
| Lake Charles, LA | 3 | $ 254,000 | $ 84,666 | $ 0 |
| Lexington-Fayette, KY | 3 | $ 384,000 | $ 128,000 | $ 21,000 |
| Milwaukee-Waukesha-West Allis, WI | 3 | $ 414,000 | $ 138,000 | $ 0 |
| Ocean City, NJ | 3 | $ 293,000 | $ 97,666 | $ 46,000 |
| Parkersburg-Marietta-Vienna, WV-OH | 3 | $ 213,000 | $ 71,000 | $ 51,000 |
| Racine, WI | 3 | $ 188,000 | $ 62,666 | $ 16,000 |
| Sherman-Denison, TX | 3 | $ 276,000 | $ 92,000 | $ 0 |
| Spartanburg, SC | 3 | $ 218,000 | $ 72,666 | $ 0 |
| Springfield, OH | 3 | $ 239,000 | $ 79,666 | $ 39,000 |
| Toledo, OH | 3 | $ 370,000 | $ 123,333 | $ 0 |
| Vineland-Millville-Bridgeton, NJ | 3 | $ 347,000 | $ 115,666 | $ 54,000 |
| Waco, TX | 3 | $ 244,000 | $ 81,333 | $ 95,000 |
| Wheeling, WV-OH | 3 | $ 294,000 | $ 98,000 | $ 0 |
| Wichita Falls, TX | 3 | $ 183,000 | $ 61,000 | $ 0 |
| Williamsport, PA | 3 | $ 254,000 | $ 84,666 | $ 19,000 |
| Wilmington, DE-MD-NJ | 3 | $ 311,000 | $ 103,666 | $ 0 |
| Atlanta-Sandy Springs-Marietta, GA | 2 | $ 270,000 | $ 135,000 | $ 0 |
| Augusta-Richmond County, GA-SC | 2 | $ 115,000 | $ 57,500 | $ 0 |
| Bend, OR | 2 | $ 190,000 | $ 95,000 | $ 23,000 |
| Billings, MT | 2 | $ 243,000 | $ 121,500 | $ 18,000 |
| Green Bay, WI | 2 | $ 233,000 | $ 116,500 | $ 48,000 |
| Hartford-West Hartford-East Hartford, CT | 2 | $ 175,000 | $ 87,500 | $ 17,000 |
| Hickory-Lenoir-Morganton, NC | 2 | $ 332,000 | $ 166,000 | $ 0 |
| Kansas City, MO-KS | 2 | $ 147,000 | $ 73,500 | $ 0 |
| Laredo, TX | 2 | $ 180,000 | $ 90,000 | $ 0 |
| Las Vegas-Paradise, NV | 2 | $ 194,000 | $ 97,000 | $ 0 |
| Longview, TX | 2 | $ 181,000 | $ 90,500 | $ 20,000 |
| Minneapolis-St. Paul-Bloomington, MN-WI | 2 | $ 185,000 | $ 92,500 | $ 0 |
| Missoula, MT | 2 | $ 168,000 | $ 84,000 | $ 47,000 |
| Muncie, IN | 2 | $ 219,000 | $ 109,500 | $ 77,000 |
| Peabody, MA | 2 | $ 228,000 | $ 114,000 | $ 0 |
| Portland-Vancouver-Hillsboro, OR-WA | 2 | $ 315,000 | $ 157,500 | $ 24,000 |
| Salt Lake City, UT | 2 | $ 311,000 | $ 155,500 | $ 0 |
| Sheboygan, WI | 2 | $ 496,000 | $ 248,000 | $ 51,000 |
| Springfield, MA | 2 | $ 426,000 | $ 213,000 | $ 0 |
| Utica-Rome, NY | 2 | $ 170,000 | $ 85,000 | $ 0 |
| Victoria, TX | 2 | $ 199,000 | $ 99,500 | $ 25,000 |
| Virginia Beach-Norfolk-Newport News, VA-NC | 2 | $ 225,000 | $ 112,500 | $ 38,000 |
| Winston-Salem, NC | 2 | $ 253,000 | $ 126,500 | $ 17,000 |
| Akron, OH | 1 | $ 92,000 | $ 92,000 | $ 0 |
| Alexandria, LA | 1 | $ 54,000 | $ 54,000 | $ 30,000 |
| Altoona, PA | 1 | $ 65,000 | $ 65,000 | $ 0 |
| Amarillo, TX | 1 | $ 85,000 | $ 85,000 | $ 0 |
| Appleton, WI | 1 | $ 100,000 | $ 100,000 | $ 0 |
| Bangor, ME | 1 | $ 113,000 | $ 113,000 | $ 0 |
| Barnstable Town, MA | 1 | $ 263,000 | $ 263,000 | $ 48,000 |
| Boise City-Nampa, ID | 1 | $ 135,000 | $ 135,000 | $ 0 |
| Burlington, NC | 1 | $ 134,000 | $ 134,000 | $ 0 |
| Canton-Massillon, OH | 1 | $ 240,000 | $ 240,000 | $ 0 |
| Carson City, NV | 1 | $ 125,000 | $ 125,000 | $ 0 |
| Clarksville, TN-KY | 1 | $ 59,000 | $ 59,000 | $ 0 |
| Coeur D'Alene, ID | 1 | $ 85,000 | $ 85,000 | $ 0 |
| College Station-Bryan, TX | 1 | $ 98,000 | $ 98,000 | $ 60,000 |
| Denver-Aurora-Broomfield, CO | 1 | $ 75,000 | $ 75,000 | $ 0 |
| Eugene-Springfield, OR | 1 | $ 90,000 | $ 90,000 | $ 0 |
| Fort Collins-Loveland, CO | 1 | $ 230,000 | $ 230,000 | $ 0 |
| Grand Forks, ND-MN | 1 | $ 150,000 | $ 150,000 | $ 0 |
| Great Falls, MT | 1 | $ 150,000 | $ 150,000 | $ 0 |
| Greeley, CO | 1 | $ 133,000 | $ 133,000 | $ 0 |
| Greenville, NC | 1 | $ 216,000 | $ 216,000 | $ 0 |
| Greenville-Mauldin-Easley, SC | 1 | $ 62,000 | $ 62,000 | $ 0 |
| Jacksonville, FL | 1 | $ 100,000 | $ 100,000 | $ 0 |
| Kalamazoo-Portage, MI | 1 | $ 50,000 | $ 50,000 | $ 0 |
| Kennewick-Pasco-Richland, WA | 1 | $ 154,000 | $ 154,000 | $ 0 |
| Las Cruces, NM | 1 | $ 133,000 | $ 133,000 | $ 60,000 |
| Lewiston-Auburn, ME | 1 | $ 114,000 | $ 114,000 | $ 80,000 |
| Little Rock-North Little Rock-Conway, AR | 1 | $ 102,000 | $ 102,000 | $ 0 |
| Logan, UT-ID | 1 | $ 224,000 | $ 224,000 | $ 0 |
| Los Angeles-Long Beach-Glendale, CA | 1 | $ 663,000 | $ 663,000 | $ 0 |
| Madison, WI | 1 | $ 92,000 | $ 92,000 | $ 36,000 |
| Mansfield, OH | 1 | $ 216,000 | $ 216,000 | $ 0 |
| Medford, OR | 1 | $ 50,000 | $ 50,000 | $ 0 |
| Midland, TX | 1 | $ 80,000 | $ 80,000 | $ 0 |
| Monroe, LA | 1 | $ 142,000 | $ 142,000 | $ 0 |
| New Haven-Milford, CT | 1 | $ 79,000 | $ 79,000 | $ 0 |
| Orlando-Kissimmee-Sanford, FL | 1 | $ 280,000 | $ 280,000 | $ 90,000 |
| Oshkosh-Neenah, WI | 1 | $ 69,000 | $ 69,000 | $ 0 |
| Reading, PA | 1 | $ 150,000 | $ 150,000 | $ 0 |
| Reno-Sparks, NV | 1 | $ 122,000 | $ 122,000 | $ 0 |
| Sacramento--Arden-Arcade--Roseville, CA | 1 | $ 107,000 | $ 107,000 | $ 0 |
| Seattle-Bellevue-Everett, WA | 1 | $ 117,000 | $ 117,000 | $ 127,000 |
| Spokane, WA | 1 | $ 308,000 | $ 308,000 | $ 0 |
| State College, PA | 1 | $ 68,000 | $ 68,000 | $ 0 |
| Steubenville-Weirton, OH-WV | 1 | $ 104,000 | $ 104,000 | $ 0 |
| Tampa-St. Petersburg-Clearwater, FL | 1 | $ 48,000 | $ 48,000 | $ 34,000 |
| Topeka, KS | 1 | $ 100,000 | $ 100,000 | $ 0 |
| Tyler, TX | 1 | $ 25,000 | $ 25,000 | $ 0 |
| Warren-Troy-Farmington Hills, MI | 1 | $ 78,000 | $ 78,000 | $ 172,000 |
| Wausau, WI | 1 | $ 66,000 | $ 66,000 | $ 0 |
| Worcester, MA | 1 | $ 118,000 | $ 118,000 | $ 0 |
Mortgage Loan Application Detail Totals for United Midwest Savings Bank in 2010
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 | 969 | $111,974,000 | $115,000 | $663,000 | $22,000 | $850,000 |
| Home Purchase | 11 | $1,842,000 | $167,000 | $420,000 | $81,000 | $342,000 |
| 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 |
|---|---|---|---|---|---|---|
| Not Provided | 631 | $73,977,000 | $117,000 | $663,000 | $0 | $342,000 |
| White | 316 | $36,198,000 | $114,000 | $466,000 | $63,000 | $850,000 |
| Black or African American | 18 | $1,871,000 | $103,000 | $335,000 | $66,000 | $123,000 |
| Hispanic | 13 | $1,487,000 | $114,000 | $268,000 | $61,000 | $189,000 |
| Asian | 2 | $283,000 | $141,000 | $198,000 | $28,000 | $56,000 |
| American Indian or Alaskan Native | 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 |
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) | 902 | $102,670,000 | $113,000 | $663,000 | $23,000 | $850,000 |
| FHA-insured (Federal Housing Administration) | 77 | $11,045,000 | $143,000 | $524,000 | $18,000 | $140,000 |
| VA-guaranteed (Veterans Administration) | 1 | $101,000 | $101,000 | $101,000 | $0 | $0 |
| 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 |
|---|---|---|---|---|---|---|
| File Closed For Incompleteness | 833 | $96,457,000 | $115,000 | $663,000 | $13,000 | $342,000 |
| Loan Originated | 93 | $11,179,000 | $120,000 | $417,000 | $84,000 | $850,000 |
| Application Withdrawn By Applicant | 31 | $3,711,000 | $119,000 | $417,000 | $67,000 | $162,000 |
| Application Denied By Financial Institution | 20 | $2,249,000 | $112,000 | $335,000 | $64,000 | $163,000 |
| Application Approved But Not Accepted | 3 | $220,000 | $73,000 | $122,000 | $38,000 | $60,000 |
| 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 |
|---|---|---|---|---|---|---|
| Collateral | 14 | $1,706,000 | $121,000 | $335,000 | $65,000 | $163,000 |
| Credit History | 4 | $293,000 | $73,000 | $98,000 | $65,000 | $117,000 |
| Debt-To-Income Ratio | 1 | $185,000 | $185,000 | $185,000 | $36,000 | $36,000 |
| Other | 1 | $65,000 | $65,000 | $65,000 | $63,000 | $63,000 |
| Unverifiable Information | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit Application Incomplete | 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 United Midwest Savings Bank's 2010 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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