Universal Savings Bank FA Mortgage Lending & HMDA Data, 2007
In 2007, Universal Savings Bank FA of Milwaukee, WI reported 466 mortgage applications totaling $84.8 million, down 95% from 2006. The average application was for $182,000, and applicants reported an average income of $77,047. 0% of its applications resulted in an originated loan and 0% were denied. Its largest markets were Columbus, OH (51), Huntsville, AL (33) and San Angelo, TX (31) (applications in parentheses).
| Mortgage Company & Address | Universal Savings Bank FA 754 N 4th Street Milwaukee, WI 53204 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2007 2006 2005 2004 2003 |
| Total Number of Mortgage Applications | 466 |
| Total Mortgage Loan Application Amount | $84,812,000 |
| Average Mortgage Loan Application Amount | $182,000 |
| Highest Mortgage Loan Application Amount | $410,000 |
| Average Applicant Income | $77,047 |
| Highest Applicant Income | $1,292,000 |
About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records Universal Savings Bank FA filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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.
| County | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loans Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Tom Green, Texas | 31 | $ 3,846,000 | $ 124,064 | $ 56,000 |
| Madison, Alabama | 28 | $ 4,719,000 | $ 168,535 | $ 68,000 |
| Tuscaloosa, Alabama | 27 | $ 4,900,000 | $ 181,481 | $ 73,000 |
| Franklin, Ohio | 23 | $ 4,127,000 | $ 179,434 | $ 74,000 |
| Licking, Ohio | 19 | $ 3,249,000 | $ 171,000 | $ 76,000 |
| Jefferson, Alabama | 13 | $ 2,002,000 | $ 154,000 | $ 74,000 |
| Morgan, Alabama | 12 | $ 1,918,000 | $ 159,833 | $ 68,000 |
| Denver, Colorado | 10 | $ 1,838,000 | $ 183,800 | $ 52,000 |
| Montgomery, Alabama | 8 | $ 1,722,000 | $ 215,250 | $ 79,000 |
| Shelby, Alabama | 8 | $ 1,673,000 | $ 209,125 | $ 86,000 |
| Boulder, Colorado | 8 | $ 1,886,000 | $ 235,750 | $ 76,000 |
| New Castle, Delaware | 7 | $ 1,682,000 | $ 240,285 | $ 80,000 |
| Polk, Iowa | 7 | $ 1,166,000 | $ 166,571 | $ 65,000 |
| Stark, Ohio | 7 | $ 983,000 | $ 140,428 | $ 55,000 |
| Waukesha, Wisconsin | 7 | $ 1,616,000 | $ 230,857 | $ 86,000 |
| Larimer, Colorado | 6 | $ 972,000 | $ 162,000 | $ 64,000 |
| Cass, North Dakota | 6 | $ 1,077,000 | $ 179,500 | $ 83,000 |
| Limestone, Alabama | 5 | $ 747,000 | $ 149,400 | $ 78,000 |
| Marshall, Alabama | 5 | $ 751,000 | $ 150,200 | $ 63,000 |
| Cook, Illinois | 5 | $ 1,162,000 | $ 232,400 | $ 72,000 |
| Cuyahoga, Ohio | 5 | $ 956,000 | $ 191,200 | $ 313,000 |
| Blount, Alabama | 4 | $ 648,000 | $ 162,000 | $ 70,000 |
| McLean, Illinois | 4 | $ 807,000 | $ 201,750 | $ 85,000 |
| St. Charles, Missouri | 4 | $ 905,000 | $ 226,250 | $ 67,000 |
| Jefferson, New York | 4 | $ 858,000 | $ 214,500 | $ 64,000 |
| Delaware, Ohio | 4 | $ 831,000 | $ 207,750 | $ 113,000 |
| Hamilton, Ohio | 4 | $ 697,000 | $ 174,250 | $ 66,000 |
| Medina, Ohio | 4 | $ 729,000 | $ 182,250 | $ 87,000 |
| Summit, Ohio | 4 | $ 1,041,000 | $ 260,250 | $ 124,000 |
| Milwaukee, Wisconsin | 4 | $ 680,000 | $ 170,000 | $ 69,000 |
| Lauderdale, Alabama | 3 | $ 364,000 | $ 121,333 | $ 69,000 |
| White, Arkansas | 3 | $ 446,000 | $ 148,666 | $ 86,000 |
| Adams, Colorado | 3 | $ 470,000 | $ 156,666 | $ 56,000 |
| Will, Illinois | 3 | $ 748,000 | $ 249,333 | $ 92,000 |
| Hennepin, Minnesota | 3 | $ 835,000 | $ 278,333 | $ 92,000 |
| Clark, Nevada | 3 | $ 849,000 | $ 283,000 | $ 115,000 |
| Merrimack, New Hampshire | 3 | $ 780,000 | $ 260,000 | $ 67,000 |
| Rutherford, Tennessee | 3 | $ 487,000 | $ 162,333 | $ 67,000 |
| Chittenden, Vermont | 3 | $ 702,000 | $ 234,000 | $ 111,000 |
| Baldwin, Alabama | 2 | $ 251,000 | $ 125,500 | $ 115,000 |
| Cullman, Alabama | 2 | $ 325,000 | $ 162,500 | $ 105,000 |
| Elmore, Alabama | 2 | $ 319,000 | $ 159,500 | $ 61,000 |
| Lee, Alabama | 2 | $ 422,000 | $ 211,000 | $ 60,000 |
| Pinal, Arizona | 2 | $ 204,000 | $ 102,000 | $ 38,000 |
| Lake, Florida | 2 | $ 419,000 | $ 209,500 | $ 45,000 |
| Pasco, Florida | 2 | $ 386,000 | $ 193,000 | $ 70,000 |
| Champaign, Illinois | 2 | $ 412,000 | $ 206,000 | $ 81,000 |
| LaSalle, Illinois | 2 | $ 328,000 | $ 164,000 | $ 340,000 |
| Barnstable, Massachusetts | 2 | $ 548,000 | $ 274,000 | $ 99,000 |
| Scott, Minnesota | 2 | $ 476,000 | $ 238,000 | $ 56,000 |
| St. Louis, Minnesota | 2 | $ 293,000 | $ 146,500 | $ 65,000 |
| St. Louis, Missouri | 2 | $ 471,000 | $ 235,500 | $ 70,000 |
| Fairfield, Ohio | 2 | $ 330,000 | $ 165,000 | $ 68,000 |
| Lorain, Ohio | 2 | $ 487,000 | $ 243,500 | $ 122,000 |
| Richland, Ohio | 2 | $ 415,000 | $ 207,500 | $ 80,000 |
| Davidson, Tennessee | 2 | $ 269,000 | $ 134,500 | $ 70,000 |
| Lincoln, Tennessee | 2 | $ 409,000 | $ 204,500 | $ 79,000 |
| Robertson, Tennessee | 2 | $ 202,000 | $ 101,000 | $ 45,000 |
| Sumner, Tennessee | 2 | $ 327,000 | $ 163,500 | $ 45,000 |
| Lamoille, Vermont | 2 | $ 392,000 | $ 196,000 | $ 97,000 |
| Pierce, Washington | 2 | $ 530,000 | $ 265,000 | $ 126,000 |
| Autauga, Alabama | 1 | $ 177,000 | $ 177,000 | $ 91,000 |
| Calhoun, Alabama | 1 | $ 307,000 | $ 307,000 | $ 100,000 |
| Coosa, Alabama | 1 | $ 82,000 | $ 82,000 | $ 50,000 |
| DeKalb, Alabama | 1 | $ 380,000 | $ 380,000 | $ 396,000 |
| Greene, Alabama | 1 | $ 153,000 | $ 153,000 | $ 98,000 |
| Hale, Alabama | 1 | $ 193,000 | $ 193,000 | $ 76,000 |
| Houston, Alabama | 1 | $ 196,000 | $ 196,000 | $ 60,000 |
| Lawrence, Alabama | 1 | $ 142,000 | $ 142,000 | $ 59,000 |
| Pickens, Alabama | 1 | $ 123,000 | $ 123,000 | $ 59,000 |
| St. Clair, Alabama | 1 | $ 90,000 | $ 90,000 | $ 64,000 |
| Talladega, Alabama | 1 | $ 104,000 | $ 104,000 | $ 94,000 |
| Walker, Alabama | 1 | $ 181,000 | $ 181,000 | $ 61,000 |
| Fresno, California | 1 | $ 225,000 | $ 225,000 | $ 60,000 |
| Riverside, California | 1 | $ 333,000 | $ 333,000 | $ 64,000 |
| Douglas, Colorado | 1 | $ 295,000 | $ 295,000 | $ 70,000 |
| Jefferson, Colorado | 1 | $ 208,000 | $ 208,000 | $ 133,000 |
| Summit, Colorado | 1 | $ 122,000 | $ 122,000 | $ 46,000 |
| Weld, Colorado | 1 | $ 260,000 | $ 260,000 | $ 120,000 |
| Kent, Delaware | 1 | $ 300,000 | $ 300,000 | $ 92,000 |
| District of Columbia, District Of Columbia | 1 | $ 332,000 | $ 332,000 | $ 75,000 |
| Citrus, Florida | 1 | $ 91,000 | $ 91,000 | $ 59,000 |
| Duval, Florida | 1 | $ 80,000 | $ 80,000 | $ 38,000 |
| Hillsborough, Florida | 1 | $ 299,000 | $ 299,000 | $ 88,000 |
| Martin, Florida | 1 | $ 290,000 | $ 290,000 | $ 102,000 |
| St. Johns, Florida | 1 | $ 90,000 | $ 90,000 | $ 25,000 |
| Bacon, Georgia | 1 | $ 80,000 | $ 80,000 | $ 24,000 |
| Camden, Georgia | 1 | $ 141,000 | $ 141,000 | $ 70,000 |
| Clarke, Georgia | 1 | $ 127,000 | $ 127,000 | $ 155,000 |
| Jeff Davis, Georgia | 1 | $ 80,000 | $ 80,000 | $ 46,000 |
| Coles, Illinois | 1 | $ 108,000 | $ 108,000 | $ 67,000 |
| Douglas, Illinois | 1 | $ 87,000 | $ 87,000 | $ 77,000 |
| DuPage, Illinois | 1 | $ 210,000 | $ 210,000 | $ 48,000 |
| Ford, Illinois | 1 | $ 104,000 | $ 104,000 | $ 67,000 |
| Kane, Illinois | 1 | $ 249,000 | $ 249,000 | $ 54,000 |
| Lake, Indiana | 1 | $ 245,000 | $ 245,000 | $ 97,000 |
| Poweshiek, Iowa | 1 | $ 209,000 | $ 209,000 | $ 89,000 |
| Story, Iowa | 1 | $ 156,000 | $ 156,000 | $ 36,000 |
| Warren, Iowa | 1 | $ 89,000 | $ 89,000 | $ 91,000 |
| Boone, Kentucky | 1 | $ 64,000 | $ 64,000 | $ 0 |
| Berkshire, Massachusetts | 1 | $ 214,000 | $ 214,000 | $ 70,000 |
| Kent, Michigan | 1 | $ 217,000 | $ 217,000 | $ 109,000 |
| Livingston, Michigan | 1 | $ 240,000 | $ 240,000 | $ 47,000 |
| Macomb, Michigan | 1 | $ 328,000 | $ 328,000 | $ 113,000 |
| Oakland, Michigan | 1 | $ 104,000 | $ 104,000 | $ 75,000 |
| St. Clair, Michigan | 1 | $ 98,000 | $ 98,000 | $ 35,000 |
| Wayne, Michigan | 1 | $ 76,000 | $ 76,000 | $ 26,000 |
| Anoka, Minnesota | 1 | $ 266,000 | $ 266,000 | $ 65,000 |
| Carlton, Minnesota | 1 | $ 278,000 | $ 278,000 | $ 85,000 |
| Dakota, Minnesota | 1 | $ 246,000 | $ 246,000 | $ 117,000 |
| Pine, Minnesota | 1 | $ 359,000 | $ 359,000 | $ 111,000 |
| Wright, Minnesota | 1 | $ 227,000 | $ 227,000 | $ 44,000 |
| Camden, Missouri | 1 | $ 174,000 | $ 174,000 | $ 40,000 |
| Cole, Missouri | 1 | $ 238,000 | $ 238,000 | $ 102,000 |
| Moniteau, Missouri | 1 | $ 140,000 | $ 140,000 | $ 55,000 |
| Pemiscot, Missouri | 1 | $ 163,000 | $ 163,000 | $ 94,000 |
| St. Louis City, Missouri | 1 | $ 127,000 | $ 127,000 | $ 43,000 |
| Carbon, Montana | 1 | $ 164,000 | $ 164,000 | $ 88,000 |
| Hillsborough, New Hampshire | 1 | $ 269,000 | $ 269,000 | $ 51,000 |
| Oswego, New York | 1 | $ 136,000 | $ 136,000 | $ 0 |
| Mecklenburg, North Carolina | 1 | $ 267,000 | $ 267,000 | $ 53,000 |
| Moore, North Carolina | 1 | $ 253,000 | $ 253,000 | $ 92,000 |
| Rowan, North Carolina | 1 | $ 79,000 | $ 79,000 | $ 49,000 |
| Adams, Ohio | 1 | $ 147,000 | $ 147,000 | $ 62,000 |
| Butler, Ohio | 1 | $ 143,000 | $ 143,000 | $ 42,000 |
| Highland, Ohio | 1 | $ 253,000 | $ 253,000 | $ 98,000 |
| Knox, Ohio | 1 | $ 160,000 | $ 160,000 | $ 69,000 |
| Lake, Ohio | 1 | $ 199,000 | $ 199,000 | $ 60,000 |
| Logan, Ohio | 1 | $ 270,000 | $ 270,000 | $ 132,000 |
| Madison, Ohio | 1 | $ 193,000 | $ 193,000 | $ 139,000 |
| Perry, Ohio | 1 | $ 189,000 | $ 189,000 | $ 124,000 |
| Pickaway, Ohio | 1 | $ 223,000 | $ 223,000 | $ 65,000 |
| Ross, Ohio | 1 | $ 160,000 | $ 160,000 | $ 94,000 |
| Tuscarawas, Ohio | 1 | $ 163,000 | $ 163,000 | $ 73,000 |
| Union, Ohio | 1 | $ 244,000 | $ 244,000 | $ 98,000 |
| Wayne, Ohio | 1 | $ 152,000 | $ 152,000 | $ 85,000 |
| Carbon, Pennsylvania | 1 | $ 140,000 | $ 140,000 | $ 39,000 |
| Pike, Pennsylvania | 1 | $ 99,000 | $ 99,000 | $ 53,000 |
| Beaufort, South Carolina | 1 | $ 314,000 | $ 314,000 | $ 84,000 |
| Dorchester, South Carolina | 1 | $ 102,000 | $ 102,000 | $ 34,000 |
| Blount, Tennessee | 1 | $ 109,000 | $ 109,000 | $ 42,000 |
| Coffee, Tennessee | 1 | $ 70,000 | $ 70,000 | $ 26,000 |
| Giles, Tennessee | 1 | $ 133,000 | $ 133,000 | $ 103,000 |
| Lawrence, Tennessee | 1 | $ 81,000 | $ 81,000 | $ 46,000 |
| Williamson, Tennessee | 1 | $ 141,000 | $ 141,000 | $ 73,000 |
| Bexar, Texas | 1 | $ 170,000 | $ 170,000 | $ 102,000 |
| Coke, Texas | 1 | $ 83,000 | $ 83,000 | $ 54,000 |
| Fort Bend, Texas | 1 | $ 218,000 | $ 218,000 | $ 210,000 |
| Galveston, Texas | 1 | $ 107,000 | $ 107,000 | $ 44,000 |
| Haskell, Texas | 1 | $ 160,000 | $ 160,000 | $ 90,000 |
| Hunt, Texas | 1 | $ 108,000 | $ 108,000 | $ 95,000 |
| Johnson, Texas | 1 | $ 176,000 | $ 176,000 | $ 75,000 |
| McCulloch, Texas | 1 | $ 133,000 | $ 133,000 | $ 53,000 |
| Parker, Texas | 1 | $ 170,000 | $ 170,000 | $ 100,000 |
| Runnels, Texas | 1 | $ 102,000 | $ 102,000 | $ 31,000 |
| Tarrant, Texas | 1 | $ 285,000 | $ 285,000 | $ 155,000 |
| Taylor, Texas | 1 | $ 228,000 | $ 228,000 | $ 87,000 |
| Uvalde, Texas | 1 | $ 130,000 | $ 130,000 | $ 71,000 |
| Chesterfield, Virginia | 1 | $ 243,000 | $ 243,000 | $ 37,000 |
| Colonial Heights, Virginia | 1 | $ 105,000 | $ 105,000 | $ 53,000 |
| Fauquier, Virginia | 1 | $ 307,000 | $ 307,000 | $ 102,000 |
| Hampton, Virginia | 1 | $ 294,000 | $ 294,000 | $ 94,000 |
| James City, Virginia | 1 | $ 344,000 | $ 344,000 | $ 132,000 |
| Manassas, Virginia | 1 | $ 383,000 | $ 383,000 | $ 111,000 |
| Newport News, Virginia | 1 | $ 155,000 | $ 155,000 | $ 0 |
| Suffolk, Virginia | 1 | $ 302,000 | $ 302,000 | $ 86,000 |
| King, Washington | 1 | $ 235,000 | $ 235,000 | $ 71,000 |
| Kittitas, Washington | 1 | $ 150,000 | $ 150,000 | $ 51,000 |
| Snohomish, Washington | 1 | $ 288,000 | $ 288,000 | $ 48,000 |
| Yakima, Washington | 1 | $ 116,000 | $ 116,000 | $ 22,000 |
| Jefferson, Wisconsin | 1 | $ 128,000 | $ 128,000 | $ 59,000 |
| Ozaukee, Wisconsin | 1 | $ 152,000 | $ 152,000 | $ 81,000 |
| Racine, Wisconsin | 1 | $ 106,000 | $ 106,000 | $ 44,000 |
Mortgage Loan Application Detail Totals for Universal Savings Bank FA 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 |
|---|---|---|---|---|---|---|
| Home Purchase | 318 | $56,666,000 | $178,000 | $398,000 | $78,000 | $1,292,000 |
| Refinancing | 148 | $28,146,000 | $190,000 | $410,000 | $75,000 | $214,000 |
| 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 | 398 | $70,832,000 | $177,000 | $410,000 | $78,000 | $1,292,000 |
| Black or African American | 26 | $5,555,000 | $213,000 | $396,000 | $73,000 | $132,000 |
| Hispanic | 18 | $3,486,000 | $193,000 | $380,000 | $63,000 | $121,000 |
| Not Provided | 16 | $3,369,000 | $210,000 | $400,000 | $92,000 | $214,000 |
| Asian | 7 | $1,362,000 | $194,000 | $288,000 | $65,000 | $161,000 |
| American Indian or Alaskan Native | 1 | $208,000 | $208,000 | $208,000 | $81,000 | $81,000 |
| 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) | 466 | $84,812,000 | $182,000 | $410,000 | $77,000 | $1,292,000 |
| 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 Purchased By The Institution | 466 | $84,812,000 | $182,000 | $410,000 | $77,000 | $1,292,000 |
| Preapproval Approved but not Accepted | 0 | $0 | $0 | $0 | $0 | $0 |
| Preapproval Denied by Financial Institution | 0 | $0 | $0 | $0 | $0 | $0 |
| Application Approved But Not Accepted | 0 | $0 | $0 | $0 | $0 | $0 |
| Application Denied By Financial Institution | 0 | $0 | $0 | $0 | $0 | $0 |
| Application Withdrawn By Applicant | 0 | $0 | $0 | $0 | $0 | $0 |
| File Closed For Incompleteness | 0 | $0 | $0 | $0 | $0 | $0 |
| Loan Originated | 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 | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit History | 0 | $0 | $0 | $0 | $0 | $0 |
| Debt-To-Income Ratio | 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 |
| Other | 0 | $0 | $0 | $0 | $0 | $0 |
| Unverifiable Information | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Universal Savings Bank FA'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 Universal Savings Bank FA'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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