Universal Savings Bank Fa
HMDA Loan Application Totals
and Mortgage Lending Details
for 2003
Universal Savings Bank Fa 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 | 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 | 2,245 |
| Total Mortgage Loan Application Amount | $320,229,000 |
| Average Mortgage Loan Application Amount | $130,033 |
| Highest Mortgage Loan Application Amount | $1,000,000 |
| Average Applicant Income | $68,866 |
| Highest Applicant Income | $2,297,000 |
Explore comprehensive HMDA mortgage statistics and lending trends for 2003 with Universal Savings Bank Fa. 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 Universal Savings Bank Fa's lending patterns or researching mortgage trends, these statistics provide valuable transparency into their loan activity.
Our HMDA dataset for 2003 breaks down Universal Savings Bank Fa'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 Universal Savings Bank Fa serves its applicants.
Each category highlights the total number of mortgage applications processed by Universal Savings Bank Fa, 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 Universal Savings Bank Fa'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 |
|---|---|---|---|---|
| Milwaukee County Wisconsin | 598 | $ 66,555,000 | $ 111,000 | $ 52,000 |
| Waukesha County Wisconsin | 363 | $ 63,724,000 | $ 175,000 | $ 81,000 |
| Cook County Illinois | 230 | $ 40,373,000 | $ 175,000 | $ 75,000 |
| Washington County Wisconsin | 116 | $ 18,719,000 | $ 161,000 | $ 67,000 |
| Racine County Wisconsin | 77 | $ 10,153,000 | $ 131,000 | $ 53,000 |
| Kenosha County Wisconsin | 75 | $ 10,563,000 | $ 140,000 | $ 64,000 |
| Ozaukee County Wisconsin | 57 | $ 11,281,000 | $ 197,000 | $ 99,000 |
| Walworth County Wisconsin | 56 | $ 7,440,000 | $ 132,000 | $ 65,000 |
| Lake County Illinois | 42 | $ 8,182,000 | $ 194,000 | $ 88,000 |
| Brown County Wisconsin | 39 | $ 5,091,000 | $ 130,000 | $ 61,000 |
| Dodge County Wisconsin | 32 | $ 4,504,000 | $ 140,000 | $ 59,000 |
| Dane County Wisconsin | 30 | $ 5,117,000 | $ 170,000 | $ 77,000 |
| Sheboygan County Wisconsin | 30 | $ 3,372,000 | $ 112,000 | $ 63,000 |
| DuPage County Illinois | 26 | $ 5,038,000 | $ 193,000 | $ 101,000 |
| Will County Illinois | 26 | $ 3,811,000 | $ 146,000 | $ 78,000 |
| Rock County Wisconsin | 18 | $ 2,273,000 | $ 126,000 | $ 50,000 |
| Jefferson County Wisconsin | 17 | $ 2,117,000 | $ 124,000 | $ 57,000 |
| McHenry County Illinois | 16 | $ 2,463,000 | $ 153,000 | $ 63,000 |
| Winnebago County Wisconsin | 15 | $ 2,111,000 | $ 140,000 | $ 74,000 |
| Kane County Illinois | 14 | $ 2,150,000 | $ 153,000 | $ 69,000 |
| Lake County Indiana | 13 | $ 1,531,000 | $ 117,000 | $ 56,000 |
| St. Joseph County Indiana | 12 | $ 889,000 | $ 74,000 | $ 42,000 |
| Hennepin County Minnesota | 12 | $ 1,958,000 | $ 163,000 | $ 82,000 |
| Monroe County Wisconsin | 11 | $ 726,000 | $ 66,000 | $ 42,000 |
| Juneau County Wisconsin | 10 | $ 921,000 | $ 92,000 | $ 42,000 |
| Oneida County Wisconsin | 9 | $ 1,475,000 | $ 163,000 | $ 61,000 |
| Washington County Minnesota | 8 | $ 1,583,000 | $ 197,000 | $ 77,000 |
| Columbia County Wisconsin | 8 | $ 925,000 | $ 115,000 | $ 67,000 |
| Fond du Lac County Wisconsin | 8 | $ 1,247,000 | $ 155,000 | $ 93,000 |
| Green County Wisconsin | 8 | $ 948,000 | $ 118,000 | $ 60,000 |
| Sauk County Wisconsin | 7 | $ 616,000 | $ 88,000 | $ 45,000 |
| Vilas County Wisconsin | 7 | $ 1,072,000 | $ 153,000 | $ 45,000 |
| Waupaca County Wisconsin | 7 | $ 1,290,000 | $ 184,000 | $ 53,000 |
| Adams County Wisconsin | 6 | $ 469,000 | $ 78,000 | $ 66,000 |
| Oconto County Wisconsin | 6 | $ 777,000 | $ 129,000 | $ 63,000 |
| St. Croix County Wisconsin | 6 | $ 1,193,000 | $ 198,000 | $ 86,000 |
| Maricopa County Arizona | 5 | $ 691,000 | $ 138,000 | $ 221,000 |
| Allen County Indiana | 5 | $ 298,000 | $ 59,000 | $ 44,000 |
| La Crosse County Wisconsin | 5 | $ 352,000 | $ 70,000 | $ 28,000 |
| Marinette County Wisconsin | 5 | $ 318,000 | $ 63,000 | $ 42,000 |
| Outagamie County Wisconsin | 5 | $ 593,000 | $ 118,000 | $ 54,000 |
| Shawano County Wisconsin | 5 | $ 591,000 | $ 118,000 | $ 41,000 |
| Vernon County Wisconsin | 5 | $ 407,000 | $ 81,000 | $ 47,000 |
| Broward County Florida | 4 | $ 523,000 | $ 130,000 | $ 75,000 |
| Marion County Indiana | 4 | $ 378,000 | $ 94,000 | $ 23,000 |
| Todd County Minnesota | 4 | $ 344,000 | $ 86,000 | $ 20,000 |
| Bayfield County Wisconsin | 4 | $ 427,000 | $ 106,000 | $ 90,000 |
| Eau Claire County Wisconsin | 4 | $ 480,000 | $ 120,000 | $ 71,000 |
| Kewaunee County Wisconsin | 4 | $ 484,000 | $ 121,000 | $ 49,000 |
| Manitowoc County Wisconsin | 4 | $ 410,000 | $ 102,000 | $ 79,000 |
| Marathon County Wisconsin | 4 | $ 320,000 | $ 80,000 | $ 29,000 |
| Portage County Wisconsin | 4 | $ 206,000 | $ 51,000 | $ 37,000 |
| Boone County Illinois | 3 | $ 324,000 | $ 108,000 | $ 53,000 |
| DeKalb County Illinois | 3 | $ 454,000 | $ 151,000 | $ 57,000 |
| Miami County Indiana | 3 | $ 513,000 | $ 171,000 | $ 64,000 |
| Anoka County Minnesota | 3 | $ 556,000 | $ 185,000 | $ 58,000 |
| Ramsey County Minnesota | 3 | $ 537,000 | $ 179,000 | $ 77,000 |
| St. Louis County Minnesota | 3 | $ 182,000 | $ 60,000 | $ 73,000 |
| Wright County Minnesota | 3 | $ 522,000 | $ 174,000 | $ 55,000 |
| Chippewa County Wisconsin | 3 | $ 251,000 | $ 83,000 | $ 69,000 |
| Clark County Wisconsin | 3 | $ 198,000 | $ 66,000 | $ 54,000 |
| Door County Wisconsin | 3 | $ 643,000 | $ 214,000 | $ 135,000 |
| Grant County Wisconsin | 3 | $ 277,000 | $ 92,000 | $ 25,000 |
| Los Angeles County California | 2 | $ 135,000 | $ 67,000 | $ 82,000 |
| Cobb County Georgia | 2 | $ 214,000 | $ 107,000 | $ 47,000 |
| DeKalb County Georgia | 2 | $ 219,000 | $ 109,000 | $ 94,000 |
| Fulton County Georgia | 2 | $ 360,000 | $ 180,000 | $ 69,000 |
| Grundy County Illinois | 2 | $ 224,000 | $ 112,000 | $ 59,000 |
| Pike County Illinois | 2 | $ 361,000 | $ 180,000 | $ 207,000 |
| Winnebago County Illinois | 2 | $ 261,000 | $ 130,000 | $ 46,000 |
| Elkhart County Indiana | 2 | $ 284,000 | $ 142,000 | $ 97,000 |
| Fountain County Indiana | 2 | $ 94,000 | $ 47,000 | $ 28,000 |
| Howard County Indiana | 2 | $ 379,000 | $ 189,000 | $ 89,000 |
| Montgomery County Indiana | 2 | $ 199,000 | $ 99,000 | $ 35,000 |
| Putnam County Indiana | 2 | $ 138,000 | $ 69,000 | $ 25,000 |
| Oakland County Michigan | 2 | $ 362,000 | $ 181,000 | $ 50,000 |
| Morrison County Minnesota | 2 | $ 168,000 | $ 84,000 | $ 51,000 |
| Steele County Minnesota | 2 | $ 96,000 | $ 48,000 | $ 50,000 |
| St. Louis County Missouri | 2 | $ 131,000 | $ 65,000 | $ 25,000 |
| Wake County North Carolina | 2 | $ 345,000 | $ 172,000 | $ 95,000 |
| Spotsylvania County Virginia | 2 | $ 393,000 | $ 196,000 | $ 66,000 |
| Ashland County Wisconsin | 2 | $ 320,000 | $ 160,000 | $ 53,000 |
| Barron County Wisconsin | 2 | $ 255,000 | $ 127,000 | $ 47,000 |
| Calumet County Wisconsin | 2 | $ 205,000 | $ 102,000 | $ 52,000 |
| Iowa County Wisconsin | 2 | $ 214,000 | $ 107,000 | $ 35,000 |
| Marquette County Wisconsin | 2 | $ 236,000 | $ 118,000 | $ 80,000 |
| Pierce County Wisconsin | 2 | $ 304,000 | $ 152,000 | $ 64,000 |
| Polk County Wisconsin | 2 | $ 217,000 | $ 108,000 | $ 34,000 |
| Price County Wisconsin | 2 | $ 245,000 | $ 122,000 | $ 65,000 |
| Sawyer County Wisconsin | 2 | $ 395,000 | $ 197,000 | $ 102,000 |
| Washburn County Wisconsin | 2 | $ 252,000 | $ 126,000 | $ 18,000 |
| Garland County Arkansas | 1 | $ 44,000 | $ 44,000 | $ 46,000 |
| San Francisco County California | 1 | $ 200,000 | $ 200,000 | $ 199,000 |
| Denver County Colorado | 1 | $ 170,000 | $ 170,000 | $ 38,000 |
| Mesa County Colorado | 1 | $ 286,000 | $ 286,000 | $ 168,000 |
| Lee County Florida | 1 | $ 300,000 | $ 300,000 | $ 119,000 |
| Bibb County Georgia | 1 | $ 65,000 | $ 65,000 | $ 28,000 |
| Clarke County Georgia | 1 | $ 71,000 | $ 71,000 | $ 30,000 |
| Columbia County Georgia | 1 | $ 122,000 | $ 122,000 | $ 45,000 |
| Effingham County Georgia | 1 | $ 201,000 | $ 201,000 | $ 73,000 |
| Glynn County Georgia | 1 | $ 153,000 | $ 153,000 | $ 192,000 |
| Champaign County Illinois | 1 | $ 80,000 | $ 80,000 | $ 84,000 |
| Kankakee County Illinois | 1 | $ 84,000 | $ 84,000 | $ 27,000 |
| Kendall County Illinois | 1 | $ 202,000 | $ 202,000 | $ 94,000 |
| St. Clair County Illinois | 1 | $ 285,000 | $ 285,000 | $ 95,000 |
| Carroll County Indiana | 1 | $ 98,000 | $ 98,000 | $ 22,000 |
| Cass County Indiana | 1 | $ 146,000 | $ 146,000 | $ 64,000 |
| Clay County Indiana | 1 | $ 78,000 | $ 78,000 | $ 45,000 |
| Hendricks County Indiana | 1 | $ 192,000 | $ 192,000 | $ 81,000 |
| LaPorte County Indiana | 1 | $ 176,000 | $ 176,000 | $ 36,000 |
| Newton County Indiana | 1 | $ 158,000 | $ 158,000 | $ 47,000 |
| Porter County Indiana | 1 | $ 99,000 | $ 99,000 | $ 52,000 |
| Starke County Indiana | 1 | $ 73,000 | $ 73,000 | $ 36,000 |
| Tippecanoe County Indiana | 1 | $ 62,000 | $ 62,000 | $ 42,000 |
| Vigo County Indiana | 1 | $ 47,000 | $ 47,000 | $ 25,000 |
| Warren County Indiana | 1 | $ 57,000 | $ 57,000 | $ 29,000 |
| Eaton County Michigan | 1 | $ 255,000 | $ 255,000 | $ 74,000 |
| Genesee County Michigan | 1 | $ 157,000 | $ 157,000 | $ 60,000 |
| Ingham County Michigan | 1 | $ 135,000 | $ 135,000 | $ 71,000 |
| Livingston County Michigan | 1 | $ 264,000 | $ 264,000 | $ 96,000 |
| Macomb County Michigan | 1 | $ 167,000 | $ 167,000 | $ 86,000 |
| Wayne County Michigan | 1 | $ 132,000 | $ 132,000 | $ 61,000 |
| Carlton County Minnesota | 1 | $ 150,000 | $ 150,000 | $ 69,000 |
| Carver County Minnesota | 1 | $ 132,000 | $ 132,000 | $ 81,000 |
| Chisago County Minnesota | 1 | $ 323,000 | $ 323,000 | $ 115,000 |
| Dakota County Minnesota | 1 | $ 225,000 | $ 225,000 | $ 79,000 |
| Goodhue County Minnesota | 1 | $ 107,000 | $ 107,000 | $ 53,000 |
| Isanti County Minnesota | 1 | $ 165,000 | $ 165,000 | $ 45,000 |
| Kanabec County Minnesota | 1 | $ 82,000 | $ 82,000 | $ 31,000 |
| Kandiyohi County Minnesota | 1 | $ 87,000 | $ 87,000 | $ 56,000 |
| Meeker County Minnesota | 1 | $ 181,000 | $ 181,000 | $ 54,000 |
| Mille Lacs County Minnesota | 1 | $ 120,000 | $ 120,000 | $ 41,000 |
| Olmsted County Minnesota | 1 | $ 41,000 | $ 41,000 | $ 90,000 |
| Pine County Minnesota | 1 | $ 88,000 | $ 88,000 | $ 47,000 |
| Rice County Minnesota | 1 | $ 95,000 | $ 95,000 | $ 92,000 |
| Scott County Minnesota | 1 | $ 60,000 | $ 60,000 | $ 73,000 |
| Winona County Minnesota | 1 | $ 28,000 | $ 28,000 | $ 26,000 |
| Clark County Nevada | 1 | $ 145,000 | $ 145,000 | $ 21,000 |
| Sandoval County New Mexico | 1 | $ 97,000 | $ 97,000 | $ 53,000 |
| Catawba County North Carolina | 1 | $ 80,000 | $ 80,000 | $ 90,000 |
| McDowell County North Carolina | 1 | $ 114,000 | $ 114,000 | $ 43,000 |
| Onslow County North Carolina | 1 | $ 79,000 | $ 79,000 | $ 31,000 |
| Philadelphia County Pennsylvania | 1 | $ 40,000 | $ 40,000 | $ 64,000 |
| Tipton County Tennessee | 1 | $ 124,000 | $ 124,000 | $ 54,000 |
| Brazoria County Texas | 1 | $ 179,000 | $ 179,000 | $ 0 |
| Yoakum County Texas | 1 | $ 36,000 | $ 36,000 | $ 41,000 |
| Bristol County Virginia | 1 | $ 127,000 | $ 127,000 | $ 73,000 |
| Fairfax County Virginia | 1 | $ 226,000 | $ 226,000 | $ 142,000 |
| Hampton County Virginia | 1 | $ 140,000 | $ 140,000 | $ 39,000 |
| Hanover County Virginia | 1 | $ 115,000 | $ 115,000 | $ 60,000 |
| Stafford County Virginia | 1 | $ 212,000 | $ 212,000 | $ 75,000 |
| Buffalo County Wisconsin | 1 | $ 60,000 | $ 60,000 | $ 67,000 |
| Crawford County Wisconsin | 1 | $ 162,000 | $ 162,000 | $ 101,000 |
| Douglas County Wisconsin | 1 | $ 59,000 | $ 59,000 | $ 30,000 |
| Dunn County Wisconsin | 1 | $ 93,000 | $ 93,000 | $ 54,000 |
| Florence County Wisconsin | 1 | $ 61,000 | $ 61,000 | $ 156,000 |
| Green Lake County Wisconsin | 1 | $ 400,000 | $ 400,000 | $ 108,000 |
| Jackson County Wisconsin | 1 | $ 57,000 | $ 57,000 | $ 32,000 |
| Langlade County Wisconsin | 1 | $ 73,000 | $ 73,000 | $ 21,000 |
| Richland County Wisconsin | 1 | $ 72,000 | $ 72,000 | $ 31,000 |
| Trempealeau County Wisconsin | 1 | $ 93,000 | $ 93,000 | $ 54,000 |
Mortgage Loan Application Detail Totals for Universal Savings Bank Fa 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 |
|---|---|---|---|---|---|---|
| Home Purchase (one-to-four family) | 1,451 | $202,593,000 | $136,823 | $1,000,000 | $75,176 | $2,297,000 |
| Refinancing (home purchase or home improvement, one-to-four family) | 793 | $117,408,000 | $112,250 | $1,000,000 | $59,250 | $1,036,000 |
| Home Improvement (one-to-four family) | 1 | $228,000 | $228,000 | $228,000 | $77,000 | $77,000 |
| 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 | 1,533 | $225,137,000 | $130,222 | $1,000,000 | $76,111 | $2,297,000 |
| Information not provided by applicant in mail or telephone application | 351 | $49,980,000 | $141,714 | $1,000,000 | $79,000 | $804,000 |
| Black | 214 | $23,773,000 | $107,100 | $510,000 | $58,800 | $254,000 |
| Hispanic | 93 | $11,999,000 | $133,500 | $315,000 | $42,875 | $162,000 |
| Asian or Pacific Islander | 35 | $6,265,000 | $153,500 | $450,000 | $78,000 | $312,000 |
| American Indian or Alaskan Native | 12 | $2,086,000 | $148,250 | $385,000 | $66,250 | $102,000 |
| Other | 7 | $989,000 | $117,000 | $255,000 | $34,500 | $83,000 |
| 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) | 2,236 | $319,113,000 | $127,722 | $1,000,000 | $71,500 | $2,297,000 |
| VA-guaranteed (Veterans Administration) | 9 | $1,116,000 | $124,000 | $167,000 | $57,500 | $94,000 |
| 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 |
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 | 1,791 | $260,304,000 | $134,736 | $1,000,000 | $75,684 | $2,297,000 |
| Application Withdrawn By Applicant | 271 | $36,727,000 | $129,000 | $560,000 | $65,714 | $458,000 |
| Application Denied By Financial Institution | 170 | $20,733,000 | $104,142 | $463,000 | $58,000 | $351,000 |
| Application Approved But Not Accepted | 10 | $1,865,000 | $187,666 | $333,000 | $63,000 | $89,000 |
| File Closed For Incompleteness | 3 | $600,000 | $200,000 | $224,000 | $95,000 | $137,000 |
| Loan Purchased By The 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 | 51 | $7,052,000 | $130,250 | $450,000 | $67,500 | $173,000 |
| Collateral | 40 | $5,087,000 | $139,500 | $463,000 | $68,500 | $351,000 |
| Other | 30 | $4,106,000 | $157,000 | $451,000 | $75,250 | $178,000 |
| Credit History | 25 | $1,995,000 | $67,000 | $220,000 | $41,833 | $109,000 |
| Employment History | 9 | $716,000 | $83,000 | $144,000 | $52,000 | $84,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 8 | $991,000 | $123,500 | $217,000 | $41,000 | $103,000 |
| Unverifiable Information | 7 | $786,000 | $108,000 | $295,000 | $46,000 | $67,000 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Universal Savings Bank Fa'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 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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