Universal Savings Bank Fa
HMDA Loan Application Totals
and Mortgage Lending Details
for 2007
Universal Savings Bank Fa 2007 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 | 466 |
| Total Mortgage Loan Application Amount | $84,812,000 |
| Average Mortgage Loan Application Amount | $184,000 |
| Highest Mortgage Loan Application Amount | $410,000 |
| Average Applicant Income | $76,500 |
| Highest Applicant Income | $1,292,000 |
Explore comprehensive HMDA mortgage statistics and lending trends for 2007 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 2007 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 2007.
| County | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loans Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Tom Green County Texas | 31 | $ 3,846,000 | $ 124,000 | $ 56,000 |
| Madison County Alabama | 28 | $ 4,719,000 | $ 168,000 | $ 68,000 |
| Tuscaloosa County Alabama | 27 | $ 4,900,000 | $ 181,000 | $ 73,000 |
| Franklin County Ohio | 23 | $ 4,127,000 | $ 179,000 | $ 74,000 |
| Licking County Ohio | 19 | $ 3,249,000 | $ 171,000 | $ 76,000 |
| Jefferson County Alabama | 13 | $ 2,002,000 | $ 154,000 | $ 74,000 |
| Morgan County Alabama | 12 | $ 1,918,000 | $ 159,000 | $ 68,000 |
| Denver County Colorado | 10 | $ 1,838,000 | $ 183,000 | $ 52,000 |
| Montgomery County Alabama | 8 | $ 1,722,000 | $ 215,000 | $ 79,000 |
| Shelby County Alabama | 8 | $ 1,673,000 | $ 209,000 | $ 86,000 |
| Boulder County Colorado | 8 | $ 1,886,000 | $ 235,000 | $ 76,000 |
| New Castle County Delaware | 7 | $ 1,682,000 | $ 240,000 | $ 80,000 |
| Polk County Iowa | 7 | $ 1,166,000 | $ 166,000 | $ 65,000 |
| Stark County Ohio | 7 | $ 983,000 | $ 140,000 | $ 55,000 |
| Waukesha County Wisconsin | 7 | $ 1,616,000 | $ 230,000 | $ 86,000 |
| Larimer County Colorado | 6 | $ 972,000 | $ 162,000 | $ 64,000 |
| Cass County North Dakota | 6 | $ 1,077,000 | $ 179,000 | $ 83,000 |
| Limestone County Alabama | 5 | $ 747,000 | $ 149,000 | $ 78,000 |
| Marshall County Alabama | 5 | $ 751,000 | $ 150,000 | $ 63,000 |
| Cook County Illinois | 5 | $ 1,162,000 | $ 232,000 | $ 72,000 |
| Cuyahoga County Ohio | 5 | $ 956,000 | $ 191,000 | $ 313,000 |
| Blount County Alabama | 4 | $ 648,000 | $ 162,000 | $ 70,000 |
| McLean County Illinois | 4 | $ 807,000 | $ 201,000 | $ 85,000 |
| St. Charles County Missouri | 4 | $ 905,000 | $ 226,000 | $ 67,000 |
| Jefferson County New York | 4 | $ 858,000 | $ 214,000 | $ 64,000 |
| Delaware County Ohio | 4 | $ 831,000 | $ 207,000 | $ 113,000 |
| Hamilton County Ohio | 4 | $ 697,000 | $ 174,000 | $ 66,000 |
| Medina County Ohio | 4 | $ 729,000 | $ 182,000 | $ 87,000 |
| Summit County Ohio | 4 | $ 1,041,000 | $ 260,000 | $ 124,000 |
| Milwaukee County Wisconsin | 4 | $ 680,000 | $ 170,000 | $ 69,000 |
| Lauderdale County Alabama | 3 | $ 364,000 | $ 121,000 | $ 69,000 |
| White County Arkansas | 3 | $ 446,000 | $ 148,000 | $ 86,000 |
| Adams County Colorado | 3 | $ 470,000 | $ 156,000 | $ 56,000 |
| Will County Illinois | 3 | $ 748,000 | $ 249,000 | $ 92,000 |
| Hennepin County Minnesota | 3 | $ 835,000 | $ 278,000 | $ 92,000 |
| Clark County Nevada | 3 | $ 849,000 | $ 283,000 | $ 115,000 |
| Merrimack County New Hampshire | 3 | $ 780,000 | $ 260,000 | $ 67,000 |
| Rutherford County Tennessee | 3 | $ 487,000 | $ 162,000 | $ 67,000 |
| Chittenden County Vermont | 3 | $ 702,000 | $ 234,000 | $ 111,000 |
| Baldwin County Alabama | 2 | $ 251,000 | $ 125,000 | $ 115,000 |
| Cullman County Alabama | 2 | $ 325,000 | $ 162,000 | $ 105,000 |
| Elmore County Alabama | 2 | $ 319,000 | $ 159,000 | $ 61,000 |
| Lee County Alabama | 2 | $ 422,000 | $ 211,000 | $ 60,000 |
| Pinal County Arizona | 2 | $ 204,000 | $ 102,000 | $ 38,000 |
| Lake County Florida | 2 | $ 419,000 | $ 209,000 | $ 45,000 |
| Pasco County Florida | 2 | $ 386,000 | $ 193,000 | $ 70,000 |
| Champaign County Illinois | 2 | $ 412,000 | $ 206,000 | $ 81,000 |
| LaSalle County Illinois | 2 | $ 328,000 | $ 164,000 | $ 340,000 |
| Barnstable County Massachusetts | 2 | $ 548,000 | $ 274,000 | $ 99,000 |
| Scott County Minnesota | 2 | $ 476,000 | $ 238,000 | $ 56,000 |
| St. Louis County Minnesota | 2 | $ 293,000 | $ 146,000 | $ 65,000 |
| St. Louis County Missouri | 2 | $ 471,000 | $ 235,000 | $ 70,000 |
| Fairfield County Ohio | 2 | $ 330,000 | $ 165,000 | $ 68,000 |
| Lorain County Ohio | 2 | $ 487,000 | $ 243,000 | $ 122,000 |
| Richland County Ohio | 2 | $ 415,000 | $ 207,000 | $ 80,000 |
| Davidson County Tennessee | 2 | $ 269,000 | $ 134,000 | $ 70,000 |
| Lincoln County Tennessee | 2 | $ 409,000 | $ 204,000 | $ 79,000 |
| Robertson County Tennessee | 2 | $ 202,000 | $ 101,000 | $ 45,000 |
| Sumner County Tennessee | 2 | $ 327,000 | $ 163,000 | $ 45,000 |
| Lamoille County Vermont | 2 | $ 392,000 | $ 196,000 | $ 97,000 |
| Pierce County Washington | 2 | $ 530,000 | $ 265,000 | $ 126,000 |
| Autauga County Alabama | 1 | $ 177,000 | $ 177,000 | $ 91,000 |
| Calhoun County Alabama | 1 | $ 307,000 | $ 307,000 | $ 100,000 |
| Coosa County Alabama | 1 | $ 82,000 | $ 82,000 | $ 50,000 |
| DeKalb County Alabama | 1 | $ 380,000 | $ 380,000 | $ 396,000 |
| Greene County Alabama | 1 | $ 153,000 | $ 153,000 | $ 98,000 |
| Hale County Alabama | 1 | $ 193,000 | $ 193,000 | $ 76,000 |
| Houston County Alabama | 1 | $ 196,000 | $ 196,000 | $ 60,000 |
| Lawrence County Alabama | 1 | $ 142,000 | $ 142,000 | $ 59,000 |
| Pickens County Alabama | 1 | $ 123,000 | $ 123,000 | $ 59,000 |
| St. Clair County Alabama | 1 | $ 90,000 | $ 90,000 | $ 64,000 |
| Talladega County Alabama | 1 | $ 104,000 | $ 104,000 | $ 94,000 |
| Walker County Alabama | 1 | $ 181,000 | $ 181,000 | $ 61,000 |
| Fresno County California | 1 | $ 225,000 | $ 225,000 | $ 60,000 |
| Riverside County California | 1 | $ 333,000 | $ 333,000 | $ 64,000 |
| Douglas County Colorado | 1 | $ 295,000 | $ 295,000 | $ 70,000 |
| Jefferson County Colorado | 1 | $ 208,000 | $ 208,000 | $ 133,000 |
| Summit County Colorado | 1 | $ 122,000 | $ 122,000 | $ 46,000 |
| Weld County Colorado | 1 | $ 260,000 | $ 260,000 | $ 120,000 |
| Kent County Delaware | 1 | $ 300,000 | $ 300,000 | $ 92,000 |
| District of Columbia County District Of Columbia | 1 | $ 332,000 | $ 332,000 | $ 75,000 |
| Citrus County Florida | 1 | $ 91,000 | $ 91,000 | $ 59,000 |
| Duval County Florida | 1 | $ 80,000 | $ 80,000 | $ 38,000 |
| Hillsborough County Florida | 1 | $ 299,000 | $ 299,000 | $ 88,000 |
| Martin County Florida | 1 | $ 290,000 | $ 290,000 | $ 102,000 |
| St. Johns County Florida | 1 | $ 90,000 | $ 90,000 | $ 25,000 |
| Bacon County Georgia | 1 | $ 80,000 | $ 80,000 | $ 24,000 |
| Camden County Georgia | 1 | $ 141,000 | $ 141,000 | $ 70,000 |
| Clarke County Georgia | 1 | $ 127,000 | $ 127,000 | $ 155,000 |
| Jeff Davis County Georgia | 1 | $ 80,000 | $ 80,000 | $ 46,000 |
| Coles County Illinois | 1 | $ 108,000 | $ 108,000 | $ 67,000 |
| Douglas County Illinois | 1 | $ 87,000 | $ 87,000 | $ 77,000 |
| DuPage County Illinois | 1 | $ 210,000 | $ 210,000 | $ 48,000 |
| Ford County Illinois | 1 | $ 104,000 | $ 104,000 | $ 67,000 |
| Kane County Illinois | 1 | $ 249,000 | $ 249,000 | $ 54,000 |
| Lake County Indiana | 1 | $ 245,000 | $ 245,000 | $ 97,000 |
| Poweshiek County Iowa | 1 | $ 209,000 | $ 209,000 | $ 89,000 |
| Story County Iowa | 1 | $ 156,000 | $ 156,000 | $ 36,000 |
| Warren County Iowa | 1 | $ 89,000 | $ 89,000 | $ 91,000 |
| Boone County Kentucky | 1 | $ 64,000 | $ 64,000 | $ 0 |
| Berkshire County Massachusetts | 1 | $ 214,000 | $ 214,000 | $ 70,000 |
| Kent County Michigan | 1 | $ 217,000 | $ 217,000 | $ 109,000 |
| Livingston County Michigan | 1 | $ 240,000 | $ 240,000 | $ 47,000 |
| Macomb County Michigan | 1 | $ 328,000 | $ 328,000 | $ 113,000 |
| Oakland County Michigan | 1 | $ 104,000 | $ 104,000 | $ 75,000 |
| St. Clair County Michigan | 1 | $ 98,000 | $ 98,000 | $ 35,000 |
| Wayne County Michigan | 1 | $ 76,000 | $ 76,000 | $ 26,000 |
| Anoka County Minnesota | 1 | $ 266,000 | $ 266,000 | $ 65,000 |
| Carlton County Minnesota | 1 | $ 278,000 | $ 278,000 | $ 85,000 |
| Dakota County Minnesota | 1 | $ 246,000 | $ 246,000 | $ 117,000 |
| Pine County Minnesota | 1 | $ 359,000 | $ 359,000 | $ 111,000 |
| Wright County Minnesota | 1 | $ 227,000 | $ 227,000 | $ 44,000 |
| Camden County Missouri | 1 | $ 174,000 | $ 174,000 | $ 40,000 |
| Cole County Missouri | 1 | $ 238,000 | $ 238,000 | $ 102,000 |
| Moniteau County Missouri | 1 | $ 140,000 | $ 140,000 | $ 55,000 |
| Pemiscot County Missouri | 1 | $ 163,000 | $ 163,000 | $ 94,000 |
| St. Louis City County Missouri | 1 | $ 127,000 | $ 127,000 | $ 43,000 |
| Carbon County Montana | 1 | $ 164,000 | $ 164,000 | $ 88,000 |
| Hillsborough County New Hampshire | 1 | $ 269,000 | $ 269,000 | $ 51,000 |
| Oswego County New York | 1 | $ 136,000 | $ 136,000 | $ 0 |
| Mecklenburg County North Carolina | 1 | $ 267,000 | $ 267,000 | $ 53,000 |
| Moore County North Carolina | 1 | $ 253,000 | $ 253,000 | $ 92,000 |
| Rowan County North Carolina | 1 | $ 79,000 | $ 79,000 | $ 49,000 |
| Adams County Ohio | 1 | $ 147,000 | $ 147,000 | $ 62,000 |
| Butler County Ohio | 1 | $ 143,000 | $ 143,000 | $ 42,000 |
| Highland County Ohio | 1 | $ 253,000 | $ 253,000 | $ 98,000 |
| Knox County Ohio | 1 | $ 160,000 | $ 160,000 | $ 69,000 |
| Lake County Ohio | 1 | $ 199,000 | $ 199,000 | $ 60,000 |
| Logan County Ohio | 1 | $ 270,000 | $ 270,000 | $ 132,000 |
| Madison County Ohio | 1 | $ 193,000 | $ 193,000 | $ 139,000 |
| Perry County Ohio | 1 | $ 189,000 | $ 189,000 | $ 124,000 |
| Pickaway County Ohio | 1 | $ 223,000 | $ 223,000 | $ 65,000 |
| Ross County Ohio | 1 | $ 160,000 | $ 160,000 | $ 94,000 |
| Tuscarawas County Ohio | 1 | $ 163,000 | $ 163,000 | $ 73,000 |
| Union County Ohio | 1 | $ 244,000 | $ 244,000 | $ 98,000 |
| Wayne County Ohio | 1 | $ 152,000 | $ 152,000 | $ 85,000 |
| Carbon County Pennsylvania | 1 | $ 140,000 | $ 140,000 | $ 39,000 |
| Pike County Pennsylvania | 1 | $ 99,000 | $ 99,000 | $ 53,000 |
| Beaufort County South Carolina | 1 | $ 314,000 | $ 314,000 | $ 84,000 |
| Dorchester County South Carolina | 1 | $ 102,000 | $ 102,000 | $ 34,000 |
| Blount County Tennessee | 1 | $ 109,000 | $ 109,000 | $ 42,000 |
| Coffee County Tennessee | 1 | $ 70,000 | $ 70,000 | $ 26,000 |
| Giles County Tennessee | 1 | $ 133,000 | $ 133,000 | $ 103,000 |
| Lawrence County Tennessee | 1 | $ 81,000 | $ 81,000 | $ 46,000 |
| Williamson County Tennessee | 1 | $ 141,000 | $ 141,000 | $ 73,000 |
| Bexar County Texas | 1 | $ 170,000 | $ 170,000 | $ 102,000 |
| Coke County Texas | 1 | $ 83,000 | $ 83,000 | $ 54,000 |
| Fort Bend County Texas | 1 | $ 218,000 | $ 218,000 | $ 210,000 |
| Galveston County Texas | 1 | $ 107,000 | $ 107,000 | $ 44,000 |
| Haskell County Texas | 1 | $ 160,000 | $ 160,000 | $ 90,000 |
| Hunt County Texas | 1 | $ 108,000 | $ 108,000 | $ 95,000 |
| Johnson County Texas | 1 | $ 176,000 | $ 176,000 | $ 75,000 |
| McCulloch County Texas | 1 | $ 133,000 | $ 133,000 | $ 53,000 |
| Parker County Texas | 1 | $ 170,000 | $ 170,000 | $ 100,000 |
| Runnels County Texas | 1 | $ 102,000 | $ 102,000 | $ 31,000 |
| Tarrant County Texas | 1 | $ 285,000 | $ 285,000 | $ 155,000 |
| Taylor County Texas | 1 | $ 228,000 | $ 228,000 | $ 87,000 |
| Uvalde County Texas | 1 | $ 130,000 | $ 130,000 | $ 71,000 |
| Chesterfield County Virginia | 1 | $ 243,000 | $ 243,000 | $ 37,000 |
| Colonial Heights County Virginia | 1 | $ 105,000 | $ 105,000 | $ 53,000 |
| Fauquier County Virginia | 1 | $ 307,000 | $ 307,000 | $ 102,000 |
| Hampton County Virginia | 1 | $ 294,000 | $ 294,000 | $ 94,000 |
| James City County Virginia | 1 | $ 344,000 | $ 344,000 | $ 132,000 |
| Manassas County Virginia | 1 | $ 383,000 | $ 383,000 | $ 111,000 |
| Newport News County Virginia | 1 | $ 155,000 | $ 155,000 | $ 0 |
| Suffolk County Virginia | 1 | $ 302,000 | $ 302,000 | $ 86,000 |
| King County Washington | 1 | $ 235,000 | $ 235,000 | $ 71,000 |
| Kittitas County Washington | 1 | $ 150,000 | $ 150,000 | $ 51,000 |
| Snohomish County Washington | 1 | $ 288,000 | $ 288,000 | $ 48,000 |
| Yakima County Washington | 1 | $ 116,000 | $ 116,000 | $ 22,000 |
| Jefferson County Wisconsin | 1 | $ 128,000 | $ 128,000 | $ 59,000 |
| Ozaukee County Wisconsin | 1 | $ 152,000 | $ 152,000 | $ 81,000 |
| Racine County 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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