Westfield Bank F S B
HMDA Loan Application Totals
and Mortgage Lending Details
for 2003
Westfield Bank F S B 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 | Westfield Bank F S B Two Park Circle Westfield Center, OH 44251 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 | 169 |
| Total Mortgage Loan Application Amount | $24,381,000 |
| Average Mortgage Loan Application Amount | $194,800 |
| Highest Mortgage Loan Application Amount | $540,000 |
| Average Applicant Income | $90,200 |
| Highest Applicant Income | $400,000 |
Explore comprehensive HMDA mortgage statistics and lending trends for 2003 with Westfield Bank F S B. 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 Westfield Bank F S B's lending patterns or researching mortgage trends, these statistics provide valuable transparency into their loan activity.
Our HMDA dataset for 2003 breaks down Westfield Bank F S B'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 Westfield Bank F S B serves its applicants.
Each category highlights the total number of mortgage applications processed by Westfield Bank F S B, 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 Westfield Bank F S B'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 |
|---|---|---|---|---|
| Medina County Ohio | 85 | $ 12,330,000 | $ 145,000 | $ 76,000 |
| Wayne County Ohio | 14 | $ 1,425,000 | $ 101,000 | $ 64,000 |
| Summit County Ohio | 12 | $ 1,631,000 | $ 135,000 | $ 56,000 |
| Cuyahoga County Ohio | 11 | $ 1,886,000 | $ 171,000 | $ 85,000 |
| Ashland County Ohio | 4 | $ 455,000 | $ 113,000 | $ 70,000 |
| Lorain County Ohio | 4 | $ 461,000 | $ 115,000 | $ 69,000 |
| Erie County Ohio | 3 | $ 217,000 | $ 72,000 | $ 91,000 |
| New Castle County Delaware | 2 | $ 477,000 | $ 238,000 | $ 71,000 |
| Hamilton County Ohio | 2 | $ 269,000 | $ 134,000 | $ 69,000 |
| Ottawa County Ohio | 2 | $ 537,000 | $ 268,000 | $ 181,000 |
| Tuscarawas County Ohio | 2 | $ 176,000 | $ 88,000 | $ 38,000 |
| Duval County Florida | 1 | $ 122,000 | $ 122,000 | $ 41,000 |
| Miami-Dade County Florida | 1 | $ 308,000 | $ 308,000 | $ 162,000 |
| Walton County Florida | 1 | $ 218,000 | $ 218,000 | $ 90,000 |
| DuPage County Illinois | 1 | $ 170,000 | $ 170,000 | $ 47,000 |
| Peoria County Illinois | 1 | $ 114,000 | $ 114,000 | $ 56,000 |
| Clark County Indiana | 1 | $ 133,000 | $ 133,000 | $ 87,000 |
| Steuben County Indiana | 1 | $ 315,000 | $ 315,000 | $ 105,000 |
| Linn County Iowa | 1 | $ 74,000 | $ 74,000 | $ 75,000 |
| Jefferson County Kentucky | 1 | $ 135,000 | $ 135,000 | $ 87,000 |
| Eaton County Michigan | 1 | $ 291,000 | $ 291,000 | $ 112,000 |
| Clermont County Ohio | 1 | $ 123,000 | $ 123,000 | $ 105,000 |
| Franklin County Ohio | 1 | $ 100,000 | $ 100,000 | $ 254,000 |
| Licking County Ohio | 1 | $ 157,000 | $ 157,000 | $ 53,000 |
| Mercer County Ohio | 1 | $ 80,000 | $ 80,000 | $ 78,000 |
| Monroe County Ohio | 1 | $ 124,000 | $ 124,000 | $ 35,000 |
| Richland County Ohio | 1 | $ 112,000 | $ 112,000 | $ 77,000 |
| Seneca County Ohio | 1 | $ 115,000 | $ 115,000 | $ 65,000 |
| Shelby County Ohio | 1 | $ 112,000 | $ 112,000 | $ 42,000 |
| Stark County Ohio | 1 | $ 70,000 | $ 70,000 | $ 58,000 |
| Washington County Ohio | 1 | $ 95,000 | $ 95,000 | $ 62,000 |
| Wood County Ohio | 1 | $ 110,000 | $ 110,000 | $ 40,000 |
| Chester County Pennsylvania | 1 | $ 127,000 | $ 127,000 | $ 139,000 |
| Lancaster County Pennsylvania | 1 | $ 204,000 | $ 204,000 | $ 100,000 |
| Wilson County Tennessee | 1 | $ 109,000 | $ 109,000 | $ 85,000 |
| Powhatan County Virginia | 1 | $ 540,000 | $ 540,000 | $ 152,000 |
| Berkeley County West Virginia | 1 | $ 200,000 | $ 200,000 | $ 70,000 |
| Harrison County West Virginia | 1 | $ 97,000 | $ 97,000 | $ 45,000 |
| Taylor County West Virginia | 1 | $ 162,000 | $ 162,000 | $ 76,000 |
Mortgage Loan Application Detail Totals for Westfield Bank F S B 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) | 118 | $15,305,000 | $172,000 | $323,000 | $94,000 | $400,000 |
| Home Purchase (one-to-four family) | 51 | $9,076,000 | $210,000 | $540,000 | $87,666 | $254,000 |
| Multifamily dwelling (home purchase, home improvement, and refinancings) | 0 | $0 | $0 | $0 | $0 | $0 |
| Home Improvement (one-to-four family) | 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 | 164 | $23,660,000 | $201,916 | $540,000 | $90,166 | $400,000 |
| Other | 2 | $545,000 | $272,000 | $304,000 | $156,000 | $187,000 |
| Hispanic | 2 | $90,000 | $45,000 | $72,000 | $26,000 | $26,000 |
| Black | 1 | $86,000 | $86,000 | $86,000 | $89,000 | $89,000 |
| Information not provided by applicant in mail or telephone application | 0 | $0 | $0 | $0 | $0 | $0 |
| Not applicable | 0 | $0 | $0 | $0 | $0 | $0 |
| American Indian or Alaskan Native | 0 | $0 | $0 | $0 | $0 | $0 |
| Asian or Pacific Islander | 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) | 166 | $24,104,000 | $202,083 | $540,000 | $90,500 | $400,000 |
| FHA-insured (Federal Housing Administration) | 2 | $159,000 | $79,000 | $86,000 | $57,000 | $89,000 |
| VA-guaranteed (Veterans Administration) | 1 | $118,000 | $118,000 | $118,000 | $39,000 | $39,000 |
| 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 | 152 | $22,380,000 | $210,636 | $540,000 | $91,363 | $400,000 |
| File Closed For Incompleteness | 7 | $922,000 | $131,000 | $304,000 | $97,000 | $187,000 |
| Application Denied By Financial Institution | 6 | $562,000 | $93,000 | $136,000 | $31,000 | $35,000 |
| Application Withdrawn By Applicant | 4 | $517,000 | $122,500 | $175,000 | $70,500 | $85,000 |
| Application Approved But Not Accepted | 0 | $0 | $0 | $0 | $0 | $0 |
| 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 |
|---|---|---|---|---|---|---|
| Credit History | 2 | $153,000 | $76,000 | $81,000 | $32,000 | $35,000 |
| Debt-To-Income Ratio | 2 | $251,000 | $125,000 | $136,000 | $30,000 | $31,000 |
| Employment History | 2 | $158,000 | $79,000 | $100,000 | $30,000 | $34,000 |
| 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 |
| Collateral | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Westfield Bank F S B'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 Westfield Bank F S B'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.
For a list of all lenders in Ohio, download the full spreadsheet
with aggregated HMDA statistics today.