Westfield Bank F S B
HMDA Loan Application Totals
and Mortgage Lending Details
for 2004
Westfield Bank F S B 2004 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 | 318 |
| Total Mortgage Loan Application Amount | $44,914,000 |
| Average Mortgage Loan Application Amount | $213,766 |
| Highest Mortgage Loan Application Amount | $1,000,000 |
| Average Applicant Income | $130,833 |
| Highest Applicant Income | $936,000 |
Explore comprehensive HMDA mortgage statistics and lending trends for 2004 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 2004 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 2004.
| 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 | 54 | $ 8,957,000 | $ 165,000 | $ 97,000 |
| Summit County Ohio | 51 | $ 7,148,000 | $ 140,000 | $ 130,000 |
| Cuyahoga County Ohio | 48 | $ 5,920,000 | $ 123,000 | $ 61,000 |
| Stark County Ohio | 37 | $ 3,970,000 | $ 107,000 | $ 57,000 |
| Lorain County Ohio | 17 | $ 1,295,000 | $ 76,000 | $ 48,000 |
| Ashland County Ohio | 11 | $ 842,000 | $ 76,000 | $ 41,000 |
| Wayne County Ohio | 7 | $ 937,000 | $ 133,000 | $ 86,000 |
| Lancaster County Pennsylvania | 4 | $ 576,000 | $ 144,000 | $ 60,000 |
| Kenton County Kentucky | 3 | $ 298,000 | $ 99,000 | $ 73,000 |
| Franklin County Ohio | 3 | $ 401,000 | $ 133,000 | $ 109,000 |
| Geauga County Ohio | 3 | $ 1,114,000 | $ 371,000 | $ 235,000 |
| Lake County Ohio | 3 | $ 777,000 | $ 259,000 | $ 123,000 |
| Portage County Ohio | 3 | $ 389,000 | $ 129,000 | $ 97,000 |
| York County Pennsylvania | 3 | $ 217,000 | $ 72,000 | $ 35,000 |
| Pulaski County Arkansas | 2 | $ 234,000 | $ 117,000 | $ 101,000 |
| Gwinnett County Georgia | 2 | $ 250,000 | $ 125,000 | $ 54,000 |
| Huron County Ohio | 2 | $ 165,000 | $ 82,000 | $ 61,000 |
| Lucas County Ohio | 2 | $ 219,000 | $ 109,000 | $ 62,000 |
| Van Wert County Ohio | 2 | $ 140,000 | $ 70,000 | $ 60,000 |
| Rusk County Wisconsin | 2 | $ 86,000 | $ 43,000 | $ 30,000 |
| Maricopa County Arizona | 1 | $ 334,000 | $ 334,000 | $ 105,000 |
| El Dorado County California | 1 | $ 458,000 | $ 458,000 | $ 634,000 |
| Clay County Florida | 1 | $ 203,000 | $ 203,000 | $ 70,000 |
| Lee County Florida | 1 | $ 237,000 | $ 237,000 | $ 145,000 |
| Palm Beach County Florida | 1 | $ 213,000 | $ 213,000 | $ 55,000 |
| Sarasota County Florida | 1 | $ 470,000 | $ 470,000 | $ 286,000 |
| St. Joseph County Indiana | 1 | $ 179,000 | $ 179,000 | $ 96,000 |
| Wabash County Indiana | 1 | $ 144,000 | $ 144,000 | $ 68,000 |
| Simpson County Kentucky | 1 | $ 108,000 | $ 108,000 | $ 52,000 |
| St. Tammany County Louisiana | 1 | $ 163,000 | $ 163,000 | $ 88,000 |
| Baltimore County Maryland | 1 | $ 148,000 | $ 148,000 | $ 110,000 |
| Charlevoix County Michigan | 1 | $ 300,000 | $ 300,000 | $ 156,000 |
| Wayne County Michigan | 1 | $ 102,000 | $ 102,000 | $ 84,000 |
| Clark County Nevada | 1 | $ 400,000 | $ 400,000 | $ 120,000 |
| Bergen County New Jersey | 1 | $ 210,000 | $ 210,000 | $ 120,000 |
| Kings County New York | 1 | $ 80,000 | $ 80,000 | $ 40,000 |
| Ashtabula County Ohio | 1 | $ 120,000 | $ 120,000 | $ 65,000 |
| Athens County Ohio | 1 | $ 45,000 | $ 45,000 | $ 14,000 |
| Butler County Ohio | 1 | $ 242,000 | $ 242,000 | $ 150,000 |
| Defiance County Ohio | 1 | $ 55,000 | $ 55,000 | $ 35,000 |
| Erie County Ohio | 1 | $ 164,000 | $ 164,000 | $ 84,000 |
| Miami County Ohio | 1 | $ 285,000 | $ 285,000 | $ 103,000 |
| Montgomery County Ohio | 1 | $ 65,000 | $ 65,000 | $ 52,000 |
| Ottawa County Ohio | 1 | $ 279,000 | $ 279,000 | $ 198,000 |
| Richland County Ohio | 1 | $ 88,000 | $ 88,000 | $ 63,000 |
| Trumbull County Ohio | 1 | $ 61,000 | $ 61,000 | $ 95,000 |
| Wood County Ohio | 1 | $ 220,000 | $ 220,000 | $ 78,000 |
| Allegheny County Pennsylvania | 1 | $ 320,000 | $ 320,000 | $ 157,000 |
| Beaver County Pennsylvania | 1 | $ 86,000 | $ 86,000 | $ 42,000 |
| Centre County Pennsylvania | 1 | $ 56,000 | $ 56,000 | $ 399,000 |
| Chester County Pennsylvania | 1 | $ 211,000 | $ 211,000 | $ 75,000 |
| Newport County Rhode Island | 1 | $ 1,000,000 | $ 1,000,000 | $ 594,000 |
| Knox County Tennessee | 1 | $ 142,000 | $ 142,000 | $ 58,000 |
| Colorado County Texas | 1 | $ 180,000 | $ 180,000 | $ 60,000 |
| Alexandria County Virginia | 1 | $ 308,000 | $ 308,000 | $ 315,000 |
| Loudoun County Virginia | 1 | $ 184,000 | $ 184,000 | $ 82,000 |
| Putnam County West Virginia | 1 | $ 170,000 | $ 170,000 | $ 91,000 |
Mortgage Loan Application Detail Totals for Westfield Bank F S B in 2004
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 | 223 | $30,530,000 | $197,888 | $713,000 | $127,222 | $936,000 |
| Refinancing | 95 | $14,384,000 | $237,583 | $1,000,000 | $136,250 | $594,000 |
| 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 | 230 | $34,246,000 | $238,055 | $1,000,000 | $151,888 | $936,000 |
| Not Provided | 71 | $8,995,000 | $169,777 | $400,000 | $78,333 | $259,000 |
| Black or African American | 8 | $837,000 | $104,000 | $174,000 | $49,000 | $68,000 |
| Hispanic | 6 | $450,000 | $75,000 | $116,000 | $68,000 | $81,000 |
| Asian | 2 | $327,000 | $163,000 | $225,000 | $74,000 | $120,000 |
| Native Hawaiian or Other Pacific Islander | 1 | $59,000 | $59,000 | $59,000 | $34,000 | $34,000 |
| Not applicable | 0 | $0 | $0 | $0 | $0 | $0 |
| American Indian or Alaskan Native | 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) | 285 | $41,426,000 | $226,913 | $1,000,000 | $137,043 | $936,000 |
| FHA-insured (Federal Housing Administration) | 23 | $2,305,000 | $100,000 | $158,000 | $40,000 | $96,000 |
| VA-guaranteed (Veterans Administration) | 9 | $1,061,000 | $117,000 | $200,000 | $49,000 | $83,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 1 | $122,000 | $122,000 | $122,000 | $46,000 | $46,000 |
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 | 253 | $36,669,000 | $243,700 | $1,000,000 | $155,350 | $936,000 |
| Application Withdrawn By Applicant | 46 | $6,394,000 | $154,833 | $355,000 | $67,833 | $198,000 |
| Application Denied By Financial Institution | 19 | $1,851,000 | $101,666 | $225,000 | $64,000 | $168,000 |
| Application Approved But Not Accepted | 0 | $0 | $0 | $0 | $0 | $0 |
| File Closed For Incompleteness | 0 | $0 | $0 | $0 | $0 | $0 |
| 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 |
|---|---|---|---|---|---|---|
| Credit History | 11 | $1,049,000 | $95,000 | $225,000 | $54,000 | $168,000 |
| Other | 3 | $378,000 | $126,000 | $180,000 | $50,000 | $60,000 |
| Collateral | 2 | $209,000 | $104,500 | $107,000 | $69,000 | $84,000 |
| Debt-To-Income Ratio | 2 | $105,000 | $52,000 | $80,000 | $39,000 | $39,000 |
| Credit Application Incomplete | 1 | $110,000 | $110,000 | $110,000 | $70,000 | $70,000 |
| Unverifiable Information | 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 Westfield Bank F S B's 2004 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.