Westfield Bank, Fsb
HMDA Loan Application Totals
and Mortgage Lending Details
for 2018
Westfield Bank, Fsb 2018 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, Fsb Two Park Circle Westfield Center, OH 44251 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2023 2022 2021 2020 2019 2018 2017 2016 2015 2014 2013 2012 2011 |
| Total Number of Mortgage Applications | 433 |
| Total Mortgage Loan Application Amount | $115,545,000 |
| Average Mortgage Loan Application Amount | $206,000 |
| Highest Mortgage Loan Application Amount | $4,225,000 |
| Average Applicant Income | $147,200 |
| Highest Applicant Income | $2,838,000 |
Explore comprehensive HMDA mortgage statistics and lending trends for 2018 with Westfield Bank, Fsb. 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, Fsb's lending patterns or researching mortgage trends, these statistics provide valuable transparency into their loan activity.
Our HMDA dataset for 2018 breaks down Westfield Bank, Fsb'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, Fsb serves its applicants.
Each category highlights the total number of mortgage applications processed by Westfield Bank, Fsb, 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, Fsb's mortgage activity for 2018.
| 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 | 138 | $ 35,250,000 | $ 255,000 | $ 132,000 |
| Summit County Ohio | 96 | $ 25,160,000 | $ 262,000 | $ 111,000 |
| Stark County Ohio | 86 | $ 19,620,000 | $ 228,000 | $ 136,000 |
| Cuyahoga County Ohio | 37 | $ 8,765,000 | $ 236,000 | $ 215,000 |
| Portage County Ohio | 12 | $ 3,610,000 | $ 300,000 | $ 114,000 |
| Ottawa County Ohio | 6 | $ 2,970,000 | $ 495,000 | $ 444,000 |
| Wayne County Ohio | 5 | $ 1,135,000 | $ 227,000 | $ 93,000 |
| Geauga County Ohio | 4 | $ 1,190,000 | $ 297,000 | $ 136,000 |
| Lorain County Ohio | 3 | $ 4,825,000 | $ 1,608,000 | $ 110,000 |
| Lee County Florida | 2 | $ 1,160,000 | $ 580,000 | $ 390,000 |
| Gwinnett County Georgia | 2 | $ 270,000 | $ 135,000 | $ 43,000 |
| Erie County Ohio | 2 | $ 370,000 | $ 185,000 | $ 179,000 |
| Franklin County Ohio | 2 | $ 300,000 | $ 150,000 | $ 54,000 |
| Knox County Ohio | 2 | $ 840,000 | $ 420,000 | $ 448,000 |
| Sumner County Tennessee | 2 | $ 230,000 | $ 115,000 | $ 68,000 |
| Maricopa County Arizona | 1 | $ 375,000 | $ 375,000 | $ 280,000 |
| Douglas County Colorado | 1 | $ 605,000 | $ 605,000 | $ 259,000 |
| Fairfield County Connecticut | 1 | $ 305,000 | $ 305,000 | $ 274,000 |
| Charlotte County Florida | 1 | $ 455,000 | $ 455,000 | $ 405,000 |
| Collier County Florida | 1 | $ 645,000 | $ 645,000 | $ 225,000 |
| Palm Beach County Florida | 1 | $ 655,000 | $ 655,000 | $ 237,000 |
| Sumter County Florida | 1 | $ 265,000 | $ 265,000 | $ 129,000 |
| Volusia County Florida | 1 | $ 275,000 | $ 275,000 | $ 250,000 |
| Jackson County Georgia | 1 | $ 275,000 | $ 275,000 | $ 112,000 |
| Kane County Illinois | 1 | $ 285,000 | $ 285,000 | $ 142,000 |
| Boyd County Kentucky | 1 | $ 55,000 | $ 55,000 | $ 57,000 |
| Clay County Kentucky | 1 | $ 65,000 | $ 65,000 | $ 56,000 |
| Clinton County Kentucky | 1 | $ 75,000 | $ 75,000 | $ 32,000 |
| Floyd County Kentucky | 1 | $ 105,000 | $ 105,000 | $ 145,000 |
| Hopkins County Kentucky | 1 | $ 85,000 | $ 85,000 | $ 44,000 |
| Russell County Kentucky | 1 | $ 85,000 | $ 85,000 | $ 27,000 |
| Cecil County Maryland | 1 | $ 565,000 | $ 565,000 | $ 124,000 |
| Charlevoix County Michigan | 1 | $ 655,000 | $ 655,000 | $ 229,000 |
| Ottawa County Michigan | 1 | $ 105,000 | $ 105,000 | $ 283,000 |
| Rockingham County New Hampshire | 1 | $ 195,000 | $ 195,000 | $ 223,000 |
| Chautauqua County New York | 1 | $ 275,000 | $ 275,000 | $ 405,000 |
| Queens County New York | 1 | $ 755,000 | $ 755,000 | $ 239,000 |
| Ashland County Ohio | 1 | $ 125,000 | $ 125,000 | $ 131,000 |
| Athens County Ohio | 1 | $ 105,000 | $ 105,000 | $ 0 |
| Clermont County Ohio | 1 | $ 55,000 | $ 55,000 | $ 38,000 |
| Delaware County Ohio | 1 | $ 225,000 | $ 225,000 | $ 87,000 |
| Hamilton County Ohio | 1 | $ 255,000 | $ 255,000 | $ 123,000 |
| Richland County Ohio | 1 | $ 575,000 | $ 575,000 | $ 0 |
| Union County Ohio | 1 | $ 525,000 | $ 525,000 | $ 243,000 |
| Washington County Pennsylvania | 1 | $ 75,000 | $ 75,000 | $ 43,000 |
| York County Pennsylvania | 1 | $ 85,000 | $ 85,000 | $ 42,000 |
| Charleston County South Carolina | 1 | $ 475,000 | $ 475,000 | $ 273,000 |
| Coffee County Tennessee | 1 | $ 75,000 | $ 75,000 | $ 63,000 |
| Maury County Tennessee | 1 | $ 115,000 | $ 115,000 | $ 100,000 |
Mortgage Loan Application Detail Totals for Westfield Bank, Fsb in 2018
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 | 313 | $92,195,000 | $294,000 | $4,225,000 | $149,000 | $2,838,000 |
| Cash-out Refinancing | 43 | $12,825,000 | $298,000 | $3,465,000 | $130,000 | $597,000 |
| Home Improvement | 42 | $1,170,000 | $27,000 | $205,000 | $87,000 | $193,000 |
| Refinancing | 27 | $8,615,000 | $319,000 | $1,915,000 | $171,000 | $877,000 |
| Other Purpose | 8 | $740,000 | $92,000 | $165,000 | $199,000 | $283,000 |
| Not Applicable | 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 | 347 | $88,885,000 | $256,000 | $1,055,000 | $154,000 | $2,838,000 |
| Not applicable | 57 | $18,135,000 | $318,000 | $4,225,000 | $50,000 | $145,000 |
| Not Provided | 14 | $4,840,000 | $345,000 | $1,205,000 | $154,000 | $325,000 |
| Asian | 5 | $1,915,000 | $383,000 | $755,000 | $184,000 | $325,000 |
| Black or African American | 5 | $1,275,000 | $255,000 | $655,000 | $102,000 | $165,000 |
| Hispanic | 3 | $365,000 | $121,000 | $175,000 | $77,000 | $112,000 |
| American Indian or Alaskan Native | 2 | $130,000 | $65,000 | $105,000 | $88,000 | $121,000 |
| Native Hawaiian or Other 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) | 432 | $115,460,000 | $267,000 | $4,225,000 | $143,000 | $2,838,000 |
| FHA-insured (Federal Housing Administration) | 1 | $85,000 | $85,000 | $85,000 | $42,000 | $42,000 |
| 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 Originated | 343 | $100,945,000 | $294,000 | $4,225,000 | $159,000 | $2,838,000 |
| Loan Purchased By The Institution | 38 | $3,000,000 | $78,000 | $145,000 | $50,000 | $145,000 |
| Application Withdrawn By Applicant | 31 | $7,305,000 | $235,000 | $575,000 | $123,000 | $365,000 |
| Application Denied By Financial Institution | 20 | $4,240,000 | $212,000 | $1,915,000 | $99,000 | $193,000 |
| Application Approved But Not Accepted | 1 | $55,000 | $55,000 | $55,000 | $35,000 | $35,000 |
| File Closed For Incompleteness | 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 |
|---|---|---|---|---|---|---|
| Not applicable | 413 | $111,305,000 | $269,000 | $4,225,000 | $145,000 | $2,838,000 |
| Collateral | 8 | $1,410,000 | $176,000 | $455,000 | $114,000 | $179,000 |
| Credit Application Incomplete | 4 | $440,000 | $110,000 | $175,000 | $95,000 | $193,000 |
| Debt-To-Income Ratio | 4 | $2,010,000 | $502,000 | $1,915,000 | $85,000 | $103,000 |
| Credit History | 2 | $320,000 | $160,000 | $285,000 | $123,000 | $150,000 |
| Unverifiable Information | 2 | $60,000 | $30,000 | $45,000 | $50,000 | $89,000 |
| Other | 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, Fsb's 2018 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, Fsb'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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with aggregated HMDA statistics today.