Willow Financial Bank
HMDA Loan Application Totals
and Mortgage Lending Details
for 2004
Willow Financial Bank 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 | Willow Financial Bank 170 S. Warner Road Wayne, PA 19087 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2007 2006 2005 2004 2003 |
| Total Number of Mortgage Applications | 1,142 |
| Total Mortgage Loan Application Amount | $216,787,000 |
| Average Mortgage Loan Application Amount | $342,433 |
| Highest Mortgage Loan Application Amount | $5,029,000 |
| Average Applicant Income | $83,400 |
| Highest Applicant Income | $1,517,000 |
Explore comprehensive HMDA mortgage statistics and lending trends for 2004 with Willow Financial Bank. 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 Willow Financial Bank's lending patterns or researching mortgage trends, these statistics provide valuable transparency into their loan activity.
Our HMDA dataset for 2004 breaks down Willow Financial Bank'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 Willow Financial Bank serves its applicants.
Each category highlights the total number of mortgage applications processed by Willow Financial Bank, 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 Willow Financial Bank'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 |
|---|---|---|---|---|
| Montgomery County Pennsylvania | 426 | $ 64,841,000 | $ 152,000 | $ 76,000 |
| Bucks County Pennsylvania | 209 | $ 35,870,000 | $ 171,000 | $ 101,000 |
| Philadelphia County Pennsylvania | 161 | $ 27,824,000 | $ 172,000 | $ 70,000 |
| Delaware County Pennsylvania | 85 | $ 14,518,000 | $ 170,000 | $ 74,000 |
| Chester County Pennsylvania | 69 | $ 15,806,000 | $ 229,000 | $ 99,000 |
| Lehigh County Pennsylvania | 19 | $ 3,719,000 | $ 195,000 | $ 98,000 |
| Burlington County New Jersey | 17 | $ 3,326,000 | $ 195,000 | $ 68,000 |
| Cape May County New Jersey | 16 | $ 5,481,000 | $ 342,000 | $ 114,000 |
| Mercer County New Jersey | 9 | $ 2,257,000 | $ 250,000 | $ 74,000 |
| Atlantic County New Jersey | 8 | $ 2,651,000 | $ 331,000 | $ 158,000 |
| New Castle County Delaware | 5 | $ 719,000 | $ 143,000 | $ 62,000 |
| District of Columbia County District Of Columbia | 5 | $ 2,395,000 | $ 479,000 | $ 0 |
| Nassau County New York | 5 | $ 2,785,000 | $ 557,000 | $ 0 |
| Suffolk County New York | 5 | $ 3,069,000 | $ 613,000 | $ 0 |
| Berks County Pennsylvania | 5 | $ 869,000 | $ 173,000 | $ 83,000 |
| Fairfax County Virginia | 5 | $ 1,917,000 | $ 383,000 | $ 0 |
| Cook County Illinois | 4 | $ 1,805,000 | $ 451,000 | $ 0 |
| Montgomery County Maryland | 4 | $ 2,256,000 | $ 564,000 | $ 0 |
| Gloucester County New Jersey | 4 | $ 732,000 | $ 183,000 | $ 102,000 |
| Ocean County New Jersey | 4 | $ 1,077,000 | $ 269,000 | $ 200,000 |
| Lancaster County Pennsylvania | 4 | $ 759,000 | $ 189,000 | $ 93,000 |
| Northampton County Pennsylvania | 4 | $ 572,000 | $ 143,000 | $ 74,000 |
| Camden County New Jersey | 3 | $ 347,000 | $ 115,000 | $ 69,000 |
| Monmouth County New Jersey | 3 | $ 1,646,000 | $ 548,000 | $ 158,000 |
| New York County New York | 3 | $ 1,548,000 | $ 516,000 | $ 0 |
| Westchester County New York | 3 | $ 1,173,000 | $ 391,000 | $ 0 |
| Dauphin County Pennsylvania | 3 | $ 1,015,000 | $ 338,000 | $ 59,000 |
| York County Pennsylvania | 3 | $ 365,000 | $ 121,000 | $ 68,000 |
| Prince William County Virginia | 3 | $ 903,000 | $ 301,000 | $ 0 |
| DuPage County Illinois | 2 | $ 929,000 | $ 464,000 | $ 0 |
| Anne Arundel County Maryland | 2 | $ 878,000 | $ 439,000 | $ 0 |
| Middlesex County New Jersey | 2 | $ 261,000 | $ 130,000 | $ 209,000 |
| Union County New Jersey | 2 | $ 635,000 | $ 317,000 | $ 108,000 |
| Monroe County Pennsylvania | 2 | $ 219,000 | $ 109,000 | $ 126,000 |
| Maricopa County Arizona | 1 | $ 565,000 | $ 565,000 | $ 1,517,000 |
| Hartford County Connecticut | 1 | $ 344,000 | $ 344,000 | $ 0 |
| Middlesex County Connecticut | 1 | $ 200,000 | $ 200,000 | $ 0 |
| Sussex County Delaware | 1 | $ 190,000 | $ 190,000 | $ 0 |
| Palm Beach County Florida | 1 | $ 300,000 | $ 300,000 | $ 125,000 |
| Columbia County Georgia | 1 | $ 485,000 | $ 485,000 | $ 0 |
| Lake County Illinois | 1 | $ 400,000 | $ 400,000 | $ 0 |
| Cecil County Maryland | 1 | $ 377,000 | $ 377,000 | $ 0 |
| Bristol County Massachusetts | 1 | $ 110,000 | $ 110,000 | $ 0 |
| Essex County Massachusetts | 1 | $ 381,000 | $ 381,000 | $ 0 |
| Worcester County Massachusetts | 1 | $ 500,000 | $ 500,000 | $ 0 |
| Kalamazoo County Michigan | 1 | $ 400,000 | $ 400,000 | $ 0 |
| Wright County Minnesota | 1 | $ 502,000 | $ 502,000 | $ 0 |
| Hudson County New Jersey | 1 | $ 215,000 | $ 215,000 | $ 46,000 |
| Morris County New Jersey | 1 | $ 432,000 | $ 432,000 | $ 0 |
| Dutchess County New York | 1 | $ 415,000 | $ 415,000 | $ 0 |
| Kings County New York | 1 | $ 370,000 | $ 370,000 | $ 0 |
| Franklin County Ohio | 1 | $ 386,000 | $ 386,000 | $ 0 |
| Madison County Ohio | 1 | $ 300,000 | $ 300,000 | $ 0 |
| Stark County Ohio | 1 | $ 505,000 | $ 505,000 | $ 0 |
| Allegheny County Pennsylvania | 1 | $ 363,000 | $ 363,000 | $ 0 |
| Carbon County Pennsylvania | 1 | $ 248,000 | $ 248,000 | $ 131,000 |
| Luzerne County Pennsylvania | 1 | $ 184,000 | $ 184,000 | $ 81,000 |
| Schuylkill County Pennsylvania | 1 | $ 157,000 | $ 157,000 | $ 90,000 |
| Wyoming County Pennsylvania | 1 | $ 148,000 | $ 148,000 | $ 62,000 |
| Kent County Rhode Island | 1 | $ 187,000 | $ 187,000 | $ 162,000 |
| Travis County Texas | 1 | $ 600,000 | $ 600,000 | $ 0 |
| Chesterfield County Virginia | 1 | $ 127,000 | $ 127,000 | $ 0 |
| Fairfax City County Virginia | 1 | $ 300,000 | $ 300,000 | $ 0 |
| Frederick County Virginia | 1 | $ 394,000 | $ 394,000 | $ 0 |
| Henrico County Virginia | 1 | $ 241,000 | $ 241,000 | $ 0 |
| Loudoun County Virginia | 1 | $ 327,000 | $ 327,000 | $ 0 |
| Norfolk County Virginia | 1 | $ 208,000 | $ 208,000 | $ 0 |
Mortgage Loan Application Detail Totals for Willow Financial Bank 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 | 507 | $97,451,000 | $325,923 | $1,284,000 | $46,076 | $763,000 |
| Refinancing | 449 | $110,183,000 | $393,533 | $5,029,000 | $114,933 | $1,517,000 |
| Home Improvement | 186 | $9,153,000 | $66,500 | $230,000 | $89,500 | $491,000 |
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 | 978 | $175,863,000 | $352,777 | $1,284,000 | $117,333 | $1,517,000 |
| Not Provided | 54 | $15,014,000 | $359,000 | $750,000 | $12,909 | $164,000 |
| Hispanic | 39 | $5,567,000 | $341,000 | $865,000 | $28,800 | $198,000 |
| Asian | 35 | $7,440,000 | $381,666 | $550,000 | $23,333 | $222,000 |
| Black or African American | 22 | $3,740,000 | $170,000 | $541,000 | $108,000 | $307,000 |
| Not applicable | 10 | $8,605,000 | $860,000 | $5,029,000 | $4,000 | $41,000 |
| American Indian or Alaskan Native | 3 | $428,000 | $142,000 | $307,000 | $103,000 | $116,000 |
| Native Hawaiian or Other Pacific Islander | 1 | $130,000 | $130,000 | $130,000 | $145,000 | $145,000 |
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) | 1,140 | $216,548,000 | $369,736 | $5,029,000 | $109,578 | $1,517,000 |
| FHA-insured (Federal Housing Administration) | 2 | $239,000 | $119,000 | $137,000 | $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 Originated | 945 | $155,818,000 | $208,800 | $5,029,000 | $114,000 | $1,200,000 |
| Loan Purchased By The Institution | 102 | $39,436,000 | $413,400 | $865,000 | $0 | $0 |
| Application Approved But Not Accepted | 46 | $11,653,000 | $237,000 | $720,000 | $108,500 | $763,000 |
| Application Denied By Financial Institution | 23 | $5,451,000 | $365,000 | $720,000 | $51,333 | $150,000 |
| Application Withdrawn By Applicant | 12 | $2,015,000 | $167,000 | $383,000 | $73,000 | $402,000 |
| File Closed For Incompleteness | 12 | $2,158,000 | $245,000 | $565,000 | $435,000 | $1,517,000 |
| Preapproval Approved but not Accepted | 1 | $200,000 | $200,000 | $200,000 | $65,000 | $65,000 |
| Preapproval Denied by Financial Institution | 1 | $56,000 | $56,000 | $56,000 | $20,000 | $20,000 |
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 | 12 | $3,075,000 | $467,000 | $720,000 | $57,000 | $106,000 |
| Credit History | 10 | $1,273,000 | $119,500 | $270,000 | $46,500 | $150,000 |
| Collateral | 1 | $631,000 | $631,000 | $631,000 | $17,000 | $17,000 |
| Other | 1 | $528,000 | $528,000 | $528,000 | $136,000 | $136,000 |
| Unverifiable Information | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit Application Incomplete | 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 Willow Financial Bank'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 Willow Financial Bank'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 Pennsylvania, download the full spreadsheet
with aggregated HMDA statistics today.