Your Home Financial LLC Mortgage Lending & HMDA Data, 2021
In 2021, Your Home Financial LLC of Fort Washington, PA reported 862 mortgage applications totaling $140.9 million, up 34% from 2020. The average application was for $163,439, and applicants reported an average income of $84,256. 65% of its applications resulted in an originated loan and 6% were denied. Its largest markets were Cleveland-Elyria, OH (632), Akron, OH (66) and Toledo, OH (20) (applications in parentheses).
| Mortgage Company & Address | Your Home Financial LLC 1015 Virginia Drive, Suite 210 Fort Washington, PA 19034 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2025 2024 2023 2022 2021 2020 |
| Total Number of Mortgage Applications | 862 |
| Total Mortgage Loan Application Amount | $140,885,000 |
| Average Mortgage Loan Application Amount | $163,439 |
| Highest Mortgage Loan Application Amount | $1,005,000 |
| Average Applicant Income | $84,256 |
| Highest Applicant Income | $1,814,000 |
About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records Your Home Financial LLC filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans. Applications reported at $100 million or more are left out of these totals.
Mortgage Loan Application Detail Totals for Your Home Financial LLC in 2021
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 | 633 | $106,450,000 | $168,000 | $1,005,000 | $80,000 | $1,673,000 |
| Refinancing | 120 | $19,240,000 | $160,000 | $485,000 | $79,000 | $390,000 |
| Cash-out Refinancing | 91 | $15,015,000 | $165,000 | $445,000 | $125,000 | $1,814,000 |
| Other Purpose | 18 | $180,000 | $10,000 | $85,000 | $63,000 | $384,000 |
| Home Improvement | 0 | $0 | $0 | $0 | $0 | $0 |
| 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 | 705 | $118,210,000 | $167,000 | $1,005,000 | $86,000 | $1,814,000 |
| Hispanic | 54 | $6,980,000 | $129,000 | $385,000 | $76,000 | $500,000 |
| Black or African American | 45 | $5,735,000 | $127,000 | $375,000 | $59,000 | $145,000 |
| Not Provided | 42 | $7,230,000 | $172,000 | $375,000 | $79,000 | $238,000 |
| Asian | 8 | $1,100,000 | $137,000 | $175,000 | $72,000 | $154,000 |
| Not applicable | 4 | $520,000 | $130,000 | $155,000 | $0 | $0 |
| American Indian or Alaskan Native | 3 | $945,000 | $315,000 | $465,000 | $140,000 | $264,000 |
| Native Hawaiian or Other Pacific Islander | 1 | $165,000 | $165,000 | $165,000 | $69,000 | $69,000 |
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) | 613 | $102,730,000 | $167,000 | $1,005,000 | $95,000 | $1,814,000 |
| FHA-insured (Federal Housing Administration) | 197 | $28,475,000 | $144,000 | $325,000 | $57,000 | $162,000 |
| VA-guaranteed (Veterans Administration) | 40 | $8,290,000 | $207,000 | $435,000 | $69,000 | $176,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 12 | $1,390,000 | $115,000 | $195,000 | $44,000 | $76,000 |
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 | 560 | $95,860,000 | $171,000 | $725,000 | $81,000 | $1,003,000 |
| Application Withdrawn By Applicant | 242 | $37,825,000 | $156,000 | $1,005,000 | $97,000 | $1,814,000 |
| Application Denied By Financial Institution | 53 | $6,925,000 | $130,000 | $445,000 | $66,000 | $328,000 |
| Application Approved But Not Accepted | 6 | $30,000 | $5,000 | $5,000 | $52,000 | $83,000 |
| File Closed For Incompleteness | 1 | $245,000 | $245,000 | $245,000 | $60,000 | $60,000 |
| 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 |
|---|---|---|---|---|---|---|
| Not applicable | 809 | $133,960,000 | $165,000 | $1,005,000 | $85,000 | $1,814,000 |
| Credit Application Incomplete | 22 | $3,550,000 | $161,000 | $445,000 | $94,000 | $300,000 |
| Debt-To-Income Ratio | 14 | $1,450,000 | $103,000 | $245,000 | $29,000 | $51,000 |
| Credit History | 5 | $685,000 | $137,000 | $305,000 | $45,000 | $75,000 |
| Collateral | 4 | $230,000 | $57,000 | $75,000 | $36,000 | $45,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 3 | $115,000 | $38,000 | $105,000 | $47,000 | $75,000 |
| Other | 2 | $300,000 | $150,000 | $155,000 | $43,000 | $50,000 |
| Employment History | 2 | $510,000 | $255,000 | $405,000 | $178,000 | $328,000 |
| Unverifiable Information | 1 | $85,000 | $85,000 | $85,000 | $39,000 | $39,000 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Your Home Financial LLC's 2021 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 Your Home Financial LLC'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.
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