Steubenville-Weirton, OH-WV Metro Area Mortgage Lenders & HMDA Data, 2003
In 2003, lenders reported 5,869 mortgage applications in Steubenville-Weirton, OH-WV metro area totaling $394.7 million. The average application was for $67,247, and applicants reported an average income of $51,000. 54% of applications resulted in an originated loan and 21% were denied. The most active lender was Sky Bank C/O Huntington Bank, with 1,403 applications, followed by Advance Financial Savings Bank and Bank One, NA.
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Top Mortgage Lenders in Steubenville-Weirton, OH-WV Metro Area (2003)
Ranked by the number of mortgage applications each lender reported in Steubenville-Weirton, OH-WV metro area in 2003.
| # | Mortgage Lender | Mortgage Applications | Total Dollar Amount | Average Loan Amount | Average Applicant Income |
|---|---|---|---|---|---|
| 1 | Sky Bank C/O Huntington Bank Bowling Green, OH |
1,403 | $89,221,000 | $63,000 | $66,000 |
| 2 | Advance Financial Savings Bank Shadyside, OH |
387 | $29,050,000 | $75,000 | $87,000 |
| 3 | Bank One, NA Utica, MI |
287 | $15,748,000 | $54,000 | $46,000 |
| 4 | Beneficial Elmhurst, IL |
245 | $16,536,000 | $67,000 | $41,000 |
| 5 | Countrywide Home Loans Westlake Village, CA |
182 | $13,599,000 | $74,000 | $45,000 |
| 6 | Abn Amro Mtg Group Inc New York, NY |
168 | $12,527,000 | $74,000 | $44,000 |
| 7 | Ameriquest Mortgage Company Orange, CA |
156 | $13,396,000 | $85,000 | $57,000 |
| 8 | US Bank, N.A. Milwaukee, WI |
147 | $10,051,000 | $68,000 | $36,000 |
| 9 | National City Bank Cleveland, OH |
136 | $7,248,000 | $53,000 | $45,000 |
| 10 | Citifinancial, Inc Baltimore, MD |
133 | $6,539,000 | $49,000 | $35,000 |
See every lender active in Steubenville-Weirton, OH-WV metro area in 2003 »
The tables below break down 2003 mortgage applications in Steubenville-Weirton, OH-WV metro area by loan purpose, applicant race, loan type, outcome and denial reason. Click a column heading to sort.
Mortgage Loan Application Detail Totals for Steubenville-Weirton, OH-WV 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) | 4,329 | $308,155,000 | $71,000 | $1,260,000 | $55,000 | $5,500,000 |
| Home Purchase (one-to-four family) | 1,080 | $75,084,000 | $69,000 | $900,000 | $43,000 | $1,156,000 |
| Home Improvement (one-to-four family) | 451 | $9,695,000 | $21,000 | $137,000 | $45,000 | $307,000 |
| Multifamily dwelling (home purchase, home improvement, and refinancings) | 9 | $1,744,000 | $193,000 | $458,000 | $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 | 4,329 | $283,946,000 | $65,000 | $900,000 | $45,000 | $1,156,000 |
| Information not provided by applicant in mail or telephone application | 1,130 | $82,483,000 | $72,000 | $373,000 | $62,000 | $5,500,000 |
| Not applicable | 162 | $10,441,000 | $64,000 | $240,000 | $9,000 | $276,000 |
| Black | 135 | $6,583,000 | $48,000 | $176,000 | $37,000 | $135,000 |
| Other | 55 | $4,166,000 | $75,000 | $348,000 | $94,000 | $884,000 |
| Hispanic | 28 | $1,715,000 | $61,000 | $150,000 | $83,000 | $612,000 |
| Asian or Pacific Islander | 20 | $4,786,000 | $239,000 | $1,260,000 | $148,000 | $691,000 |
| American Indian or Alaskan Native | 10 | $558,000 | $55,000 | $76,000 | $29,000 | $42,000 |
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) | 5,566 | $375,133,000 | $67,000 | $1,260,000 | $54,000 | $5,500,000 |
| FHA-insured (Federal Housing Administration) | 215 | $13,421,000 | $62,000 | $157,000 | $21,000 | $101,000 |
| VA-guaranteed (Veterans Administration) | 51 | $3,887,000 | $76,000 | $184,000 | $22,000 | $79,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 37 | $2,237,000 | $60,000 | $117,000 | $20,000 | $53,000 |
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 | 3,192 | $213,407,000 | $66,000 | $900,000 | $52,000 | $1,156,000 |
| Application Denied By Financial Institution | 1,208 | $73,980,000 | $61,000 | $373,000 | $56,000 | $5,500,000 |
| Application Withdrawn By Applicant | 574 | $45,201,000 | $78,000 | $504,000 | $52,000 | $444,000 |
| Application Approved But Not Accepted | 428 | $29,790,000 | $69,000 | $1,260,000 | $52,000 | $691,000 |
| Loan Purchased By The Institution | 316 | $22,149,000 | $70,000 | $264,000 | $24,000 | $288,000 |
| File Closed For Incompleteness | 151 | $10,151,000 | $67,000 | $373,000 | $52,000 | $720,000 |
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 |
|---|---|---|---|---|---|---|
| Credit History | 287 | $14,792,000 | $51,000 | $240,000 | $42,000 | $612,000 |
| Collateral | 132 | $9,393,000 | $71,000 | $373,000 | $46,000 | $282,000 |
| Other | 105 | $7,112,000 | $67,000 | $348,000 | $40,000 | $121,000 |
| Debt-To-Income Ratio | 100 | $6,897,000 | $68,000 | $300,000 | $44,000 | $454,000 |
| Credit Application Incomplete | 88 | $5,673,000 | $64,000 | $254,000 | $52,000 | $261,000 |
| Employment History | 9 | $463,000 | $51,000 | $108,000 | $35,000 | $60,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 6 | $381,000 | $63,000 | $140,000 | $75,000 | $126,000 |
| Unverifiable Information | 2 | $269,000 | $134,000 | $208,000 | $48,000 | $72,000 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
About this data: figures come from the Home Mortgage Disclosure Act (HMDA) loan application records that lenders file with the FFIEC each year, and count every application (approved, denied, withdrawn or purchased), not just closed loans. Applications reported at $100 million or more are left out of these totals.
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