American Savings Bank, FSB Mortgage Lending & HMDA Data, 2018
In 2018, American Savings Bank, FSB of Portsmouth, OH reported 166 mortgage applications totaling $30.1 million, down 85% from 2017. The average application was for $181,024, and applicants reported an average income of $101,259. 74% of its applications resulted in an originated loan and 3% were denied. Its largest markets were Cincinnati, OH-KY-IN (113), Dayton, OH (17) and Huntington-Ashland, WV-KY-OH (2) (applications in parentheses).
| Mortgage Company & Address | American Savings Bank, FSB 503 Chillicothe Street Portsmouth, OH 45662 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2018 2017 2016 2015 2014 2013 2012 2011 |
| Total Number of Mortgage Applications | 166 |
| Total Mortgage Loan Application Amount | $30,050,000 |
| Average Mortgage Loan Application Amount | $181,024 |
| Highest Mortgage Loan Application Amount | $555,000 |
| Average Applicant Income | $101,259 |
| Highest Applicant Income | $562,000 |
About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records American Savings Bank, FSB filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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.
| Metro Area | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Cincinnati, OH-KY-IN | 113 | $ 21,715,000 | $ 192,168 | $ 104,194 |
| Outside any metro area | 30 | $ 3,590,000 | $ 119,666 | $ 90,400 |
| Dayton, OH | 17 | $ 4,085,000 | $ 240,294 | $ 99,000 |
| Huntington-Ashland, WV-KY-OH | 2 | $ 90,000 | $ 45,000 | $ 93,000 |
| Cleveland-Elyria, OH | 1 | $ 195,000 | $ 195,000 | $ 129,000 |
| Columbus, OH | 1 | $ 95,000 | $ 95,000 | $ 40,000 |
| Indianapolis-Carmel-Anderson, IN | 1 | $ 195,000 | $ 195,000 | $ 104,000 |
| Lima, OH | 1 | $ 85,000 | $ 85,000 | $ 77,000 |
Mortgage Loan Application Detail Totals for American Savings 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 | 134 | $24,780,000 | $184,000 | $555,000 | $101,000 | $562,000 |
| Refinancing | 26 | $4,440,000 | $170,000 | $455,000 | $106,000 | $258,000 |
| Cash-out Refinancing | 5 | $825,000 | $165,000 | $375,000 | $96,000 | $172,000 |
| Home Improvement | 1 | $5,000 | $5,000 | $5,000 | $39,000 | $39,000 |
| Not Applicable | 0 | $0 | $0 | $0 | $0 | $0 |
| Other Purpose | 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 | 145 | $25,365,000 | $174,000 | $555,000 | $103,000 | $562,000 |
| Asian | 9 | $1,935,000 | $215,000 | $455,000 | $69,000 | $182,000 |
| Black or African American | 5 | $1,175,000 | $235,000 | $295,000 | $90,000 | $140,000 |
| Not Provided | 4 | $1,000,000 | $250,000 | $445,000 | $104,000 | $192,000 |
| Not applicable | 2 | $300,000 | $150,000 | $265,000 | $0 | $0 |
| Hispanic | 1 | $275,000 | $275,000 | $275,000 | $97,000 | $97,000 |
| Native Hawaiian or Other Pacific Islander | 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) | 134 | $24,540,000 | $183,000 | $555,000 | $108,000 | $562,000 |
| FHA-insured (Federal Housing Administration) | 23 | $3,815,000 | $165,000 | $295,000 | $76,000 | $156,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 7 | $1,025,000 | $146,000 | $205,000 | $52,000 | $78,000 |
| VA-guaranteed (Veterans Administration) | 2 | $670,000 | $335,000 | $425,000 | $126,000 | $189,000 |
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 | 123 | $21,365,000 | $173,000 | $555,000 | $100,000 | $390,000 |
| Application Withdrawn By Applicant | 37 | $7,375,000 | $199,000 | $465,000 | $103,000 | $562,000 |
| Application Denied By Financial Institution | 5 | $885,000 | $177,000 | $455,000 | $102,000 | $190,000 |
| Application Approved But Not Accepted | 1 | $425,000 | $425,000 | $425,000 | $189,000 | $189,000 |
| 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 |
|---|---|---|---|---|---|---|
| Not applicable | 161 | $29,165,000 | $181,000 | $555,000 | $101,000 | $562,000 |
| Credit History | 3 | $325,000 | $108,000 | $245,000 | $77,000 | $175,000 |
| Debt-To-Income Ratio | 1 | $455,000 | $455,000 | $455,000 | $190,000 | $190,000 |
| Collateral | 1 | $105,000 | $105,000 | $105,000 | $90,000 | $90,000 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
| Other | 0 | $0 | $0 | $0 | $0 | $0 |
| 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 American Savings 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 American Savings 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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