Cincinnatus Savings & Loan Mortgage Lending & HMDA Data, 2019
In 2019, Cincinnatus Savings & Loan of Cincinnati, OH reported 112 mortgage applications totaling $26.0 million, down 7% from 2018. The average application was for $232,053, and applicants reported an average income of $129,419. 77% of its applications resulted in an originated loan and 11% were denied. Its largest markets were Cincinnati, OH-KY-IN (107), Naples-Immokalee-Marco Island, FL (2) and Dayton-Springfield-Kettering, OH (1) (applications in parentheses).
| Mortgage Company & Address | Cincinnatus Savings & Loan 3300 Harrison Ave Cincinnati, OH 45211 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2025 2024 2023 2022 2021 2020 2019 2018 2017 2016 2015 2014 2013 2012 2011 |
| Total Number of Mortgage Applications | 112 |
| Total Mortgage Loan Application Amount | $25,990,000 |
| Average Mortgage Loan Application Amount | $232,053 |
| Highest Mortgage Loan Application Amount | $2,005,000 |
| Average Applicant Income | $129,419 |
| Highest Applicant Income | $656,000 |
About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records Cincinnatus Savings & Loan filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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.
| County | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loans Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Hamilton, Ohio | 83 | $ 19,115,000 | $ 230,301 | $ 130,000 |
| Butler, Ohio | 9 | $ 1,545,000 | $ 171,666 | $ 87,000 |
| Warren, Ohio | 5 | $ 1,375,000 | $ 275,000 | $ 91,000 |
| Dearborn, Indiana | 4 | $ 770,000 | $ 192,500 | $ 84,000 |
| Boone, Kentucky | 4 | $ 1,800,000 | $ 450,000 | $ 283,000 |
| Collier, Florida | 2 | $ 420,000 | $ 210,000 | $ 207,000 |
| Kenton, Kentucky | 2 | $ 460,000 | $ 230,000 | $ 105,000 |
| Brown, Indiana | 1 | $ 205,000 | $ 205,000 | $ 274,000 |
| Owen, Kentucky | 1 | $ 225,000 | $ 225,000 | $ 95,000 |
| Montgomery, Ohio | 1 | $ 75,000 | $ 75,000 | $ 29,000 |
Mortgage Loan Application Detail Totals for Cincinnatus Savings & Loan in 2019
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 | 55 | $14,325,000 | $260,000 | $2,005,000 | $125,000 | $550,000 |
| Refinancing | 40 | $9,460,000 | $236,000 | $955,000 | $146,000 | $656,000 |
| Cash-out Refinancing | 12 | $1,470,000 | $122,000 | $235,000 | $80,000 | $190,000 |
| Home Improvement | 5 | $735,000 | $147,000 | $305,000 | $164,000 | $333,000 |
| 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 | 107 | $24,815,000 | $231,000 | $2,005,000 | $131,000 | $656,000 |
| Black or African American | 3 | $765,000 | $255,000 | $415,000 | $138,000 | $258,000 |
| Hispanic | 2 | $410,000 | $205,000 | $245,000 | $55,000 | $67,000 |
| Native Hawaiian or Other Pacific Islander | 0 | $0 | $0 | $0 | $0 | $0 |
| Not applicable | 0 | $0 | $0 | $0 | $0 | $0 |
| Not Provided | 0 | $0 | $0 | $0 | $0 | $0 |
| American Indian or Alaskan Native | 0 | $0 | $0 | $0 | $0 | $0 |
| Asian | 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) | 112 | $25,990,000 | $232,000 | $2,005,000 | $130,000 | $656,000 |
| FHA-insured (Federal Housing Administration) | 0 | $0 | $0 | $0 | $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 | 86 | $19,160,000 | $222,000 | $955,000 | $135,000 | $656,000 |
| Application Denied By Financial Institution | 12 | $3,770,000 | $314,000 | $2,005,000 | $96,000 | $426,000 |
| Application Withdrawn By Applicant | 12 | $2,890,000 | $240,000 | $995,000 | $141,000 | $550,000 |
| File Closed For Incompleteness | 2 | $170,000 | $85,000 | $135,000 | $53,000 | $69,000 |
| Application Approved But Not Accepted | 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 |
|---|---|---|---|---|---|---|
| Debt-To-Income Ratio | 112 | $25,990,000 | $232,000 | $2,005,000 | $130,000 | $656,000 |
| 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 |
| Not applicable | 0 | $0 | $0 | $0 | $0 | $0 |
| Other | 0 | $0 | $0 | $0 | $0 | $0 |
| Unverifiable Information | 0 | $0 | $0 | $0 | $0 | $0 |
| Collateral | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit History | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Cincinnatus Savings & Loan's 2019 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 Cincinnatus Savings & Loan'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 Ohio, download the full spreadsheet
with aggregated HMDA statistics today.
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