Cincinnatus Savings & Loan Mortgage Lending & HMDA Data, 2024
In 2024, Cincinnatus Savings & Loan of Cincinnati, OH reported 52 mortgage applications totaling $16.5 million, up 11% from 2023. The average application was for $317,692, and applicants reported an average income of $151,653. 79% of its applications resulted in an originated loan and 4% were denied. Its largest market was Cincinnati, OH-KY-IN (52).
| 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 | 52 |
| Total Mortgage Loan Application Amount | $16,520,000 |
| Average Mortgage Loan Application Amount | $317,692 |
| Highest Mortgage Loan Application Amount | $1,165,000 |
| Average Applicant Income | $151,653 |
| Highest Applicant Income | $437,000 |
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records Cincinnatus Savings & Loan filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 | 34 | $ 9,770,000 | $ 287,352 | $ 142,000 |
| Franklin, Indiana | 4 | $ 1,950,000 | $ 487,500 | $ 162,000 |
| Butler, Ohio | 4 | $ 440,000 | $ 110,000 | $ 118,000 |
| Kenton, Kentucky | 3 | $ 485,000 | $ 161,666 | $ 122,000 |
| Clermont, Ohio | 2 | $ 950,000 | $ 475,000 | $ 185,000 |
| Warren, Ohio | 2 | $ 1,890,000 | $ 945,000 | $ 314,000 |
| Dearborn, Indiana | 1 | $ 305,000 | $ 305,000 | $ 105,000 |
| Boone, Kentucky | 1 | $ 235,000 | $ 235,000 | $ 85,000 |
| Brown, Ohio | 1 | $ 495,000 | $ 495,000 | $ 191,000 |
Mortgage Loan Application Detail Totals for Cincinnatus Savings & Loan in 2024
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 | 40 | $12,950,000 | $323,000 | $995,000 | $134,000 | $400,000 |
| Cash-out Refinancing | 6 | $1,640,000 | $273,000 | $655,000 | $222,000 | $437,000 |
| Refinancing | 5 | $1,855,000 | $371,000 | $1,165,000 | $208,000 | $428,000 |
| Home Improvement | 1 | $75,000 | $75,000 | $75,000 | $154,000 | $154,000 |
| 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 | 44 | $13,700,000 | $311,000 | $995,000 | $150,000 | $437,000 |
| Asian | 3 | $1,715,000 | $571,000 | $1,165,000 | $211,000 | $428,000 |
| Hispanic | 2 | $340,000 | $170,000 | $255,000 | $53,000 | $75,000 |
| Not applicable | 2 | $600,000 | $300,000 | $345,000 | $0 | $0 |
| Black or African American | 1 | $165,000 | $165,000 | $165,000 | $50,000 | $50,000 |
| Native Hawaiian or Other Pacific Islander | 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 |
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) | 52 | $16,520,000 | $317,000 | $1,165,000 | $148,000 | $437,000 |
| 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 | 41 | $13,905,000 | $339,000 | $1,165,000 | $149,000 | $428,000 |
| Application Withdrawn By Applicant | 8 | $2,320,000 | $290,000 | $555,000 | $172,000 | $437,000 |
| Application Denied By Financial Institution | 2 | $220,000 | $110,000 | $135,000 | $36,000 | $42,000 |
| File Closed For Incompleteness | 1 | $75,000 | $75,000 | $75,000 | $154,000 | $154,000 |
| 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 | 52 | $16,520,000 | $317,000 | $1,165,000 | $148,000 | $437,000 |
| 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 2024 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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