Cincinnatus Savings & Loan Mortgage Lending & HMDA Data, 2025
In 2025, Cincinnatus Savings & Loan of Cincinnati, OH reported 91 mortgage applications totaling $29.3 million, up 75% from 2024. The average application was for $322,032, and applicants reported an average income of $145,120. 76% of its applications resulted in an originated loan and 10% were denied. Its largest markets were Cincinnati, OH-KY-IN (89) and North Port-Sarasota-Bradenton, FL (1).
| 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 | 91 |
| Total Mortgage Loan Application Amount | $29,305,000 |
| Average Mortgage Loan Application Amount | $322,032 |
| Highest Mortgage Loan Application Amount | $2,255,000 |
| Average Applicant Income | $145,120 |
| Highest Applicant Income | $554,000 |
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records Cincinnatus Savings & Loan filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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.
| 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 | 89 | $ 28,765,000 | $ 323,202 | $ 144,134 |
| Outside any metro area | 1 | $ 165,000 | $ 165,000 | $ 93,000 |
| North Port-Sarasota-Bradenton, FL | 1 | $ 375,000 | $ 375,000 | $ 230,000 |
Mortgage Loan Application Detail Totals for Cincinnatus Savings & Loan in 2025
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 | 59 | $22,975,000 | $389,000 | $2,255,000 | $163,000 | $554,000 |
| Refinancing | 19 | $3,765,000 | $198,000 | $375,000 | $107,000 | $376,000 |
| Cash-out Refinancing | 9 | $1,485,000 | $165,000 | $385,000 | $92,000 | $214,000 |
| Home Improvement | 4 | $1,080,000 | $270,000 | $785,000 | $182,000 | $388,000 |
| 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 | 80 | $23,940,000 | $299,000 | $1,575,000 | $140,000 | $554,000 |
| Not applicable | 4 | $3,110,000 | $777,000 | $2,255,000 | $0 | $0 |
| Asian | 3 | $1,415,000 | $471,000 | $765,000 | $237,000 | $450,000 |
| Black or African American | 3 | $755,000 | $251,000 | $385,000 | $182,000 | $269,000 |
| Hispanic | 1 | $85,000 | $85,000 | $85,000 | $110,000 | $110,000 |
| 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) | 91 | $29,305,000 | $322,000 | $2,255,000 | $144,000 | $554,000 |
| 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 | 69 | $23,305,000 | $337,000 | $2,255,000 | $152,000 | $554,000 |
| Application Withdrawn By Applicant | 11 | $3,745,000 | $340,000 | $1,575,000 | $130,000 | $525,000 |
| Application Denied By Financial Institution | 9 | $1,985,000 | $220,000 | $385,000 | $123,000 | $269,000 |
| Application Approved But Not Accepted | 1 | $165,000 | $165,000 | $165,000 | $107,000 | $107,000 |
| File Closed For Incompleteness | 1 | $105,000 | $105,000 | $105,000 | $70,000 | $70,000 |
| 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 |
|---|---|---|---|---|---|---|
| Debt-To-Income Ratio | 91 | $29,305,000 | $322,000 | $2,255,000 | $144,000 | $554,000 |
| 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 2025 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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