Cincinnatus Savings & Loan Mortgage Lending & HMDA Data, 2011
In 2011, Cincinnatus Savings & Loan of Cincinnati, OH reported 177 mortgage applications totaling $19.2 million. The average application was for $108,661, and applicants reported an average income of $105,423. 84% of its applications resulted in an originated loan and 6% were denied. Its largest market was Cincinnati-Middletown, OH-KY-IN (177).
| 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 | 177 |
| Total Mortgage Loan Application Amount | $19,233,000 |
| Average Mortgage Loan Application Amount | $108,661 |
| Highest Mortgage Loan Application Amount | $480,000 |
| Average Applicant Income | $105,423 |
| Highest Applicant Income | $1,153,000 |
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records Cincinnatus Savings & Loan filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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.
Mortgage Loan Application Detail Totals for Cincinnatus Savings & Loan in 2011
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 | 96 | $10,671,000 | $111,000 | $416,000 | $116,000 | $1,153,000 |
| Home Purchase | 75 | $8,347,000 | $111,000 | $480,000 | $94,000 | $658,000 |
| Home Improvement | 6 | $215,000 | $35,000 | $85,000 | $79,000 | $137,000 |
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 | 168 | $18,616,000 | $110,000 | $480,000 | $108,000 | $1,153,000 |
| Black or African American | 5 | $332,000 | $66,000 | $137,000 | $76,000 | $114,000 |
| Hispanic | 2 | $118,000 | $59,000 | $108,000 | $38,000 | $51,000 |
| American Indian or Alaskan Native | 1 | $72,000 | $72,000 | $72,000 | $38,000 | $38,000 |
| Asian | 1 | $95,000 | $95,000 | $95,000 | $35,000 | $35,000 |
| 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 |
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) | 177 | $19,233,000 | $108,000 | $480,000 | $105,000 | $1,153,000 |
| 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 | 148 | $15,536,000 | $104,000 | $480,000 | $103,000 | $658,000 |
| Application Approved But Not Accepted | 10 | $1,346,000 | $134,000 | $416,000 | $200,000 | $1,153,000 |
| Application Denied By Financial Institution | 10 | $1,064,000 | $106,000 | $196,000 | $50,000 | $124,000 |
| Application Withdrawn By Applicant | 6 | $957,000 | $159,000 | $246,000 | $130,000 | $333,000 |
| File Closed For Incompleteness | 3 | $330,000 | $110,000 | $146,000 | $49,000 | $77,000 |
| 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 | 5 | $470,000 | $94,000 | $196,000 | $73,000 | $124,000 |
| Other | 2 | $224,000 | $112,000 | $149,000 | $31,000 | $62,000 |
| Credit History | 2 | $262,000 | $131,000 | $192,000 | $28,000 | $41,000 |
| Collateral | 1 | $108,000 | $108,000 | $108,000 | $26,000 | $26,000 |
| Credit Application Incomplete | 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 Cincinnatus Savings & Loan's 2011 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.
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