The Commercial & Savings Bank Mortgage Lending & HMDA Data, 2025
In 2025, The Commercial & Savings Bank of Millersburg, OH reported 240 mortgage applications totaling $59.2 million, about the same as 2024. The average application was for $246,833, and applicants reported an average income of $127,554. 88% of its applications resulted in an originated loan and 5% were denied. Its largest markets were Canton-Massillon, OH (26), Akron, OH (16) and Cleveland, OH (14) (applications in parentheses).
| Mortgage Company & Address | The Commercial & Savings Bank 91 North Clay Street Millersburg, OH 44654 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 2010 2009 |
| Total Number of Mortgage Applications | 240 |
| Total Mortgage Loan Application Amount | $59,240,000 |
| Average Mortgage Loan Application Amount | $246,833 |
| Highest Mortgage Loan Application Amount | $1,295,000 |
| Average Applicant Income | $127,554 |
| Highest Applicant Income | $797,000 |
About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records The Commercial & Savings Bank filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 |
|---|---|---|---|---|
| Wayne, Ohio | 56 | $ 14,080,000 | $ 251,428 | $ 129,000 |
| Tuscarawas, Ohio | 48 | $ 10,550,000 | $ 219,791 | $ 111,000 |
| Holmes, Ohio | 42 | $ 10,740,000 | $ 255,714 | $ 144,000 |
| Stark, Ohio | 24 | $ 5,960,000 | $ 248,333 | $ 154,000 |
| Summit, Ohio | 15 | $ 4,075,000 | $ 271,666 | $ 101,000 |
| Coshocton, Ohio | 10 | $ 2,080,000 | $ 208,000 | $ 74,000 |
| Cuyahoga, Ohio | 6 | $ 1,400,000 | $ 233,333 | $ 124,000 |
| Medina, Ohio | 6 | $ 2,970,000 | $ 495,000 | $ 231,000 |
| Ashland, Ohio | 4 | $ 670,000 | $ 167,500 | $ 91,000 |
| Knox, Ohio | 4 | $ 1,200,000 | $ 300,000 | $ 131,000 |
| Franklin, Ohio | 3 | $ 545,000 | $ 181,666 | $ 121,000 |
| Sarasota, Florida | 2 | $ 570,000 | $ 285,000 | $ 160,000 |
| Carroll, Ohio | 2 | $ 380,000 | $ 190,000 | $ 165,000 |
| Delaware, Ohio | 2 | $ 630,000 | $ 315,000 | $ 135,000 |
| Harrison, Ohio | 2 | $ 190,000 | $ 95,000 | $ 70,000 |
| Lorain, Ohio | 2 | $ 720,000 | $ 360,000 | $ 139,000 |
| Mahoning, Ohio | 2 | $ 470,000 | $ 235,000 | $ 193,000 |
| Morrow, Ohio | 2 | $ 410,000 | $ 205,000 | $ 127,000 |
| Bryan, Georgia | 1 | $ 355,000 | $ 355,000 | $ 152,000 |
| Columbiana, Ohio | 1 | $ 195,000 | $ 195,000 | $ 124,000 |
| Muskingum, Ohio | 1 | $ 265,000 | $ 265,000 | $ 0 |
| Noble, Ohio | 1 | $ 185,000 | $ 185,000 | $ 0 |
| Ottawa, Ohio | 1 | $ 245,000 | $ 245,000 | $ 67,000 |
| Portage, Ohio | 1 | $ 195,000 | $ 195,000 | $ 167,000 |
| Trumbull, Ohio | 1 | $ 105,000 | $ 105,000 | $ 111,000 |
| Vinton, Ohio | 1 | $ 55,000 | $ 55,000 | $ 56,000 |
Mortgage Loan Application Detail Totals for The Commercial & Savings Bank 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 | 180 | $47,500,000 | $263,000 | $1,295,000 | $129,000 | $676,000 |
| Cash-out Refinancing | 23 | $3,625,000 | $157,000 | $405,000 | $116,000 | $609,000 |
| Refinancing | 18 | $4,240,000 | $235,000 | $1,005,000 | $149,000 | $797,000 |
| Other Purpose | 10 | $1,940,000 | $194,000 | $405,000 | $117,000 | $187,000 |
| Home Improvement | 9 | $1,935,000 | $215,000 | $655,000 | $97,000 | $101,000 |
| Not Applicable | 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 | 199 | $48,515,000 | $243,000 | $1,005,000 | $125,000 | $797,000 |
| Not applicable | 28 | $7,130,000 | $254,000 | $1,145,000 | $0 | $0 |
| Not Provided | 6 | $750,000 | $125,000 | $295,000 | $134,000 | $361,000 |
| Hispanic | 6 | $2,750,000 | $458,000 | $1,295,000 | $230,000 | $676,000 |
| American Indian or Alaskan Native | 1 | $95,000 | $95,000 | $95,000 | $123,000 | $123,000 |
| Asian | 0 | $0 | $0 | $0 | $0 | $0 |
| Black or African American | 0 | $0 | $0 | $0 | $0 | $0 |
| Native Hawaiian or Other Pacific Islander | 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) | 240 | $59,240,000 | $246,000 | $1,295,000 | $128,000 | $797,000 |
| 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 | 212 | $54,070,000 | $255,000 | $1,295,000 | $129,000 | $797,000 |
| Application Denied By Financial Institution | 13 | $2,265,000 | $174,000 | $405,000 | $91,000 | $167,000 |
| Application Withdrawn By Applicant | 13 | $2,515,000 | $193,000 | $345,000 | $142,000 | $361,000 |
| File Closed For Incompleteness | 2 | $390,000 | $195,000 | $225,000 | $143,000 | $187,000 |
| 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 | 240 | $59,240,000 | $246,000 | $1,295,000 | $128,000 | $797,000 |
| 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 The Commercial & Savings Bank'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 The Commercial & Savings Bank'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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