The Commercial & Savings Bank Mortgage Lending & HMDA Data, 2014
In 2014, The Commercial & Savings Bank of Millersburg, OH reported 382 mortgage applications totaling $45.4 million, about the same as 2013. The average application was for $118,816, and applicants reported an average income of $66,934. 79% of its applications resulted in an originated loan and 11% were denied. Its largest markets were Canton-Massillon, OH (24), Columbus, OH (2) and Akron, OH (1) (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 | 382 |
| Total Mortgage Loan Application Amount | $45,388,000 |
| Average Mortgage Loan Application Amount | $118,816 |
| Highest Mortgage Loan Application Amount | $1,181,000 |
| Average Applicant Income | $66,934 |
| Highest Applicant Income | $930,000 |
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records The Commercial & Savings Bank filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 |
|---|---|---|---|---|
| Holmes, Ohio | 131 | $ 16,179,000 | $ 123,503 | $ 70,000 |
| Tuscarawas, Ohio | 128 | $ 13,030,000 | $ 101,796 | $ 55,000 |
| Wayne, Ohio | 68 | $ 8,191,000 | $ 120,455 | $ 65,000 |
| Stark, Ohio | 24 | $ 3,237,000 | $ 134,875 | $ 110,000 |
| Coshocton, Ohio | 16 | $ 1,715,000 | $ 107,187 | $ 44,000 |
| Ashland, Ohio | 3 | $ 376,000 | $ 125,333 | $ 100,000 |
| Harrison, Ohio | 2 | $ 153,000 | $ 76,500 | $ 84,000 |
| Knox, Ohio | 2 | $ 257,000 | $ 128,500 | $ 109,000 |
| Summit, Colorado | 1 | $ 319,000 | $ 319,000 | $ 117,000 |
| Collier, Florida | 1 | $ 1,181,000 | $ 1,181,000 | $ 296,000 |
| Bartow, Georgia | 1 | $ 116,000 | $ 116,000 | $ 85,000 |
| Fairfield, Ohio | 1 | $ 153,000 | $ 153,000 | $ 86,000 |
| Franklin, Ohio | 1 | $ 4,000 | $ 4,000 | $ 33,000 |
| Muskingum, Ohio | 1 | $ 50,000 | $ 50,000 | $ 104,000 |
| Summit, Ohio | 1 | $ 119,000 | $ 119,000 | $ 40,000 |
| Union, Pennsylvania | 1 | $ 308,000 | $ 308,000 | $ 300,000 |
Mortgage Loan Application Detail Totals for The Commercial & Savings Bank in 2014
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 | 185 | $22,694,000 | $122,000 | $1,181,000 | $71,000 | $930,000 |
| Home Purchase | 152 | $19,921,000 | $131,000 | $600,000 | $67,000 | $357,000 |
| Home Improvement | 45 | $2,773,000 | $61,000 | $253,000 | $50,000 | $182,000 |
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 | 362 | $41,972,000 | $115,000 | $1,181,000 | $68,000 | $930,000 |
| Not applicable | 9 | $2,134,000 | $237,000 | $870,000 | $0 | $0 |
| Hispanic | 5 | $608,000 | $121,000 | $180,000 | $52,000 | $80,000 |
| Not Provided | 4 | $468,000 | $117,000 | $171,000 | $117,000 | $345,000 |
| American Indian or Alaskan Native | 2 | $206,000 | $103,000 | $128,000 | $78,000 | $90,000 |
| 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) | 378 | $45,062,000 | $119,000 | $1,181,000 | $67,000 | $930,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 4 | $326,000 | $81,000 | $115,000 | $50,000 | $83,000 |
| VA-guaranteed (Veterans Administration) | 0 | $0 | $0 | $0 | $0 | $0 |
| FHA-insured (Federal Housing 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 | 301 | $34,525,000 | $114,000 | $1,181,000 | $66,000 | $357,000 |
| Application Denied By Financial Institution | 43 | $4,927,000 | $114,000 | $870,000 | $50,000 | $96,000 |
| Application Withdrawn By Applicant | 17 | $1,999,000 | $117,000 | $209,000 | $72,000 | $345,000 |
| Application Approved But Not Accepted | 17 | $3,442,000 | $202,000 | $775,000 | $133,000 | $930,000 |
| File Closed For Incompleteness | 4 | $495,000 | $123,000 | $153,000 | $56,000 | $90,000 |
| 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 |
|---|---|---|---|---|---|---|
| Credit History | 14 | $1,349,000 | $96,000 | $235,000 | $54,000 | $96,000 |
| Collateral | 13 | $1,348,000 | $103,000 | $253,000 | $59,000 | $91,000 |
| Debt-To-Income Ratio | 10 | $1,058,000 | $105,000 | $172,000 | $46,000 | $90,000 |
| Other | 2 | $193,000 | $96,000 | $171,000 | $10,000 | $21,000 |
| Unverifiable Information | 1 | $48,000 | $48,000 | $48,000 | $73,000 | $73,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 1 | $37,000 | $37,000 | $37,000 | $29,000 | $29,000 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
| Employment History | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into The Commercial & Savings Bank's 2014 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.
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with aggregated HMDA statistics today.
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