The Commercial & Savings Bank Mortgage Lending & HMDA Data, 2019
In 2019, The Commercial & Savings Bank of Millersburg, OH reported 363 mortgage applications totaling $61.7 million, up 13% from 2018. The average application was for $170,013, and applicants reported an average income of $92,239. 88% of its applications resulted in an originated loan and 5% were denied. Its largest markets were Canton-Massillon, OH (28), Akron, OH (22) and Cleveland-Elyria, OH (4) (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 | 363 |
| Total Mortgage Loan Application Amount | $61,715,000 |
| Average Mortgage Loan Application Amount | $170,013 |
| Highest Mortgage Loan Application Amount | $1,575,000 |
| Average Applicant Income | $92,239 |
| Highest Applicant Income | $1,088,000 |
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records The Commercial & Savings Bank filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 | 128 | $ 23,500,000 | $ 183,593 | $ 91,000 |
| Tuscarawas, Ohio | 77 | $ 11,695,000 | $ 151,883 | $ 84,000 |
| Wayne, Ohio | 74 | $ 11,660,000 | $ 157,567 | $ 87,000 |
| Stark, Ohio | 26 | $ 4,820,000 | $ 185,384 | $ 81,000 |
| Summit, Ohio | 18 | $ 2,690,000 | $ 149,444 | $ 113,000 |
| Coshocton, Ohio | 13 | $ 2,075,000 | $ 159,615 | $ 65,000 |
| Medina, Ohio | 4 | $ 510,000 | $ 127,500 | $ 122,000 |
| Portage, Ohio | 4 | $ 310,000 | $ 77,500 | $ 75,000 |
| Sarasota, Florida | 3 | $ 595,000 | $ 198,333 | $ 276,000 |
| Ashland, Ohio | 2 | $ 100,000 | $ 50,000 | $ 0 |
| Carroll, Ohio | 2 | $ 370,000 | $ 185,000 | $ 128,000 |
| Franklin, Ohio | 2 | $ 190,000 | $ 95,000 | $ 33,000 |
| Brevard, Florida | 1 | $ 485,000 | $ 485,000 | $ 551,000 |
| Lee, Florida | 1 | $ 195,000 | $ 195,000 | $ 197,000 |
| Antrim, Michigan | 1 | $ 185,000 | $ 185,000 | $ 64,000 |
| Oakland, Michigan | 1 | $ 85,000 | $ 85,000 | $ 78,000 |
| Cattaraugus, New York | 1 | $ 105,000 | $ 105,000 | $ 93,000 |
| Clermont, Ohio | 1 | $ 185,000 | $ 185,000 | $ 115,000 |
| Fairfield, Ohio | 1 | $ 225,000 | $ 225,000 | $ 161,000 |
| Harrison, Ohio | 1 | $ 45,000 | $ 45,000 | $ 151,000 |
| Ottawa, Ohio | 1 | $ 1,575,000 | $ 1,575,000 | $ 0 |
| Horry, South Carolina | 1 | $ 115,000 | $ 115,000 | $ 0 |
Mortgage Loan Application Detail Totals for The Commercial & Savings Bank in 2019
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 | 205 | $37,095,000 | $180,000 | $1,575,000 | $87,000 | $389,000 |
| Cash-out Refinancing | 77 | $12,785,000 | $166,000 | $695,000 | $81,000 | $244,000 |
| Refinancing | 40 | $7,310,000 | $182,000 | $715,000 | $118,000 | $575,000 |
| Home Improvement | 23 | $2,545,000 | $110,000 | $265,000 | $157,000 | $1,088,000 |
| Other Purpose | 18 | $1,980,000 | $110,000 | $245,000 | $60,000 | $178,000 |
| 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 | 341 | $57,015,000 | $167,000 | $715,000 | $92,000 | $1,088,000 |
| Not applicable | 18 | $4,240,000 | $235,000 | $1,575,000 | $0 | $0 |
| Hispanic | 3 | $285,000 | $95,000 | $135,000 | $64,000 | $95,000 |
| American Indian or Alaskan Native | 1 | $175,000 | $175,000 | $175,000 | $102,000 | $102,000 |
| 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 |
| 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) | 363 | $61,715,000 | $170,000 | $1,575,000 | $91,000 | $1,088,000 |
| 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 | 319 | $53,525,000 | $167,000 | $715,000 | $91,000 | $1,088,000 |
| Application Denied By Financial Institution | 18 | $3,030,000 | $168,000 | $505,000 | $76,000 | $229,000 |
| Application Withdrawn By Applicant | 15 | $3,665,000 | $244,000 | $1,575,000 | $73,000 | $128,000 |
| Application Approved But Not Accepted | 7 | $785,000 | $112,000 | $225,000 | $151,000 | $653,000 |
| File Closed For Incompleteness | 4 | $710,000 | $177,000 | $365,000 | $81,000 | $151,000 |
| 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 | 363 | $61,715,000 | $170,000 | $1,575,000 | $91,000 | $1,088,000 |
| 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 2019 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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