The Commercial & Savings Bank Mortgage Lending & HMDA Data, 2009
In 2009, The Commercial & Savings Bank of Millersburg, OH reported 419 mortgage applications totaling $45.2 million. The average application was for $107,964, and applicants reported an average income of $64,171. 75% of its applications resulted in an originated loan and 9% were denied. Its largest markets were Canton-Massillon, OH (28), Akron, OH (4) and Cleveland-Elyria-Mentor, OH (2) (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 | 419 |
| Total Mortgage Loan Application Amount | $45,237,000 |
| Average Mortgage Loan Application Amount | $107,964 |
| Highest Mortgage Loan Application Amount | $810,000 |
| Average Applicant Income | $64,171 |
| Highest Applicant Income | $690,000 |
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records The Commercial & Savings Bank filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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.
| Metro Area | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Canton-Massillon, OH | 28 | $ 2,646,000 | $ 94,500 | $ 60,000 |
| Akron, OH | 4 | $ 503,000 | $ 125,750 | $ 69,000 |
| Cleveland-Elyria-Mentor, OH | 2 | $ 196,000 | $ 98,000 | $ 35,000 |
| Cincinnati-Middletown, OH-KY-IN | 1 | $ 3,000 | $ 3,000 | $ 0 |
| Dayton, OH | 1 | $ 70,000 | $ 70,000 | $ 298,000 |
Mortgage Loan Application Detail Totals for The Commercial & Savings Bank in 2009
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 | 255 | $31,411,000 | $123,000 | $810,000 | $71,000 | $690,000 |
| Home Purchase | 117 | $11,943,000 | $102,000 | $400,000 | $59,000 | $380,000 |
| Home Improvement | 47 | $1,883,000 | $40,000 | $375,000 | $40,000 | $109,000 |
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 | 397 | $42,636,000 | $107,000 | $810,000 | $66,000 | $690,000 |
| Not applicable | 10 | $1,993,000 | $199,000 | $400,000 | $0 | $0 |
| Not Provided | 9 | $361,000 | $40,000 | $122,000 | $41,000 | $92,000 |
| American Indian or Alaskan Native | 2 | $144,000 | $72,000 | $96,000 | $60,000 | $63,000 |
| Hispanic | 1 | $103,000 | $103,000 | $103,000 | $50,000 | $50,000 |
| Native Hawaiian or Other Pacific Islander | 0 | $0 | $0 | $0 | $0 | $0 |
| Asian | 0 | $0 | $0 | $0 | $0 | $0 |
| Black or African American | 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) | 404 | $44,029,000 | $108,000 | $810,000 | $65,000 | $690,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 15 | $1,208,000 | $80,000 | $194,000 | $36,000 | $60,000 |
| 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 | 316 | $33,517,000 | $106,000 | $810,000 | $67,000 | $690,000 |
| Application Approved But Not Accepted | 56 | $6,777,000 | $121,000 | $480,000 | $68,000 | $183,000 |
| Application Denied By Financial Institution | 37 | $3,983,000 | $107,000 | $375,000 | $36,000 | $146,000 |
| Application Withdrawn By Applicant | 10 | $960,000 | $96,000 | $231,000 | $42,000 | $83,000 |
| File Closed For Incompleteness | 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 |
|---|---|---|---|---|---|---|
| Collateral | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit History | 0 | $0 | $0 | $0 | $0 | $0 |
| Debt-To-Income Ratio | 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 |
| Other | 0 | $0 | $0 | $0 | $0 | $0 |
| Unverifiable Information | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into The Commercial & Savings Bank's 2009 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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