The Commercial & Savings Bank Mortgage Lending & HMDA Data, 2022
In 2022, The Commercial & Savings Bank of Millersburg, OH reported 304 mortgage applications totaling $63.1 million, down 48% from 2021. The average application was for $207,401, and applicants reported an average income of $143,973. 85% of its applications resulted in an originated loan and 4% were denied. Its largest markets were Canton-Massillon, OH (36), Akron, OH (17) and Columbus, 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 | 304 |
| Total Mortgage Loan Application Amount | $63,050,000 |
| Average Mortgage Loan Application Amount | $207,401 |
| Highest Mortgage Loan Application Amount | $1,305,000 |
| Average Applicant Income | $143,973 |
| Highest Applicant Income | $4,446,000 |
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records The Commercial & Savings Bank filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 |
|---|---|---|---|---|
| Outside any metro area | 237 | $ 48,605,000 | $ 205,084 | $ 139,708 |
| Canton-Massillon, OH | 36 | $ 8,050,000 | $ 223,611 | $ 190,000 |
| Akron, OH | 17 | $ 2,435,000 | $ 143,235 | $ 80,000 |
| Columbus, OH | 4 | $ 1,490,000 | $ 372,500 | $ 141,000 |
| Cleveland-Elyria, OH | 3 | $ 765,000 | $ 255,000 | $ 97,000 |
| Myrtle Beach-Conway-North Myrtle Beach, SC-NC | 2 | $ 570,000 | $ 285,000 | $ 0 |
| Hilton Head Island-Bluffton-Beaufort, SC | 1 | $ 205,000 | $ 205,000 | $ 203,000 |
| Homosassa Springs, FL | 1 | $ 275,000 | $ 275,000 | $ 217,000 |
| Lexington-Fayette, KY | 1 | $ 175,000 | $ 175,000 | $ 252,000 |
| North Port-Sarasota-Bradenton, FL | 1 | $ 405,000 | $ 405,000 | $ 309,000 |
| Wheeling, WV-OH | 1 | $ 75,000 | $ 75,000 | $ 311,000 |
Mortgage Loan Application Detail Totals for The Commercial & Savings Bank in 2022
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 | 194 | $43,770,000 | $225,000 | $975,000 | $161,000 | $4,446,000 |
| Cash-out Refinancing | 64 | $11,300,000 | $176,000 | $755,000 | $104,000 | $351,000 |
| Refinancing | 18 | $2,390,000 | $132,000 | $375,000 | $80,000 | $163,000 |
| Other Purpose | 14 | $3,680,000 | $262,000 | $1,305,000 | $183,000 | $1,051,000 |
| Home Improvement | 14 | $1,910,000 | $136,000 | $265,000 | $134,000 | $373,000 |
| 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 | 279 | $57,885,000 | $207,000 | $1,305,000 | $144,000 | $4,446,000 |
| Not applicable | 16 | $3,080,000 | $192,000 | $705,000 | $0 | $0 |
| Not Provided | 6 | $1,610,000 | $268,000 | $675,000 | $101,000 | $175,000 |
| Hispanic | 2 | $420,000 | $210,000 | $295,000 | $71,000 | $96,000 |
| Black or African American | 1 | $55,000 | $55,000 | $55,000 | $119,000 | $119,000 |
| Native Hawaiian or Other Pacific Islander | 0 | $0 | $0 | $0 | $0 | $0 |
| American Indian or Alaskan Native | 0 | $0 | $0 | $0 | $0 | $0 |
| Asian | 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) | 304 | $63,050,000 | $207,000 | $1,305,000 | $143,000 | $4,446,000 |
| 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 | 257 | $53,185,000 | $206,000 | $1,305,000 | $147,000 | $4,446,000 |
| Application Withdrawn By Applicant | 28 | $5,510,000 | $196,000 | $455,000 | $115,000 | $593,000 |
| Application Denied By Financial Institution | 13 | $2,625,000 | $201,000 | $365,000 | $74,000 | $167,000 |
| Application Approved But Not Accepted | 4 | $1,010,000 | $252,000 | $405,000 | $404,000 | $866,000 |
| File Closed For Incompleteness | 2 | $720,000 | $360,000 | $425,000 | $161,000 | $182,000 |
| 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 |
|---|---|---|---|---|---|---|
| Not applicable | 291 | $60,425,000 | $207,000 | $1,305,000 | $146,000 | $4,446,000 |
| Debt-To-Income Ratio | 6 | $1,450,000 | $241,000 | $365,000 | $72,000 | $100,000 |
| Credit History | 4 | $920,000 | $230,000 | $365,000 | $82,000 | $167,000 |
| Collateral | 2 | $170,000 | $85,000 | $125,000 | $79,000 | $108,000 |
| Unverifiable Information | 1 | $85,000 | $85,000 | $85,000 | $43,000 | $43,000 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
| Other | 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 The Commercial & Savings Bank's 2022 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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