The Commercial & Savings Bank Mortgage Lending & HMDA Data, 2023
In 2023, The Commercial & Savings Bank of Millersburg, OH reported 486 mortgage applications totaling $79.5 million, up 60% from 2022. The average application was for $163,559, and applicants reported an average income of $103,668. 86% of its applications resulted in an originated loan and 7% were denied. Its largest markets were Canton-Massillon, OH (37), Akron, OH (25) and Cleveland-Elyria, OH (10) (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 | 486 |
| Total Mortgage Loan Application Amount | $79,490,000 |
| Average Mortgage Loan Application Amount | $163,559 |
| Highest Mortgage Loan Application Amount | $1,855,000 |
| Average Applicant Income | $103,668 |
| Highest Applicant Income | $807,000 |
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records The Commercial & Savings Bank filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 | 396 | $ 59,100,000 | $ 149,242 | $ 100,045 |
| Canton-Massillon, OH | 37 | $ 6,725,000 | $ 181,756 | $ 97,000 |
| Akron, OH | 25 | $ 5,165,000 | $ 206,600 | $ 139,000 |
| Cleveland-Elyria, OH | 10 | $ 2,060,000 | $ 206,000 | $ 109,000 |
| Columbus, OH | 7 | $ 2,125,000 | $ 303,571 | $ 105,000 |
| North Port-Sarasota-Bradenton, FL | 6 | $ 3,150,000 | $ 525,000 | $ 215,000 |
| Weirton-Steubenville, WV-OH | 2 | $ 600,000 | $ 300,000 | $ 258,000 |
| Youngstown-Warren-Boardman, OH-PA | 2 | $ 390,000 | $ 195,000 | $ 89,000 |
| Dayton-Springfield-Kettering, OH | 1 | $ 175,000 | $ 175,000 | $ 52,000 |
Mortgage Loan Application Detail Totals for The Commercial & Savings Bank in 2023
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 | 188 | $44,940,000 | $239,000 | $1,855,000 | $112,000 | $687,000 |
| Home Improvement | 96 | $10,780,000 | $112,000 | $1,855,000 | $97,000 | $317,000 |
| Other Purpose | 83 | $9,435,000 | $113,000 | $555,000 | $99,000 | $396,000 |
| Refinancing | 74 | $7,770,000 | $105,000 | $495,000 | $112,000 | $807,000 |
| Cash-out Refinancing | 45 | $6,565,000 | $145,000 | $425,000 | $78,000 | $175,000 |
| 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 | 275 | $50,425,000 | $183,000 | $1,285,000 | $96,000 | $687,000 |
| Not Provided | 184 | $19,390,000 | $105,000 | $555,000 | $113,000 | $807,000 |
| Not applicable | 19 | $7,665,000 | $403,000 | $1,855,000 | $0 | $0 |
| Hispanic | 3 | $605,000 | $201,000 | $425,000 | $86,000 | $132,000 |
| Black or African American | 2 | $710,000 | $355,000 | $505,000 | $170,000 | $171,000 |
| American Indian or Alaskan Native | 1 | $265,000 | $265,000 | $265,000 | $152,000 | $152,000 |
| Asian | 1 | $185,000 | $185,000 | $185,000 | $467,000 | $467,000 |
| 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) | 486 | $79,490,000 | $163,000 | $1,855,000 | $104,000 | $807,000 |
| 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 | 416 | $69,450,000 | $166,000 | $1,855,000 | $107,000 | $807,000 |
| Application Denied By Financial Institution | 34 | $3,770,000 | $110,000 | $555,000 | $69,000 | $295,000 |
| Application Withdrawn By Applicant | 27 | $4,805,000 | $177,000 | $505,000 | $87,000 | $173,000 |
| Application Approved But Not Accepted | 5 | $315,000 | $63,000 | $85,000 | $77,000 | $120,000 |
| File Closed For Incompleteness | 4 | $1,150,000 | $287,000 | $405,000 | $142,000 | $334,000 |
| 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 | 260 | $56,210,000 | $216,000 | $1,855,000 | $104,000 | $687,000 |
| Debt-To-Income Ratio | 219 | $22,595,000 | $103,000 | $555,000 | $105,000 | $807,000 |
| Credit History | 4 | $330,000 | $82,000 | $225,000 | $57,000 | $93,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 2 | $190,000 | $95,000 | $95,000 | $55,000 | $63,000 |
| Collateral | 1 | $165,000 | $165,000 | $165,000 | $58,000 | $58,000 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
| Employment History | 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 2023 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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