The Commercial & Savings Bank Mortgage Lending & HMDA Data, 2024
In 2024, The Commercial & Savings Bank of Millersburg, OH reported 240 mortgage applications totaling $61.8 million, down 51% from 2023. The average application was for $257,291, and applicants reported an average income of $218,025. 88% of its applications resulted in an originated loan and 4% were denied. Its largest markets were Canton-Massillon, OH (35), Akron, OH (19) and Cleveland, 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 | 240 |
| Total Mortgage Loan Application Amount | $61,750,000 |
| Average Mortgage Loan Application Amount | $257,291 |
| Highest Mortgage Loan Application Amount | $2,015,000 |
| Average Applicant Income | $218,025 |
| Highest Applicant Income | $5,123,000 |
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records The Commercial & Savings Bank filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 | 164 | $ 42,970,000 | $ 262,012 | $ 194,000 |
| Canton-Massillon, OH | 35 | $ 8,475,000 | $ 242,142 | $ 182,000 |
| Akron, OH | 19 | $ 2,825,000 | $ 148,684 | $ 151,000 |
| Cleveland, OH | 10 | $ 2,220,000 | $ 222,000 | $ 217,000 |
| Columbus, OH | 6 | $ 1,960,000 | $ 326,666 | $ 177,000 |
| Chicago-Naperville, IL | 1 | $ 515,000 | $ 515,000 | $ 538,000 |
| Cincinnati, OH-KY-IN | 1 | $ 275,000 | $ 275,000 | $ 156,000 |
| Hickory-Lenoir-Morganton, NC | 1 | $ 825,000 | $ 825,000 | $ 0 |
| Myrtle Beach-Conway-North Myrtle Beach, SC-NC | 1 | $ 125,000 | $ 125,000 | $ 91,000 |
| North Port-Sarasota-Bradenton, FL | 1 | $ 655,000 | $ 655,000 | $ 1,103,000 |
| Sandusky, OH | 1 | $ 905,000 | $ 905,000 | $ 4,022,000 |
Mortgage Loan Application Detail Totals for The Commercial & Savings Bank in 2024
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 | 171 | $47,125,000 | $275,000 | $2,015,000 | $224,000 | $5,123,000 |
| Cash-out Refinancing | 25 | $5,575,000 | $223,000 | $1,365,000 | $138,000 | $794,000 |
| Refinancing | 16 | $3,990,000 | $249,000 | $655,000 | $360,000 | $2,044,000 |
| Home Improvement | 15 | $3,105,000 | $207,000 | $1,095,000 | $222,000 | $496,000 |
| Other Purpose | 13 | $1,955,000 | $150,000 | $315,000 | $114,000 | $486,000 |
| 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 | 207 | $51,815,000 | $250,000 | $1,365,000 | $216,000 | $5,123,000 |
| Not applicable | 27 | $8,385,000 | $310,000 | $2,015,000 | $0 | $0 |
| Not Provided | 4 | $1,240,000 | $310,000 | $555,000 | $195,000 | $495,000 |
| Black or African American | 1 | $135,000 | $135,000 | $135,000 | $37,000 | $37,000 |
| Hispanic | 1 | $175,000 | $175,000 | $175,000 | $95,000 | $95,000 |
| 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) | 240 | $61,750,000 | $257,000 | $2,015,000 | $214,000 | $5,123,000 |
| 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 | 211 | $55,045,000 | $260,000 | $2,015,000 | $225,000 | $5,123,000 |
| Application Withdrawn By Applicant | 16 | $2,760,000 | $172,000 | $425,000 | $149,000 | $344,000 |
| Application Denied By Financial Institution | 9 | $2,585,000 | $287,000 | $605,000 | $79,000 | $174,000 |
| Application Approved But Not Accepted | 4 | $1,360,000 | $340,000 | $825,000 | $176,000 | $310,000 |
| 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 |
|---|---|---|---|---|---|---|
| Debt-To-Income Ratio | 240 | $61,750,000 | $257,000 | $2,015,000 | $214,000 | $5,123,000 |
| 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 2024 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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