The Commercial & Savings Bank Mortgage Lending & HMDA Data, 2012
In 2012, The Commercial & Savings Bank of Millersburg, OH reported 628 mortgage applications totaling $84.3 million, up 108% from 2011. The average application was for $134,230, and applicants reported an average income of $74,100. 67% of its applications resulted in an originated loan and 13% were denied. Its largest markets were Canton-Massillon, OH (33), Cleveland-Elyria-Mentor, OH (4) 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 | 628 |
| Total Mortgage Loan Application Amount | $84,297,000 |
| Average Mortgage Loan Application Amount | $134,230 |
| Highest Mortgage Loan Application Amount | $1,850,000 |
| Average Applicant Income | $74,100 |
| Highest Applicant Income | $1,085,000 |
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records The Commercial & Savings Bank filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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.
Mortgage Loan Application Detail Totals for The Commercial & Savings Bank in 2012
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 | 415 | $55,742,000 | $134,000 | $1,311,000 | $73,000 | $569,000 |
| Home Purchase | 163 | $24,459,000 | $150,000 | $1,850,000 | $80,000 | $1,085,000 |
| Home Improvement | 50 | $4,096,000 | $81,000 | $575,000 | $64,000 | $699,000 |
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 | 600 | $72,672,000 | $121,000 | $846,000 | $77,000 | $1,085,000 |
| Not applicable | 22 | $10,561,000 | $480,000 | $1,850,000 | $0 | $0 |
| Not Provided | 4 | $913,000 | $228,000 | $330,000 | $90,000 | $189,000 |
| Hispanic | 2 | $151,000 | $75,000 | $86,000 | $31,000 | $34,000 |
| 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 |
| 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) | 628 | $84,297,000 | $134,000 | $1,850,000 | $74,000 | $1,085,000 |
| 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 | 422 | $56,988,000 | $135,000 | $1,850,000 | $79,000 | $1,085,000 |
| Application Denied By Financial Institution | 83 | $10,320,000 | $124,000 | $417,000 | $52,000 | $321,000 |
| Application Withdrawn By Applicant | 77 | $9,907,000 | $128,000 | $385,000 | $73,000 | $328,000 |
| Application Approved But Not Accepted | 44 | $6,897,000 | $156,000 | $1,100,000 | $77,000 | $382,000 |
| File Closed For Incompleteness | 2 | $185,000 | $92,000 | $160,000 | $23,000 | $36,000 |
| 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 |
|---|---|---|---|---|---|---|
| Credit History | 30 | $2,639,000 | $87,000 | $212,000 | $49,000 | $105,000 |
| Debt-To-Income Ratio | 25 | $3,833,000 | $153,000 | $417,000 | $37,000 | $92,000 |
| Collateral | 21 | $2,978,000 | $141,000 | $408,000 | $84,000 | $321,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 3 | $448,000 | $149,000 | $265,000 | $35,000 | $54,000 |
| Other | 2 | $184,000 | $92,000 | $124,000 | $16,000 | $33,000 |
| Employment History | 1 | $168,000 | $168,000 | $168,000 | $30,000 | $30,000 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
| Unverifiable Information | 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 2012 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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