The Commercial & Savings Bank Mortgage Lending & HMDA Data, 2015
In 2015, The Commercial & Savings Bank of Millersburg, OH reported 335 mortgage applications totaling $40.2 million, down 12% from 2014. The average application was for $119,880, and applicants reported an average income of $89,110. 79% of its applications resulted in an originated loan and 12% were denied. Its largest markets were Canton-Massillon, OH (32), Cleveland-Elyria, OH (4) and Columbus, OH (3) (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 | 335 |
| Total Mortgage Loan Application Amount | $40,160,000 |
| Average Mortgage Loan Application Amount | $119,880 |
| Highest Mortgage Loan Application Amount | $900,000 |
| Average Applicant Income | $89,110 |
| Highest Applicant Income | $5,022,000 |
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records The Commercial & Savings Bank filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 2015
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 | 179 | $23,390,000 | $130,000 | $900,000 | $76,000 | $516,000 |
| Refinancing | 112 | $15,162,000 | $135,000 | $736,000 | $83,000 | $549,000 |
| Home Improvement | 44 | $1,608,000 | $36,000 | $309,000 | $158,000 | $5,022,000 |
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 | 321 | $37,578,000 | $117,000 | $495,000 | $93,000 | $5,022,000 |
| Not applicable | 9 | $2,355,000 | $261,000 | $900,000 | $0 | $0 |
| Black or African American | 3 | $208,000 | $69,000 | $105,000 | $48,000 | $81,000 |
| Hispanic | 1 | $15,000 | $15,000 | $15,000 | $26,000 | $26,000 |
| Not Provided | 1 | $4,000 | $4,000 | $4,000 | $23,000 | $23,000 |
| 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) | 334 | $40,085,000 | $120,000 | $900,000 | $89,000 | $5,022,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 1 | $75,000 | $75,000 | $75,000 | $50,000 | $50,000 |
| 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 | 264 | $31,104,000 | $117,000 | $495,000 | $98,000 | $5,022,000 |
| Application Denied By Financial Institution | 40 | $3,037,000 | $75,000 | $407,000 | $53,000 | $329,000 |
| Application Approved But Not Accepted | 17 | $4,059,000 | $238,000 | $900,000 | $69,000 | $199,000 |
| Application Withdrawn By Applicant | 12 | $1,540,000 | $128,000 | $355,000 | $60,000 | $171,000 |
| File Closed For Incompleteness | 2 | $420,000 | $210,000 | $280,000 | $61,000 | $71,000 |
| 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 | 14 | $559,000 | $39,000 | $140,000 | $52,000 | $116,000 |
| Debt-To-Income Ratio | 12 | $762,000 | $63,000 | $268,000 | $53,000 | $329,000 |
| Collateral | 7 | $1,057,000 | $151,000 | $407,000 | $57,000 | $171,000 |
| Other | 6 | $609,000 | $101,000 | $342,000 | $46,000 | $74,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 1 | $50,000 | $50,000 | $50,000 | $72,000 | $72,000 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
| Unverifiable Information | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
| Employment History | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into The Commercial & Savings Bank's 2015 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.
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