The Farmers Bank & Savings Com Mortgage Lending & HMDA Data, 2021
In 2021, The Farmers Bank & Savings Com of Pomeroy, OH reported 346 mortgage applications totaling $48.2 million, down 22% from 2020. The average application was for $139,219, and applicants reported an average income of $88,465. 66% of its applications resulted in an originated loan and 22% were denied. Its largest markets were Huntington-Ashland, WV-KY-OH (30), Charleston, WV (25) and Parkersburg-Vienna, WV (5) (applications in parentheses).
| Mortgage Company & Address | The Farmers Bank & Savings Com 640 E Main St Pomeroy, OH 45769 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2025 2024 2023 2022 2021 2020 2019 2018 |
| Total Number of Mortgage Applications | 346 |
| Total Mortgage Loan Application Amount | $48,170,000 |
| Average Mortgage Loan Application Amount | $139,219 |
| Highest Mortgage Loan Application Amount | $1,495,000 |
| Average Applicant Income | $88,465 |
| Highest Applicant Income | $994,000 |
About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records The Farmers Bank & Savings Com filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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.
| County | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loans Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Gallia, Ohio | 97 | $ 14,015,000 | $ 144,484 | $ 83,000 |
| Meigs, Ohio | 93 | $ 11,485,000 | $ 123,494 | $ 84,000 |
| Mason, West Virginia | 59 | $ 6,295,000 | $ 106,694 | $ 72,000 |
| Putnam, West Virginia | 22 | $ 3,460,000 | $ 157,272 | $ 103,000 |
| Kanawha, West Virginia | 17 | $ 2,095,000 | $ 123,235 | $ 175,000 |
| Jackson, Ohio | 15 | $ 2,445,000 | $ 163,000 | $ 80,000 |
| Athens, Ohio | 9 | $ 1,875,000 | $ 208,333 | $ 140,000 |
| Jackson, West Virginia | 7 | $ 1,185,000 | $ 169,285 | $ 47,000 |
| Cabell, West Virginia | 5 | $ 925,000 | $ 185,000 | $ 150,000 |
| Wood, West Virginia | 5 | $ 2,155,000 | $ 431,000 | $ 300,000 |
| Vinton, Ohio | 3 | $ 525,000 | $ 175,000 | $ 65,000 |
| Lawrence, Ohio | 2 | $ 190,000 | $ 95,000 | $ 107,000 |
| Washington, Ohio | 2 | $ 350,000 | $ 175,000 | $ 73,000 |
| Walker, Alabama | 1 | $ 55,000 | $ 55,000 | $ 48,000 |
| Fairfield, Ohio | 1 | $ 255,000 | $ 255,000 | $ 123,000 |
| Sevier, Tennessee | 1 | $ 245,000 | $ 245,000 | $ 272,000 |
| Lincoln, West Virginia | 1 | $ 55,000 | $ 55,000 | $ 25,000 |
| Logan, West Virginia | 1 | $ 45,000 | $ 45,000 | $ 83,000 |
| Ohio, West Virginia | 1 | $ 195,000 | $ 195,000 | $ 62,000 |
| Wayne, West Virginia | 1 | $ 135,000 | $ 135,000 | $ 84,000 |
Mortgage Loan Application Detail Totals for The Farmers Bank & Savings Com in 2021
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 | 180 | $22,790,000 | $126,000 | $485,000 | $97,000 | $994,000 |
| Home Purchase | 153 | $24,205,000 | $158,000 | $1,495,000 | $80,000 | $655,000 |
| Other Purpose | 9 | $965,000 | $107,000 | $285,000 | $77,000 | $158,000 |
| Home Improvement | 4 | $210,000 | $52,000 | $65,000 | $54,000 | $82,000 |
| Cash-out Refinancing | 0 | $0 | $0 | $0 | $0 | $0 |
| 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 | 314 | $42,230,000 | $134,000 | $805,000 | $89,000 | $994,000 |
| Not applicable | 18 | $3,620,000 | $201,000 | $1,495,000 | $0 | $0 |
| Not Provided | 7 | $1,195,000 | $170,000 | $315,000 | $73,000 | $125,000 |
| Hispanic | 3 | $355,000 | $118,000 | $245,000 | $59,000 | $110,000 |
| American Indian or Alaskan Native | 2 | $130,000 | $65,000 | $65,000 | $36,000 | $47,000 |
| Asian | 2 | $640,000 | $320,000 | $505,000 | $260,000 | $425,000 |
| Black or African American | 0 | $0 | $0 | $0 | $0 | $0 |
| 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) | 344 | $47,810,000 | $138,000 | $1,495,000 | $89,000 | $994,000 |
| VA-guaranteed (Veterans Administration) | 2 | $360,000 | $180,000 | $325,000 | $66,000 | $78,000 |
| 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 |
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 | 229 | $31,855,000 | $139,000 | $1,495,000 | $102,000 | $994,000 |
| Application Denied By Financial Institution | 75 | $10,175,000 | $135,000 | $705,000 | $59,000 | $158,000 |
| Application Withdrawn By Applicant | 34 | $4,990,000 | $146,000 | $475,000 | $74,000 | $186,000 |
| File Closed For Incompleteness | 6 | $910,000 | $151,000 | $325,000 | $91,000 | $151,000 |
| Application Approved But Not Accepted | 2 | $240,000 | $120,000 | $135,000 | $89,000 | $94,000 |
| 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 |
|---|---|---|---|---|---|---|
| Debt-To-Income Ratio | 346 | $48,170,000 | $139,000 | $1,495,000 | $89,000 | $994,000 |
| 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 Farmers Bank & Savings Com's 2021 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 Farmers Bank & Savings Com'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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