The Farmers Bank & Savings Com Mortgage Lending & HMDA Data, 2024
In 2024, The Farmers Bank & Savings Com of Pomeroy, OH reported 206 mortgage applications totaling $31.8 million, up 22% from 2023. The average application was for $154,174, and applicants reported an average income of $89,893. 62% of its applications resulted in an originated loan and 21% were denied. Its largest markets were Huntington-Ashland, WV-KY-OH (11), Charleston, WV (5) and Columbus, OH (4) (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 | 206 |
| Total Mortgage Loan Application Amount | $31,760,000 |
| Average Mortgage Loan Application Amount | $154,174 |
| Highest Mortgage Loan Application Amount | $2,395,000 |
| Average Applicant Income | $89,893 |
| Highest Applicant Income | $669,000 |
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records The Farmers Bank & Savings Com filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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.
| 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 | 185 | $ 25,245,000 | $ 136,459 | $ 88,178 |
| Huntington-Ashland, WV-KY-OH | 11 | $ 4,275,000 | $ 388,636 | $ 99,818 |
| Charleston, WV | 5 | $ 805,000 | $ 161,000 | $ 115,000 |
| Columbus, OH | 4 | $ 1,140,000 | $ 285,000 | $ 164,000 |
| Parkersburg-Vienna, WV | 1 | $ 295,000 | $ 295,000 | $ 0 |
Mortgage Loan Application Detail Totals for The Farmers Bank & Savings Com 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 | 117 | $19,125,000 | $163,000 | $605,000 | $95,000 | $669,000 |
| Cash-out Refinancing | 44 | $5,060,000 | $115,000 | $315,000 | $87,000 | $194,000 |
| Refinancing | 20 | $4,770,000 | $238,000 | $2,395,000 | $75,000 | $174,000 |
| Other Purpose | 15 | $1,685,000 | $112,000 | $615,000 | $95,000 | $172,000 |
| Home Improvement | 10 | $1,120,000 | $112,000 | $325,000 | $65,000 | $161,000 |
| 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 | 187 | $26,685,000 | $142,000 | $835,000 | $91,000 | $669,000 |
| Not applicable | 13 | $4,315,000 | $331,000 | $2,395,000 | $0 | $0 |
| Not Provided | 3 | $335,000 | $111,000 | $275,000 | $58,000 | $78,000 |
| Black or African American | 2 | $210,000 | $105,000 | $205,000 | $71,000 | $96,000 |
| Hispanic | 1 | $215,000 | $215,000 | $215,000 | $39,000 | $39,000 |
| 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) | 202 | $31,050,000 | $153,000 | $2,395,000 | $90,000 | $669,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 3 | $585,000 | $195,000 | $305,000 | $69,000 | $106,000 |
| FHA-insured (Federal Housing Administration) | 1 | $125,000 | $125,000 | $125,000 | $109,000 | $109,000 |
| 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 | 128 | $18,770,000 | $146,000 | $835,000 | $107,000 | $669,000 |
| Application Denied By Financial Institution | 44 | $8,600,000 | $195,000 | $2,395,000 | $55,000 | $194,000 |
| Application Withdrawn By Applicant | 17 | $2,415,000 | $142,000 | $605,000 | $81,000 | $172,000 |
| Application Approved But Not Accepted | 14 | $1,490,000 | $106,000 | $315,000 | $81,000 | $215,000 |
| File Closed For Incompleteness | 3 | $485,000 | $161,000 | $205,000 | $120,000 | $208,000 |
| 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 | 162 | $23,160,000 | $142,000 | $835,000 | $101,000 | $669,000 |
| Other | 31 | $6,775,000 | $218,000 | $2,395,000 | $55,000 | $194,000 |
| Credit History | 10 | $1,170,000 | $117,000 | $215,000 | $57,000 | $96,000 |
| Debt-To-Income Ratio | 2 | $450,000 | $225,000 | $365,000 | $35,000 | $40,000 |
| Employment History | 1 | $205,000 | $205,000 | $205,000 | $110,000 | $110,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 0 | $0 | $0 | $0 | $0 | $0 |
| Mortgage Insurance Denied | 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 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into The Farmers Bank & Savings Com'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 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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