Union Savings Bank
HMDA Loan Application Totals
and Mortgage Lending Details
for 2003
Union Savings Bank 2003 HMDA loan application data provides key insights into its mortgage lending trends, applicant demographics, and loan distribution.
The Home Mortgage Disclosure Act (HMDA) requires lenders to report detailed loan application data, offering transparency into lending patterns.
The data reveals trends in average loan size, applicant income, and mortgage approval rates, helping consumers and analysts understand lending accessibility.
Below, explore a breakdown of loan applications by county, metro area, loan purpose, applicant race, loan type, and more.
Whether you're an industry professional, homebuyer, or researcher,
this information provides valuable insights into mortgage lending activity.
Scroll down to view the full dataset and analyze lending trends in greater detail.
| Mortgage Company & Address | Union Savings Bank 8534 E. Kemper Road Cincinnati, OH 45249 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2010 2009 2008 2007 2006 2005 2004 2003 |
| Total Number of Mortgage Applications | 35,069 |
| Total Mortgage Loan Application Amount | $4,327,918,000 |
| Average Mortgage Loan Application Amount | $228,952 |
| Highest Mortgage Loan Application Amount | $13,500,000 |
| Average Applicant Income | $170,642 |
| Highest Applicant Income | $3,389,000 |
Explore comprehensive HMDA mortgage statistics and lending trends for 2003 with Union Savings Bank. Below, you'll find key insights into this lender's mortgage activity, including total loan applications, average mortgage amounts, highest application values, and income levels of top applicants. Whether you're analyzing Union Savings Bank's lending patterns or researching mortgage trends, these statistics provide valuable transparency into their loan activity.
Our HMDA dataset for 2003 breaks down Union Savings Bank's mortgage applications by loan purpose, applicant race, loan type, approval outcomes, and reasons for denial. These insights help homebuyers, financial analysts, and industry professionals assess borrower demographics and lending practices, offering a clearer view of how Union Savings Bank serves its applicants.
Each category highlights the total number of mortgage applications processed by Union Savings Bank, total loan amounts, average mortgage values, and the highest mortgage amounts recorded. You can also review borrower income trends, including the average and highest reported applicant incomes for loans issued by this lender. Whether you're evaluating lender performance, comparing mortgage approval rates, or exploring loan options, this HMDA-backed data offers a crucial look at Union Savings Bank's mortgage activity for 2003.
| County | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loans Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Hamilton County Ohio | 5,871 | $ 741,860,000 | $ 126,000 | $ 71,000 |
| Franklin County Ohio | 5,503 | $ 656,028,000 | $ 119,000 | $ 53,000 |
| Montgomery County Ohio | 5,108 | $ 541,150,000 | $ 105,000 | $ 55,000 |
| Butler County Ohio | 4,344 | $ 512,888,000 | $ 118,000 | $ 59,000 |
| Warren County Ohio | 3,001 | $ 419,720,000 | $ 139,000 | $ 74,000 |
| Clermont County Ohio | 1,515 | $ 203,358,000 | $ 134,000 | $ 65,000 |
| Greene County Ohio | 1,178 | $ 143,321,000 | $ 121,000 | $ 74,000 |
| Delaware County Ohio | 1,074 | $ 174,800,000 | $ 162,000 | $ 87,000 |
| Hamilton County Indiana | 843 | $ 133,056,000 | $ 157,000 | $ 79,000 |
| Fairfield County Ohio | 822 | $ 94,604,000 | $ 115,000 | $ 73,000 |
| Marion County Indiana | 678 | $ 78,244,000 | $ 115,000 | $ 61,000 |
| Miami County Ohio | 521 | $ 58,467,000 | $ 112,000 | $ 64,000 |
| Fayette County Kentucky | 393 | $ 45,566,000 | $ 115,000 | $ 60,000 |
| Licking County Ohio | 388 | $ 48,996,000 | $ 126,000 | $ 56,000 |
| Kenton County Kentucky | 360 | $ 41,367,000 | $ 114,000 | $ 72,000 |
| Boone County Kentucky | 220 | $ 28,644,000 | $ 130,000 | $ 59,000 |
| Clark County Ohio | 210 | $ 21,052,000 | $ 100,000 | $ 72,000 |
| Campbell County Kentucky | 190 | $ 20,740,000 | $ 109,000 | $ 62,000 |
| Union County Ohio | 189 | $ 27,666,000 | $ 146,000 | $ 77,000 |
| Vanderburgh County Indiana | 175 | $ 20,880,000 | $ 119,000 | $ 55,000 |
| Dearborn County Indiana | 142 | $ 18,239,000 | $ 128,000 | $ 95,000 |
| Hendricks County Indiana | 141 | $ 18,477,000 | $ 131,000 | $ 68,000 |
| Preble County Ohio | 126 | $ 13,137,000 | $ 104,000 | $ 49,000 |
| Madison County Ohio | 118 | $ 14,445,000 | $ 122,000 | $ 67,000 |
| Clinton County Ohio | 97 | $ 12,262,000 | $ 126,000 | $ 53,000 |
| Darke County Ohio | 91 | $ 9,165,000 | $ 100,000 | $ 53,000 |
| Boone County Indiana | 86 | $ 14,496,000 | $ 168,000 | $ 96,000 |
| Pickaway County Ohio | 84 | $ 9,642,000 | $ 114,000 | $ 61,000 |
| Brown County Ohio | 81 | $ 8,219,000 | $ 101,000 | $ 64,000 |
| Johnson County Indiana | 79 | $ 10,352,000 | $ 131,000 | $ 84,000 |
| Hocking County Ohio | 70 | $ 6,626,000 | $ 94,000 | $ 54,000 |
| Hancock County Indiana | 60 | $ 8,103,000 | $ 135,000 | $ 172,000 |
| Shelby County Ohio | 59 | $ 5,722,000 | $ 96,000 | $ 55,000 |
| Knox County Ohio | 55 | $ 6,839,000 | $ 124,000 | $ 56,000 |
| Warrick County Indiana | 52 | $ 6,549,000 | $ 125,000 | $ 69,000 |
| Morrow County Ohio | 49 | $ 5,765,000 | $ 117,000 | $ 56,000 |
| Perry County Ohio | 44 | $ 4,141,000 | $ 94,000 | $ 60,000 |
| Woodford County Kentucky | 42 | $ 5,284,000 | $ 125,000 | $ 88,000 |
| Logan County Ohio | 42 | $ 4,841,000 | $ 115,000 | $ 64,000 |
| Champaign County Ohio | 40 | $ 3,882,000 | $ 97,000 | $ 51,000 |
| Madison County Indiana | 31 | $ 3,262,000 | $ 105,000 | $ 63,000 |
| Jessamine County Kentucky | 30 | $ 3,513,000 | $ 117,000 | $ 71,000 |
| Scott County Kentucky | 30 | $ 3,525,000 | $ 117,000 | $ 60,000 |
| Morgan County Indiana | 29 | $ 3,403,000 | $ 117,000 | $ 120,000 |
| Clark County Kentucky | 25 | $ 2,869,000 | $ 114,000 | $ 77,000 |
| Howard County Indiana | 24 | $ 2,511,000 | $ 104,000 | $ 62,000 |
| Allegheny County Pennsylvania | 24 | $ 2,389,000 | $ 99,000 | $ 63,000 |
| Posey County Indiana | 23 | $ 2,802,000 | $ 121,000 | $ 62,000 |
| Grant County Kentucky | 23 | $ 2,189,000 | $ 95,000 | $ 46,000 |
| Fayette County Ohio | 23 | $ 2,803,000 | $ 121,000 | $ 66,000 |
| Marion County Ohio | 23 | $ 2,082,000 | $ 90,000 | $ 64,000 |
| Ross County Ohio | 23 | $ 2,339,000 | $ 101,000 | $ 88,000 |
| Muskingum County Ohio | 21 | $ 2,452,000 | $ 116,000 | $ 50,000 |
| Highland County Ohio | 20 | $ 1,866,000 | $ 93,000 | $ 71,000 |
| Madison County Kentucky | 19 | $ 2,480,000 | $ 130,000 | $ 58,000 |
| Franklin County Indiana | 18 | $ 2,397,000 | $ 133,000 | $ 71,000 |
| Cuyahoga County Ohio | 17 | $ 2,524,000 | $ 148,000 | $ 114,000 |
| Mercer County Ohio | 17 | $ 1,587,000 | $ 93,000 | $ 78,000 |
| Ripley County Indiana | 15 | $ 3,655,000 | $ 243,000 | $ 72,000 |
| Pendleton County Kentucky | 13 | $ 1,974,000 | $ 151,000 | $ 72,000 |
| Pulaski County Kentucky | 12 | $ 1,316,000 | $ 109,000 | $ 114,000 |
| Campbell County Tennessee | 11 | $ 1,689,000 | $ 153,000 | $ 135,000 |
| Auglaize County Ohio | 10 | $ 1,222,000 | $ 122,000 | $ 65,000 |
| Richland County Ohio | 10 | $ 864,000 | $ 86,000 | $ 59,000 |
| Monroe County Indiana | 9 | $ 951,000 | $ 105,000 | $ 76,000 |
| Mercer County Kentucky | 9 | $ 1,005,000 | $ 111,000 | $ 89,000 |
| Montgomery County Kentucky | 9 | $ 965,000 | $ 107,000 | $ 73,000 |
| Summit County Ohio | 9 | $ 1,715,000 | $ 190,000 | $ 88,000 |
| Gibson County Indiana | 8 | $ 970,000 | $ 121,000 | $ 68,000 |
| Tippecanoe County Indiana | 8 | $ 739,000 | $ 92,000 | $ 55,000 |
| Anderson County Kentucky | 8 | $ 1,067,000 | $ 133,000 | $ 69,000 |
| Garrard County Kentucky | 8 | $ 699,000 | $ 87,000 | $ 34,000 |
| Lorain County Ohio | 8 | $ 1,353,000 | $ 169,000 | $ 107,000 |
| Henry County Indiana | 7 | $ 774,000 | $ 110,000 | $ 71,000 |
| Jefferson County Kentucky | 7 | $ 726,000 | $ 103,000 | $ 44,000 |
| Coshocton County Ohio | 7 | $ 765,000 | $ 109,000 | $ 78,000 |
| Sarasota County Florida | 6 | $ 1,171,000 | $ 195,000 | $ 976,000 |
| Tipton County Indiana | 6 | $ 586,000 | $ 97,000 | $ 62,000 |
| Bourbon County Kentucky | 6 | $ 1,249,000 | $ 208,000 | $ 62,000 |
| Allen County Ohio | 6 | $ 497,000 | $ 82,000 | $ 57,000 |
| Athens County Ohio | 6 | $ 727,000 | $ 121,000 | $ 154,000 |
| Lucas County Ohio | 6 | $ 649,000 | $ 108,000 | $ 49,000 |
| Lee County Florida | 5 | $ 2,155,000 | $ 431,000 | $ 189,000 |
| Shelby County Indiana | 5 | $ 496,000 | $ 99,000 | $ 59,000 |
| Owen County Kentucky | 5 | $ 325,000 | $ 65,000 | $ 130,000 |
| Guernsey County Ohio | 5 | $ 472,000 | $ 94,000 | $ 87,000 |
| Holmes County Ohio | 5 | $ 637,000 | $ 127,000 | $ 64,000 |
| Delaware County Indiana | 4 | $ 416,000 | $ 104,000 | $ 68,000 |
| Montgomery County Indiana | 4 | $ 435,000 | $ 108,000 | $ 68,000 |
| Ohio County Indiana | 4 | $ 513,000 | $ 128,000 | $ 51,000 |
| Putnam County Indiana | 4 | $ 508,000 | $ 127,000 | $ 101,000 |
| Gallatin County Kentucky | 4 | $ 424,000 | $ 106,000 | $ 69,000 |
| Adams County Ohio | 4 | $ 359,000 | $ 89,000 | $ 45,000 |
| Crawford County Ohio | 4 | $ 271,000 | $ 67,000 | $ 72,000 |
| Ottawa County Ohio | 4 | $ 439,000 | $ 109,000 | $ 164,000 |
| Scioto County Ohio | 4 | $ 367,000 | $ 91,000 | $ 57,000 |
| Stark County Ohio | 4 | $ 612,000 | $ 153,000 | $ 54,000 |
| Wayne County Ohio | 4 | $ 621,000 | $ 155,000 | $ 171,000 |
| Martin County Florida | 3 | $ 495,000 | $ 165,000 | $ 111,000 |
| Palm Beach County Florida | 3 | $ 578,000 | $ 192,000 | $ 116,000 |
| Allen County Indiana | 3 | $ 275,000 | $ 91,000 | $ 35,000 |
| Brown County Indiana | 3 | $ 367,000 | $ 122,000 | $ 87,000 |
| Dubois County Indiana | 3 | $ 487,000 | $ 162,000 | $ 36,000 |
| Jackson County Indiana | 3 | $ 347,000 | $ 115,000 | $ 57,000 |
| Randolph County Indiana | 3 | $ 307,000 | $ 102,000 | $ 83,000 |
| Bracken County Kentucky | 3 | $ 385,000 | $ 128,000 | $ 71,000 |
| Daviess County Kentucky | 3 | $ 293,000 | $ 97,000 | $ 49,000 |
| Franklin County Kentucky | 3 | $ 237,000 | $ 79,000 | $ 50,000 |
| Harrison County Kentucky | 3 | $ 255,000 | $ 85,000 | $ 76,000 |
| Oldham County Kentucky | 3 | $ 516,000 | $ 172,000 | $ 117,000 |
| Cheboygan County Michigan | 3 | $ 474,000 | $ 158,000 | $ 316,000 |
| St. Louis County Missouri | 3 | $ 310,000 | $ 103,000 | $ 43,000 |
| Belmont County Ohio | 3 | $ 305,000 | $ 101,000 | $ 76,000 |
| Huron County Ohio | 3 | $ 342,000 | $ 114,000 | $ 54,000 |
| Lawrence County Ohio | 3 | $ 215,000 | $ 71,000 | $ 54,000 |
| Medina County Ohio | 3 | $ 542,000 | $ 180,000 | $ 89,000 |
| Morgan County Ohio | 3 | $ 225,000 | $ 75,000 | $ 65,000 |
| Pike County Ohio | 3 | $ 155,000 | $ 51,000 | $ 38,000 |
| Van Wert County Ohio | 3 | $ 245,000 | $ 81,000 | $ 75,000 |
| Sullivan County Tennessee | 3 | $ 348,000 | $ 116,000 | $ 57,000 |
| Los Angeles County California | 2 | $ 1,079,000 | $ 539,000 | $ 361,000 |
| Eagle County Colorado | 2 | $ 525,000 | $ 262,000 | $ 1,694,000 |
| Brevard County Florida | 2 | $ 223,000 | $ 111,000 | $ 87,000 |
| Broward County Florida | 2 | $ 575,000 | $ 287,000 | $ 173,000 |
| Hillsborough County Florida | 2 | $ 132,000 | $ 66,000 | $ 163,000 |
| Manatee County Florida | 2 | $ 600,000 | $ 300,000 | $ 840,000 |
| Pinellas County Florida | 2 | $ 322,000 | $ 161,000 | $ 101,000 |
| Bartholomew County Indiana | 2 | $ 338,000 | $ 169,000 | $ 91,000 |
| Cass County Indiana | 2 | $ 182,000 | $ 91,000 | $ 48,000 |
| Decatur County Indiana | 2 | $ 204,000 | $ 102,000 | $ 79,000 |
| Grant County Indiana | 2 | $ 158,000 | $ 79,000 | $ 87,000 |
| Porter County Indiana | 2 | $ 296,000 | $ 148,000 | $ 52,000 |
| Switzerland County Indiana | 2 | $ 295,000 | $ 147,000 | $ 82,000 |
| Bath County Kentucky | 2 | $ 246,000 | $ 123,000 | $ 64,000 |
| Henderson County Kentucky | 2 | $ 285,000 | $ 142,000 | $ 117,000 |
| Jackson County Kentucky | 2 | $ 214,000 | $ 107,000 | $ 102,000 |
| Larue County Kentucky | 2 | $ 85,000 | $ 42,000 | $ 45,000 |
| Laurel County Kentucky | 2 | $ 140,000 | $ 70,000 | $ 22,000 |
| Nicholas County Kentucky | 2 | $ 131,000 | $ 65,000 | $ 21,000 |
| Rowan County Kentucky | 2 | $ 175,000 | $ 87,000 | $ 63,000 |
| Russell County Kentucky | 2 | $ 159,000 | $ 79,000 | $ 94,000 |
| Wayne County Kentucky | 2 | $ 171,000 | $ 85,000 | $ 106,000 |
| Suffolk County Massachusetts | 2 | $ 840,000 | $ 420,000 | $ 0 |
| Emmet County Michigan | 2 | $ 248,000 | $ 124,000 | $ 118,000 |
| Brunswick County North Carolina | 2 | $ 699,000 | $ 349,000 | $ 63,000 |
| Ashland County Ohio | 2 | $ 186,000 | $ 93,000 | $ 78,000 |
| Erie County Ohio | 2 | $ 201,000 | $ 100,000 | $ 46,000 |
| Gallia County Ohio | 2 | $ 250,000 | $ 125,000 | $ 116,000 |
| Vinton County Ohio | 2 | $ 281,000 | $ 140,000 | $ 99,000 |
| Chester County Pennsylvania | 2 | $ 409,000 | $ 204,000 | $ 116,000 |
| Horry County South Carolina | 2 | $ 324,000 | $ 162,000 | $ 137,000 |
| Sevier County Tennessee | 2 | $ 201,000 | $ 100,000 | $ 86,000 |
| Tarrant County Texas | 2 | $ 112,000 | $ 56,000 | $ 60,000 |
| Prince William County Virginia | 2 | $ 261,000 | $ 130,000 | $ 49,000 |
| Maricopa County Arizona | 1 | $ 100,000 | $ 100,000 | $ 55,000 |
| Pima County Arizona | 1 | $ 95,000 | $ 95,000 | $ 84,000 |
| Yavapai County Arizona | 1 | $ 166,000 | $ 166,000 | $ 84,000 |
| Collier County Florida | 1 | $ 320,000 | $ 320,000 | $ 153,000 |
| Miami-Dade County Florida | 1 | $ 71,000 | $ 71,000 | $ 204,000 |
| Monroe County Florida | 1 | $ 13,500,000 | $ 13,500,000 | $ 0 |
| Nassau County Florida | 1 | $ 229,000 | $ 229,000 | $ 249,000 |
| Okaloosa County Florida | 1 | $ 144,000 | $ 144,000 | $ 93,000 |
| Osceola County Florida | 1 | $ 90,000 | $ 90,000 | $ 51,000 |
| Pasco County Florida | 1 | $ 52,000 | $ 52,000 | $ 87,000 |
| St. Lucie County Florida | 1 | $ 212,000 | $ 212,000 | $ 151,000 |
| Volusia County Florida | 1 | $ 122,000 | $ 122,000 | $ 57,000 |
| Glynn County Georgia | 1 | $ 53,000 | $ 53,000 | $ 126,000 |
| Gwinnett County Georgia | 1 | $ 293,000 | $ 293,000 | $ 153,000 |
| Habersham County Georgia | 1 | $ 110,000 | $ 110,000 | $ 54,000 |
| Newton County Georgia | 1 | $ 78,000 | $ 78,000 | $ 0 |
| Oconee County Georgia | 1 | $ 102,000 | $ 102,000 | $ 51,000 |
| Honolulu County Hawaii | 1 | $ 235,000 | $ 235,000 | $ 123,000 |
| Cook County Illinois | 1 | $ 94,000 | $ 94,000 | $ 112,000 |
| DuPage County Illinois | 1 | $ 131,000 | $ 131,000 | $ 95,000 |
| Kane County Illinois | 1 | $ 235,000 | $ 235,000 | $ 90,000 |
| Will County Illinois | 1 | $ 148,000 | $ 148,000 | $ 57,000 |
| Clark County Indiana | 1 | $ 64,000 | $ 64,000 | $ 40,000 |
| DeKalb County Indiana | 1 | $ 180,000 | $ 180,000 | $ 118,000 |
| Fayette County Indiana | 1 | $ 120,000 | $ 120,000 | $ 0 |
| Floyd County Indiana | 1 | $ 58,000 | $ 58,000 | $ 32,000 |
| Knox County Indiana | 1 | $ 27,000 | $ 27,000 | $ 21,000 |
| Kosciusko County Indiana | 1 | $ 82,000 | $ 82,000 | $ 96,000 |
| Lawrence County Indiana | 1 | $ 96,000 | $ 96,000 | $ 114,000 |
| Miami County Indiana | 1 | $ 105,000 | $ 105,000 | $ 50,000 |
| Noble County Indiana | 1 | $ 50,000 | $ 50,000 | $ 157,000 |
| Perry County Indiana | 1 | $ 131,000 | $ 131,000 | $ 47,000 |
| Pike County Indiana | 1 | $ 39,000 | $ 39,000 | $ 39,000 |
| Rush County Indiana | 1 | $ 75,000 | $ 75,000 | $ 42,000 |
| Sullivan County Indiana | 1 | $ 52,000 | $ 52,000 | $ 53,000 |
| Union County Indiana | 1 | $ 95,000 | $ 95,000 | $ 55,000 |
| Vermillion County Indiana | 1 | $ 150,000 | $ 150,000 | $ 60,000 |
| Wabash County Indiana | 1 | $ 76,000 | $ 76,000 | $ 40,000 |
| Wayne County Indiana | 1 | $ 124,000 | $ 124,000 | $ 66,000 |
| Wells County Indiana | 1 | $ 71,000 | $ 71,000 | $ 48,000 |
| Adair County Kentucky | 1 | $ 36,000 | $ 36,000 | $ 57,000 |
| Boyd County Kentucky | 1 | $ 124,000 | $ 124,000 | $ 87,000 |
| Boyle County Kentucky | 1 | $ 98,000 | $ 98,000 | $ 133,000 |
| Calloway County Kentucky | 1 | $ 290,000 | $ 290,000 | $ 125,000 |
| Green County Kentucky | 1 | $ 106,000 | $ 106,000 | $ 45,000 |
| Harlan County Kentucky | 1 | $ 60,000 | $ 60,000 | $ 22,000 |
| Hopkins County Kentucky | 1 | $ 75,000 | $ 75,000 | $ 88,000 |
| Johnson County Kentucky | 1 | $ 104,000 | $ 104,000 | $ 86,000 |
| Lyon County Kentucky | 1 | $ 59,000 | $ 59,000 | $ 37,000 |
| McCreary County Kentucky | 1 | $ 55,000 | $ 55,000 | $ 60,000 |
| Meade County Kentucky | 1 | $ 187,000 | $ 187,000 | $ 55,000 |
| Menifee County Kentucky | 1 | $ 32,000 | $ 32,000 | $ 82,000 |
| Powell County Kentucky | 1 | $ 59,000 | $ 59,000 | $ 26,000 |
| Whitley County Kentucky | 1 | $ 36,000 | $ 36,000 | $ 34,000 |
| Baltimore County Maryland | 1 | $ 255,000 | $ 255,000 | $ 82,000 |
| Charles County Maryland | 1 | $ 102,000 | $ 102,000 | $ 111,000 |
| Kent County Maryland | 1 | $ 136,000 | $ 136,000 | $ 73,000 |
| Alpena County Michigan | 1 | $ 158,000 | $ 158,000 | $ 280,000 |
| Branch County Michigan | 1 | $ 105,000 | $ 105,000 | $ 190,000 |
| Genesee County Michigan | 1 | $ 4,000 | $ 4,000 | $ 68,000 |
| Gladwin County Michigan | 1 | $ 65,000 | $ 65,000 | $ 222,000 |
| Ingham County Michigan | 1 | $ 180,000 | $ 180,000 | $ 115,000 |
| Livingston County Michigan | 1 | $ 85,000 | $ 85,000 | $ 67,000 |
| Manistee County Michigan | 1 | $ 183,000 | $ 183,000 | $ 264,000 |
| Monroe County Michigan | 1 | $ 194,000 | $ 194,000 | $ 117,000 |
| Muskegon County Michigan | 1 | $ 290,000 | $ 290,000 | $ 437,000 |
| Blue Earth County Minnesota | 1 | $ 300,000 | $ 300,000 | $ 452,000 |
| Ocean County New Jersey | 1 | $ 184,000 | $ 184,000 | $ 178,000 |
| Union County New Jersey | 1 | $ 1,360,000 | $ 1,360,000 | $ 1,418,000 |
| Wake County North Carolina | 1 | $ 124,000 | $ 124,000 | $ 91,000 |
| Geauga County Ohio | 1 | $ 133,000 | $ 133,000 | $ 98,000 |
| Hancock County Ohio | 1 | $ 170,000 | $ 170,000 | $ 60,000 |
| Hardin County Ohio | 1 | $ 70,000 | $ 70,000 | $ 64,000 |
| Mahoning County Ohio | 1 | $ 75,000 | $ 75,000 | $ 46,000 |
| Meigs County Ohio | 1 | $ 135,000 | $ 135,000 | $ 121,000 |
| Portage County Ohio | 1 | $ 215,000 | $ 215,000 | $ 69,000 |
| Trumbull County Ohio | 1 | $ 53,000 | $ 53,000 | $ 34,000 |
| Tuscarawas County Ohio | 1 | $ 80,000 | $ 80,000 | $ 94,000 |
| Washington County Ohio | 1 | $ 143,000 | $ 143,000 | $ 75,000 |
| Wood County Ohio | 1 | $ 83,000 | $ 83,000 | $ 51,000 |
| Wyandot County Ohio | 1 | $ 88,000 | $ 88,000 | $ 43,000 |
| Montgomery County Pennsylvania | 1 | $ 143,000 | $ 143,000 | $ 48,000 |
| Washington County Pennsylvania | 1 | $ 276,000 | $ 276,000 | $ 123,000 |
| Anderson County South Carolina | 1 | $ 123,000 | $ 123,000 | $ 87,000 |
| Beaufort County South Carolina | 1 | $ 292,000 | $ 292,000 | $ 305,000 |
| Cocke County Tennessee | 1 | $ 90,000 | $ 90,000 | $ 0 |
| Cumberland County Tennessee | 1 | $ 99,000 | $ 99,000 | $ 35,000 |
| Hamilton County Tennessee | 1 | $ 132,000 | $ 132,000 | $ 53,000 |
| Montgomery County Tennessee | 1 | $ 122,000 | $ 122,000 | $ 43,000 |
| Collin County Texas | 1 | $ 109,000 | $ 109,000 | $ 69,000 |
| Caroline County Virginia | 1 | $ 122,000 | $ 122,000 | $ 47,000 |
| Chesapeake County Virginia | 1 | $ 196,000 | $ 196,000 | $ 75,000 |
| Chesterfield County Virginia | 1 | $ 185,000 | $ 185,000 | $ 79,000 |
| Fairfax County Virginia | 1 | $ 100,000 | $ 100,000 | $ 46,000 |
| Henrico County Virginia | 1 | $ 280,000 | $ 280,000 | $ 120,000 |
| Loudoun County Virginia | 1 | $ 253,000 | $ 253,000 | $ 84,000 |
| Stafford County Virginia | 1 | $ 112,000 | $ 112,000 | $ 95,000 |
| Winchester County Virginia | 1 | $ 290,000 | $ 290,000 | $ 61,000 |
| Raleigh County West Virginia | 1 | $ 48,000 | $ 48,000 | $ 0 |
| Dane County Wisconsin | 1 | $ 150,000 | $ 150,000 | $ 59,000 |
| Rock County Wisconsin | 1 | $ 116,000 | $ 116,000 | $ 0 |
Mortgage Loan Application Detail Totals for Union Savings Bank in 2003
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 (home purchase or home improvement, one-to-four family) | 30,979 | $3,778,121,000 | $179,904 | $13,500,000 | $194,666 | $3,389,000 |
| Home Purchase (one-to-four family) | 4,041 | $528,238,000 | $268,333 | $1,360,000 | $171,055 | $1,418,000 |
| Multifamily dwelling (home purchase, home improvement, and refinancings) | 49 | $21,559,000 | $336,000 | $2,148,000 | $0 | $0 |
| Home Improvement (one-to-four family) | 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 | 32,317 | $3,964,891,000 | $222,304 | $13,500,000 | $200,739 | $3,389,000 |
| Asian or Pacific Islander | 999 | $138,980,000 | $164,375 | $637,000 | $92,250 | $569,000 |
| Information not provided by applicant in mail or telephone application | 674 | $82,867,000 | $152,142 | $563,000 | $112,714 | $1,012,000 |
| Black | 645 | $70,791,000 | $139,000 | $323,000 | $66,250 | $340,000 |
| Other | 209 | $28,792,000 | $133,000 | $900,000 | $81,000 | $409,000 |
| Hispanic | 134 | $17,411,000 | $184,333 | $342,000 | $119,500 | $290,000 |
| Not applicable | 67 | $22,036,000 | $420,333 | $2,148,000 | $0 | $0 |
| American Indian or Alaskan Native | 24 | $2,150,000 | $92,000 | $153,000 | $53,333 | $131,000 |
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) | 33,334 | $4,137,545,000 | $228,083 | $13,500,000 | $215,250 | $3,389,000 |
| FHA-insured (Federal Housing Administration) | 1,459 | $155,087,000 | $114,125 | $323,000 | $50,625 | $282,000 |
| VA-guaranteed (Veterans Administration) | 276 | $35,286,000 | $135,000 | $240,000 | $32,500 | $685,000 |
| 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 | 30,813 | $3,797,711,000 | $245,500 | $13,500,000 | $232,681 | $3,389,000 |
| Application Denied By Financial Institution | 2,238 | $270,522,000 | $109,000 | $1,844,000 | $76,000 | $1,544,000 |
| Application Withdrawn By Applicant | 1,167 | $146,154,000 | $111,833 | $700,000 | $74,750 | $631,000 |
| Application Approved But Not Accepted | 850 | $113,448,000 | $348,428 | $1,600,000 | $103,857 | $500,000 |
| File Closed For Incompleteness | 1 | $83,000 | $83,000 | $83,000 | $105,000 | $105,000 |
| Loan Purchased By The 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 | 795 | $87,393,000 | $116,600 | $397,000 | $49,400 | $505,000 |
| Debt-To-Income Ratio | 641 | $81,752,000 | $93,200 | $582,000 | $66,000 | $721,000 |
| Credit Application Incomplete | 344 | $43,991,000 | $125,333 | $1,000,000 | $59,833 | $500,000 |
| Collateral | 299 | $37,238,000 | $117,000 | $404,000 | $110,750 | $260,000 |
| Other | 55 | $6,256,000 | $100,600 | $585,000 | $139,600 | $1,544,000 |
| Unverifiable Information | 37 | $4,743,000 | $142,000 | $268,000 | $63,666 | $199,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 35 | $5,770,000 | $137,500 | $1,844,000 | $77,000 | $963,000 |
| Employment History | 30 | $3,062,000 | $92,333 | $229,000 | $37,000 | $150,000 |
| Mortgage Insurance Denied | 2 | $317,000 | $158,500 | $161,000 | $61,000 | $92,000 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Union Savings Bank's 2003 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 Union 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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with aggregated HMDA statistics today.