Union Savings Bank
HMDA Loan Application Totals
and Mortgage Lending Details
for 2004
Union Savings Bank 2004 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 | 14,300 |
| Total Mortgage Loan Application Amount | $1,909,987,000 |
| Average Mortgage Loan Application Amount | $197,657 |
| Highest Mortgage Loan Application Amount | $5,000,000 |
| Average Applicant Income | $103,026 |
| Highest Applicant Income | $3,116,000 |
Explore comprehensive HMDA mortgage statistics and lending trends for 2004 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 2004 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 2004.
| County | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loans Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Montgomery County Ohio | 2,388 | $ 263,000,000 | $ 110,000 | $ 62,000 |
| Franklin County Ohio | 2,159 | $ 279,372,000 | $ 129,000 | $ 70,000 |
| Hamilton County Ohio | 1,995 | $ 285,431,000 | $ 143,000 | $ 65,000 |
| Butler County Ohio | 1,611 | $ 204,301,000 | $ 126,000 | $ 64,000 |
| Warren County Ohio | 1,129 | $ 175,604,000 | $ 155,000 | $ 157,000 |
| Clermont County Ohio | 555 | $ 84,725,000 | $ 152,000 | $ 70,000 |
| Greene County Ohio | 496 | $ 65,672,000 | $ 132,000 | $ 67,000 |
| Hamilton County Indiana | 408 | $ 72,754,000 | $ 178,000 | $ 87,000 |
| Delaware County Ohio | 408 | $ 73,579,000 | $ 180,000 | $ 80,000 |
| Marion County Indiana | 385 | $ 49,207,000 | $ 127,000 | $ 66,000 |
| Fairfield County Ohio | 330 | $ 41,904,000 | $ 126,000 | $ 71,000 |
| Miami County Ohio | 300 | $ 34,412,000 | $ 114,000 | $ 66,000 |
| Licking County Ohio | 158 | $ 24,050,000 | $ 152,000 | $ 69,000 |
| Kenton County Kentucky | 151 | $ 18,981,000 | $ 125,000 | $ 57,000 |
| Boone County Kentucky | 119 | $ 16,016,000 | $ 134,000 | $ 66,000 |
| Clark County Ohio | 110 | $ 11,215,000 | $ 101,000 | $ 65,000 |
| Union County Ohio | 95 | $ 13,849,000 | $ 145,000 | $ 70,000 |
| Hendricks County Indiana | 91 | $ 13,206,000 | $ 145,000 | $ 78,000 |
| Vanderburgh County Indiana | 78 | $ 9,591,000 | $ 122,000 | $ 63,000 |
| Campbell County Kentucky | 77 | $ 10,384,000 | $ 134,000 | $ 68,000 |
| Madison County Ohio | 72 | $ 9,498,000 | $ 131,000 | $ 72,000 |
| Johnson County Indiana | 60 | $ 8,112,000 | $ 135,000 | $ 90,000 |
| Darke County Ohio | 57 | $ 6,659,000 | $ 116,000 | $ 59,000 |
| Dearborn County Indiana | 50 | $ 7,008,000 | $ 140,000 | $ 78,000 |
| Fayette County Kentucky | 50 | $ 6,903,000 | $ 138,000 | $ 78,000 |
| Preble County Ohio | 50 | $ 4,906,000 | $ 98,000 | $ 45,000 |
| Shelby County Ohio | 49 | $ 4,577,000 | $ 93,000 | $ 43,000 |
| Boone County Indiana | 43 | $ 7,603,000 | $ 176,000 | $ 79,000 |
| Brown County Ohio | 41 | $ 4,476,000 | $ 109,000 | $ 60,000 |
| Clinton County Ohio | 41 | $ 4,452,000 | $ 108,000 | $ 66,000 |
| Hancock County Indiana | 38 | $ 5,950,000 | $ 156,000 | $ 80,000 |
| Hocking County Ohio | 36 | $ 3,656,000 | $ 101,000 | $ 85,000 |
| Pickaway County Ohio | 35 | $ 4,552,000 | $ 130,000 | $ 49,000 |
| Champaign County Ohio | 29 | $ 3,285,000 | $ 113,000 | $ 65,000 |
| Knox County Ohio | 29 | $ 3,337,000 | $ 115,000 | $ 83,000 |
| Perry County Ohio | 25 | $ 2,535,000 | $ 101,000 | $ 60,000 |
| Morgan County Indiana | 17 | $ 2,535,000 | $ 149,000 | $ 108,000 |
| Cuyahoga County Ohio | 17 | $ 2,220,000 | $ 130,000 | $ 56,000 |
| Logan County Ohio | 17 | $ 1,791,000 | $ 105,000 | $ 61,000 |
| Howard County Indiana | 16 | $ 1,875,000 | $ 117,000 | $ 67,000 |
| Marion County Ohio | 15 | $ 1,479,000 | $ 98,000 | $ 67,000 |
| Morrow County Ohio | 14 | $ 1,850,000 | $ 132,000 | $ 82,000 |
| Highland County Ohio | 13 | $ 1,442,000 | $ 110,000 | $ 87,000 |
| Posey County Indiana | 12 | $ 1,476,000 | $ 123,000 | $ 77,000 |
| Shelby County Indiana | 12 | $ 1,974,000 | $ 164,000 | $ 85,000 |
| Warrick County Indiana | 12 | $ 1,348,000 | $ 112,000 | $ 63,000 |
| Muskingum County Ohio | 11 | $ 1,228,000 | $ 111,000 | $ 62,000 |
| Franklin County Indiana | 10 | $ 1,424,000 | $ 142,000 | $ 60,000 |
| Fayette County Ohio | 10 | $ 1,537,000 | $ 153,000 | $ 79,000 |
| Madison County Indiana | 9 | $ 974,000 | $ 108,000 | $ 86,000 |
| Richland County Ohio | 9 | $ 851,000 | $ 94,000 | $ 49,000 |
| Ross County Ohio | 9 | $ 1,022,000 | $ 113,000 | $ 56,000 |
| Athens County Ohio | 8 | $ 1,186,000 | $ 148,000 | $ 99,000 |
| Auglaize County Ohio | 8 | $ 611,000 | $ 76,000 | $ 68,000 |
| Summit County Ohio | 8 | $ 1,229,000 | $ 153,000 | $ 86,000 |
| Grant County Kentucky | 7 | $ 927,000 | $ 132,000 | $ 45,000 |
| Scott County Kentucky | 7 | $ 831,000 | $ 118,000 | $ 51,000 |
| Adams County Ohio | 7 | $ 743,000 | $ 106,000 | $ 38,000 |
| Erie County Ohio | 7 | $ 1,178,000 | $ 168,000 | $ 148,000 |
| Campbell County Tennessee | 7 | $ 1,242,000 | $ 177,000 | $ 158,000 |
| Ripley County Indiana | 6 | $ 879,000 | $ 146,000 | $ 70,000 |
| Spencer County Indiana | 6 | $ 581,000 | $ 96,000 | $ 74,000 |
| Mercer County Ohio | 6 | $ 875,000 | $ 145,000 | $ 60,000 |
| Lee County Florida | 5 | $ 1,364,000 | $ 272,000 | $ 242,000 |
| Putnam County Indiana | 5 | $ 564,000 | $ 112,000 | $ 69,000 |
| Tipton County Indiana | 5 | $ 714,000 | $ 142,000 | $ 199,000 |
| Pulaski County Kentucky | 5 | $ 619,000 | $ 123,000 | $ 125,000 |
| Wayne County Ohio | 5 | $ 688,000 | $ 137,000 | $ 46,000 |
| Palm Beach County Florida | 4 | $ 664,000 | $ 166,000 | $ 114,000 |
| Brown County Indiana | 4 | $ 324,000 | $ 81,000 | $ 56,000 |
| Dubois County Indiana | 4 | $ 458,000 | $ 114,000 | $ 38,000 |
| Bracken County Kentucky | 4 | $ 301,000 | $ 75,000 | $ 69,000 |
| Gallatin County Kentucky | 4 | $ 421,000 | $ 105,000 | $ 48,000 |
| Montgomery County Kentucky | 4 | $ 283,000 | $ 70,000 | $ 44,000 |
| Pendleton County Kentucky | 4 | $ 642,000 | $ 160,000 | $ 102,000 |
| Woodford County Kentucky | 4 | $ 251,000 | $ 62,000 | $ 42,000 |
| Lorain County Ohio | 4 | $ 400,000 | $ 100,000 | $ 63,000 |
| Lucas County Ohio | 4 | $ 470,000 | $ 117,000 | $ 50,000 |
| Sevier County Tennessee | 4 | $ 786,000 | $ 196,000 | $ 121,000 |
| Charlotte County Florida | 3 | $ 372,000 | $ 124,000 | $ 130,000 |
| Collier County Florida | 3 | $ 1,685,000 | $ 561,000 | $ 132,000 |
| Monroe County Florida | 3 | $ 939,000 | $ 313,000 | $ 152,000 |
| Sarasota County Florida | 3 | $ 501,000 | $ 167,000 | $ 104,000 |
| Walton County Florida | 3 | $ 615,000 | $ 205,000 | $ 139,000 |
| Cook County Illinois | 3 | $ 619,000 | $ 206,000 | $ 63,000 |
| Bartholomew County Indiana | 3 | $ 426,000 | $ 142,000 | $ 316,000 |
| Delaware County Indiana | 3 | $ 250,000 | $ 83,000 | $ 54,000 |
| Floyd County Indiana | 3 | $ 371,000 | $ 123,000 | $ 47,000 |
| Henry County Indiana | 3 | $ 391,000 | $ 130,000 | $ 132,000 |
| Monroe County Indiana | 3 | $ 401,000 | $ 133,000 | $ 40,000 |
| Tippecanoe County Indiana | 3 | $ 330,000 | $ 110,000 | $ 85,000 |
| Vigo County Indiana | 3 | $ 330,000 | $ 110,000 | $ 54,000 |
| Wabash County Indiana | 3 | $ 136,000 | $ 45,000 | $ 36,000 |
| Harrison County Kentucky | 3 | $ 352,000 | $ 117,000 | $ 35,000 |
| Coshocton County Ohio | 3 | $ 424,000 | $ 141,000 | $ 74,000 |
| Hardin County Ohio | 3 | $ 237,000 | $ 79,000 | $ 65,000 |
| Jackson County Ohio | 3 | $ 245,000 | $ 81,000 | $ 65,000 |
| Scioto County Ohio | 3 | $ 313,000 | $ 104,000 | $ 72,000 |
| Seneca County Ohio | 3 | $ 323,000 | $ 107,000 | $ 48,000 |
| Tuscarawas County Ohio | 3 | $ 383,000 | $ 127,000 | $ 52,000 |
| Knox County Tennessee | 3 | $ 752,000 | $ 250,000 | $ 123,000 |
| Hillsborough County Florida | 2 | $ 205,000 | $ 102,000 | $ 136,000 |
| Pinellas County Florida | 2 | $ 207,000 | $ 103,000 | $ 132,000 |
| St. Johns County Florida | 2 | $ 242,000 | $ 121,000 | $ 405,000 |
| Allen County Indiana | 2 | $ 369,000 | $ 184,000 | $ 78,000 |
| Kosciusko County Indiana | 2 | $ 185,000 | $ 92,000 | $ 70,000 |
| Ohio County Indiana | 2 | $ 347,000 | $ 173,000 | $ 34,000 |
| Switzerland County Indiana | 2 | $ 157,000 | $ 78,000 | $ 24,000 |
| Union County Indiana | 2 | $ 235,000 | $ 117,000 | $ 57,000 |
| Wayne County Indiana | 2 | $ 208,000 | $ 104,000 | $ 81,000 |
| Clark County Kentucky | 2 | $ 128,000 | $ 64,000 | $ 54,000 |
| Henderson County Kentucky | 2 | $ 201,000 | $ 100,000 | $ 45,000 |
| Jessamine County Kentucky | 2 | $ 209,000 | $ 104,000 | $ 63,000 |
| Madison County Kentucky | 2 | $ 325,000 | $ 162,000 | $ 68,000 |
| Mercer County Kentucky | 2 | $ 320,000 | $ 160,000 | $ 88,000 |
| Oldham County Kentucky | 2 | $ 428,000 | $ 214,000 | $ 106,000 |
| Clinton County Michigan | 2 | $ 400,000 | $ 200,000 | $ 77,000 |
| Clark County Nevada | 2 | $ 451,000 | $ 225,000 | $ 85,000 |
| Brunswick County North Carolina | 2 | $ 637,000 | $ 318,000 | $ 273,000 |
| Morgan County Ohio | 2 | $ 316,000 | $ 158,000 | $ 72,000 |
| Ottawa County Ohio | 2 | $ 250,000 | $ 125,000 | $ 141,000 |
| Portage County Ohio | 2 | $ 269,000 | $ 134,000 | $ 61,000 |
| Stark County Ohio | 2 | $ 161,000 | $ 80,000 | $ 24,000 |
| Wood County Ohio | 2 | $ 294,000 | $ 147,000 | $ 23,000 |
| Allegheny County Pennsylvania | 2 | $ 200,000 | $ 100,000 | $ 47,000 |
| Horry County South Carolina | 2 | $ 146,000 | $ 73,000 | $ 109,000 |
| Marin County California | 1 | $ 146,000 | $ 146,000 | $ 149,000 |
| Eagle County Colorado | 1 | $ 60,000 | $ 60,000 | $ 189,000 |
| Alachua County Florida | 1 | $ 334,000 | $ 334,000 | $ 110,000 |
| Flagler County Florida | 1 | $ 90,000 | $ 90,000 | $ 75,000 |
| Leon County Florida | 1 | $ 157,000 | $ 157,000 | $ 68,000 |
| Manatee County Florida | 1 | $ 595,000 | $ 595,000 | $ 796,000 |
| Marion County Florida | 1 | $ 52,000 | $ 52,000 | $ 35,000 |
| Miami-Dade County Florida | 1 | $ 225,000 | $ 225,000 | $ 119,000 |
| Osceola County Florida | 1 | $ 212,000 | $ 212,000 | $ 117,000 |
| Pasco County Florida | 1 | $ 148,000 | $ 148,000 | $ 87,000 |
| Santa Rosa County Florida | 1 | $ 167,000 | $ 167,000 | $ 56,000 |
| Seminole County Florida | 1 | $ 108,000 | $ 108,000 | $ 49,000 |
| Volusia County Florida | 1 | $ 559,000 | $ 559,000 | $ 62,000 |
| DuPage County Illinois | 1 | $ 283,000 | $ 283,000 | $ 78,000 |
| Kane County Illinois | 1 | $ 191,000 | $ 191,000 | $ 80,000 |
| Clay County Indiana | 1 | $ 70,000 | $ 70,000 | $ 57,000 |
| Fountain County Indiana | 1 | $ 69,000 | $ 69,000 | $ 20,000 |
| Fulton County Indiana | 1 | $ 153,000 | $ 153,000 | $ 103,000 |
| Gibson County Indiana | 1 | $ 164,000 | $ 164,000 | $ 76,000 |
| Grant County Indiana | 1 | $ 73,000 | $ 73,000 | $ 34,000 |
| Jackson County Indiana | 1 | $ 78,000 | $ 78,000 | $ 89,000 |
| Lawrence County Indiana | 1 | $ 96,000 | $ 96,000 | $ 114,000 |
| Montgomery County Indiana | 1 | $ 138,000 | $ 138,000 | $ 132,000 |
| Perry County Indiana | 1 | $ 86,000 | $ 86,000 | $ 46,000 |
| Rush County Indiana | 1 | $ 230,000 | $ 230,000 | $ 77,000 |
| St. Joseph County Indiana | 1 | $ 232,000 | $ 232,000 | $ 133,000 |
| White County Indiana | 1 | $ 36,000 | $ 36,000 | $ 53,000 |
| Linn County Iowa | 1 | $ 215,000 | $ 215,000 | $ 0 |
| Johnson County Kansas | 1 | $ 141,000 | $ 141,000 | $ 73,000 |
| Adair County Kentucky | 1 | $ 60,000 | $ 60,000 | $ 59,000 |
| Anderson County Kentucky | 1 | $ 79,000 | $ 79,000 | $ 88,000 |
| Bourbon County Kentucky | 1 | $ 106,000 | $ 106,000 | $ 90,000 |
| Boyd County Kentucky | 1 | $ 180,000 | $ 180,000 | $ 66,000 |
| Boyle County Kentucky | 1 | $ 22,000 | $ 22,000 | $ 28,000 |
| Clinton County Kentucky | 1 | $ 47,000 | $ 47,000 | $ 102,000 |
| Daviess County Kentucky | 1 | $ 135,000 | $ 135,000 | $ 107,000 |
| Hopkins County Kentucky | 1 | $ 68,000 | $ 68,000 | $ 61,000 |
| Jefferson County Kentucky | 1 | $ 510,000 | $ 510,000 | $ 369,000 |
| Johnson County Kentucky | 1 | $ 102,000 | $ 102,000 | $ 98,000 |
| Knox County Kentucky | 1 | $ 130,000 | $ 130,000 | $ 79,000 |
| Laurel County Kentucky | 1 | $ 80,000 | $ 80,000 | $ 61,000 |
| Lewis County Kentucky | 1 | $ 79,000 | $ 79,000 | $ 42,000 |
| Menifee County Kentucky | 1 | $ 25,000 | $ 25,000 | $ 100,000 |
| Owen County Kentucky | 1 | $ 98,000 | $ 98,000 | $ 53,000 |
| Powell County Kentucky | 1 | $ 70,000 | $ 70,000 | $ 0 |
| Russell County Kentucky | 1 | $ 31,000 | $ 31,000 | $ 125,000 |
| Wayne County Kentucky | 1 | $ 187,000 | $ 187,000 | $ 77,000 |
| Wolfe County Kentucky | 1 | $ 50,000 | $ 50,000 | $ 78,000 |
| Anne Arundel County Maryland | 1 | $ 600,000 | $ 600,000 | $ 100,000 |
| Suffolk County Massachusetts | 1 | $ 508,000 | $ 508,000 | $ 0 |
| Presque Isle County Michigan | 1 | $ 133,000 | $ 133,000 | $ 448,000 |
| St. Joseph County Michigan | 1 | $ 67,000 | $ 67,000 | $ 39,000 |
| Washtenaw County Michigan | 1 | $ 152,000 | $ 152,000 | $ 137,000 |
| Itasca County Minnesota | 1 | $ 56,000 | $ 56,000 | $ 57,000 |
| Ripley County Missouri | 1 | $ 83,000 | $ 83,000 | $ 65,000 |
| Carroll County New Hampshire | 1 | $ 11,000 | $ 11,000 | $ 127,000 |
| New York County New York | 1 | $ 1,000,000 | $ 1,000,000 | $ 181,000 |
| Caldwell County North Carolina | 1 | $ 130,000 | $ 130,000 | $ 82,000 |
| Cumberland County North Carolina | 1 | $ 95,000 | $ 95,000 | $ 52,000 |
| Nash County North Carolina | 1 | $ 106,000 | $ 106,000 | $ 84,000 |
| Orange County North Carolina | 1 | $ 109,000 | $ 109,000 | $ 600,000 |
| Allen County Ohio | 1 | $ 97,000 | $ 97,000 | $ 64,000 |
| Belmont County Ohio | 1 | $ 106,000 | $ 106,000 | $ 71,000 |
| Gallia County Ohio | 1 | $ 55,000 | $ 55,000 | $ 77,000 |
| Guernsey County Ohio | 1 | $ 77,000 | $ 77,000 | $ 84,000 |
| Holmes County Ohio | 1 | $ 146,000 | $ 146,000 | $ 79,000 |
| Huron County Ohio | 1 | $ 78,000 | $ 78,000 | $ 0 |
| Jefferson County Ohio | 1 | $ 73,000 | $ 73,000 | $ 71,000 |
| Lake County Ohio | 1 | $ 43,000 | $ 43,000 | $ 25,000 |
| Lawrence County Ohio | 1 | $ 64,000 | $ 64,000 | $ 44,000 |
| Mahoning County Ohio | 1 | $ 85,000 | $ 85,000 | $ 83,000 |
| Noble County Ohio | 1 | $ 84,000 | $ 84,000 | $ 54,000 |
| Pike County Ohio | 1 | $ 130,000 | $ 130,000 | $ 42,000 |
| Putnam County Ohio | 1 | $ 99,000 | $ 99,000 | $ 39,000 |
| Trumbull County Ohio | 1 | $ 122,000 | $ 122,000 | $ 49,000 |
| Beaver County Pennsylvania | 1 | $ 38,000 | $ 38,000 | $ 73,000 |
| Lehigh County Pennsylvania | 1 | $ 250,000 | $ 250,000 | $ 117,000 |
| Montgomery County Pennsylvania | 1 | $ 280,000 | $ 280,000 | $ 150,000 |
| Westmoreland County Pennsylvania | 1 | $ 68,000 | $ 68,000 | $ 69,000 |
| Newport County Rhode Island | 1 | $ 361,000 | $ 361,000 | $ 281,000 |
| Washington County Rhode Island | 1 | $ 220,000 | $ 220,000 | $ 129,000 |
| Dorchester County South Carolina | 1 | $ 131,000 | $ 131,000 | $ 52,000 |
| Georgetown County South Carolina | 1 | $ 190,000 | $ 190,000 | $ 467,000 |
| Williamson County Tennessee | 1 | $ 259,000 | $ 259,000 | $ 78,000 |
| Hidalgo County Texas | 1 | $ 35,000 | $ 35,000 | $ 34,000 |
| Winchester County Virginia | 1 | $ 115,000 | $ 115,000 | $ 48,000 |
| Wood County West Virginia | 1 | $ 260,000 | $ 260,000 | $ 0 |
Mortgage Loan Application Detail Totals for Union Savings Bank in 2004
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 | 9,989 | $1,294,508,000 | $169,470 | $5,000,000 | $101,588 | $3,116,000 |
| Home Purchase | 4,166 | $596,575,000 | $192,117 | $4,500,000 | $103,352 | $3,116,000 |
| Home Improvement | 145 | $18,904,000 | $341,000 | $1,000,000 | $107,750 | $250,000 |
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 | 12,929 | $1,687,519,000 | $215,040 | $2,500,000 | $101,360 | $2,323,000 |
| Asian | 482 | $74,194,000 | $151,000 | $656,000 | $92,000 | $584,000 |
| Black or African American | 436 | $53,395,000 | $103,666 | $1,000,000 | $74,000 | $3,116,000 |
| Not Provided | 222 | $37,565,000 | $156,750 | $4,500,000 | $72,000 | $343,000 |
| Not applicable | 118 | $40,192,000 | $281,666 | $5,000,000 | $333 | $111,000 |
| Hispanic | 78 | $11,629,000 | $222,333 | $504,000 | $153,333 | $377,000 |
| American Indian or Alaskan Native | 19 | $2,883,000 | $140,500 | $334,000 | $87,500 | $281,000 |
| Native Hawaiian or Other Pacific Islander | 16 | $2,610,000 | $146,500 | $350,000 | $68,500 | $184,000 |
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) | 13,198 | $1,786,108,000 | $216,880 | $5,000,000 | $102,520 | $3,116,000 |
| FHA-insured (Federal Housing Administration) | 968 | $105,296,000 | $100,250 | $297,000 | $46,000 | $246,000 |
| VA-guaranteed (Veterans Administration) | 132 | $18,377,000 | $148,666 | $238,000 | $58,333 | $155,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 2 | $206,000 | $103,000 | $123,000 | $35,000 | $41,000 |
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 | 11,477 | $1,531,061,000 | $244,250 | $5,000,000 | $108,100 | $3,116,000 |
| Application Denied By Financial Institution | 1,789 | $238,163,000 | $142,833 | $4,500,000 | $85,666 | $850,000 |
| Application Withdrawn By Applicant | 606 | $80,272,000 | $165,166 | $1,650,000 | $83,500 | $3,116,000 |
| Application Approved But Not Accepted | 428 | $60,491,000 | $161,333 | $3,600,000 | $101,166 | $578,000 |
| File Closed For Incompleteness | 0 | $0 | $0 | $0 | $0 | $0 |
| 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 | 669 | $77,996,000 | $118,400 | $722,000 | $57,200 | $750,000 |
| Debt-To-Income Ratio | 486 | $71,466,000 | $160,333 | $2,500,000 | $118,166 | $737,000 |
| Credit Application Incomplete | 304 | $43,479,000 | $173,833 | $1,000,000 | $104,000 | $850,000 |
| Collateral | 171 | $20,171,000 | $112,666 | $546,000 | $71,666 | $300,000 |
| Other | 81 | $11,991,000 | $224,800 | $750,000 | $81,400 | $369,000 |
| Employment History | 28 | $2,911,000 | $113,333 | $230,000 | $55,666 | $114,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 26 | $7,268,000 | $166,000 | $4,500,000 | $57,666 | $270,000 |
| Unverifiable Information | 24 | $2,881,000 | $131,500 | $278,000 | $42,000 | $172,000 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Union Savings Bank's 2004 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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