Union Savings Bank
HMDA Loan Application Totals
and Mortgage Lending Details
for 2005
Union Savings Bank 2005 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 | 8,910 |
| Total Mortgage Loan Application Amount | $1,299,873,000 |
| Average Mortgage Loan Application Amount | $305,460 |
| Highest Mortgage Loan Application Amount | $5,500,000 |
| Average Applicant Income | $115,400 |
| Highest Applicant Income | $1,794,000 |
Explore comprehensive HMDA mortgage statistics and lending trends for 2005 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 2005 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 2005.
| 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 | 1,522 | $ 240,316,000 | $ 157,000 | $ 66,000 |
| Montgomery County Ohio | 1,514 | $ 178,151,000 | $ 117,000 | $ 59,000 |
| Butler County Ohio | 1,084 | $ 142,781,000 | $ 131,000 | $ 58,000 |
| Franklin County Ohio | 1,064 | $ 144,789,000 | $ 136,000 | $ 67,000 |
| Warren County Ohio | 676 | $ 112,369,000 | $ 166,000 | $ 72,000 |
| Greene County Ohio | 351 | $ 51,820,000 | $ 147,000 | $ 65,000 |
| Clermont County Ohio | 318 | $ 51,308,000 | $ 161,000 | $ 56,000 |
| Marion County Indiana | 256 | $ 37,758,000 | $ 147,000 | $ 67,000 |
| Hamilton County Indiana | 220 | $ 44,983,000 | $ 204,000 | $ 95,000 |
| Miami County Ohio | 206 | $ 24,960,000 | $ 121,000 | $ 57,000 |
| Delaware County Ohio | 197 | $ 39,347,000 | $ 199,000 | $ 85,000 |
| Fairfield County Ohio | 165 | $ 22,014,000 | $ 133,000 | $ 60,000 |
| Kenton County Kentucky | 101 | $ 13,260,000 | $ 131,000 | $ 68,000 |
| Licking County Ohio | 85 | $ 13,297,000 | $ 156,000 | $ 74,000 |
| Hendricks County Indiana | 66 | $ 10,254,000 | $ 155,000 | $ 83,000 |
| Boone County Kentucky | 61 | $ 9,375,000 | $ 153,000 | $ 57,000 |
| Clark County Ohio | 57 | $ 6,397,000 | $ 112,000 | $ 52,000 |
| Campbell County Kentucky | 46 | $ 6,131,000 | $ 133,000 | $ 106,000 |
| Darke County Ohio | 42 | $ 4,089,000 | $ 97,000 | $ 49,000 |
| Dearborn County Indiana | 40 | $ 5,702,000 | $ 142,000 | $ 54,000 |
| Preble County Ohio | 38 | $ 4,706,000 | $ 123,000 | $ 72,000 |
| Johnson County Indiana | 36 | $ 4,585,000 | $ 127,000 | $ 61,000 |
| Union County Ohio | 36 | $ 6,491,000 | $ 180,000 | $ 80,000 |
| Clinton County Ohio | 30 | $ 3,984,000 | $ 132,000 | $ 63,000 |
| Brown County Ohio | 29 | $ 3,615,000 | $ 124,000 | $ 51,000 |
| Champaign County Ohio | 29 | $ 3,548,000 | $ 122,000 | $ 57,000 |
| Madison County Ohio | 29 | $ 3,340,000 | $ 115,000 | $ 58,000 |
| Hocking County Ohio | 27 | $ 3,913,000 | $ 144,000 | $ 71,000 |
| Pickaway County Ohio | 27 | $ 3,641,000 | $ 134,000 | $ 58,000 |
| Shelby County Ohio | 25 | $ 2,838,000 | $ 113,000 | $ 59,000 |
| Boone County Indiana | 20 | $ 4,084,000 | $ 204,000 | $ 113,000 |
| Knox County Ohio | 19 | $ 2,732,000 | $ 143,000 | $ 61,000 |
| Perry County Ohio | 19 | $ 1,881,000 | $ 99,000 | $ 57,000 |
| Hancock County Indiana | 18 | $ 2,654,000 | $ 147,000 | $ 70,000 |
| Morgan County Indiana | 17 | $ 2,972,000 | $ 174,000 | $ 76,000 |
| Morrow County Ohio | 16 | $ 2,301,000 | $ 143,000 | $ 63,000 |
| Sarasota County Florida | 10 | $ 4,860,000 | $ 486,000 | $ 220,000 |
| Madison County Indiana | 10 | $ 939,000 | $ 93,000 | $ 53,000 |
| Summit County Ohio | 10 | $ 1,518,000 | $ 151,000 | $ 102,000 |
| Lee County Florida | 9 | $ 2,970,000 | $ 330,000 | $ 222,000 |
| Palm Beach County Florida | 9 | $ 3,315,000 | $ 368,000 | $ 223,000 |
| Howard County Indiana | 9 | $ 946,000 | $ 105,000 | $ 76,000 |
| Vanderburgh County Indiana | 9 | $ 1,146,000 | $ 127,000 | $ 53,000 |
| Marion County Ohio | 9 | $ 964,000 | $ 107,000 | $ 53,000 |
| Fayette County Kentucky | 8 | $ 1,519,000 | $ 189,000 | $ 56,000 |
| Muhlenberg County Kentucky | 8 | $ 642,000 | $ 80,000 | $ 32,000 |
| Shelby County Indiana | 7 | $ 981,000 | $ 140,000 | $ 73,000 |
| Adams County Ohio | 7 | $ 638,000 | $ 91,000 | $ 53,000 |
| Highland County Ohio | 7 | $ 730,000 | $ 104,000 | $ 63,000 |
| Logan County Ohio | 7 | $ 937,000 | $ 133,000 | $ 56,000 |
| Ottawa County Ohio | 7 | $ 1,343,000 | $ 191,000 | $ 99,000 |
| Franklin County Indiana | 6 | $ 780,000 | $ 130,000 | $ 60,000 |
| Tippecanoe County Indiana | 6 | $ 749,000 | $ 124,000 | $ 77,000 |
| Warrick County Indiana | 6 | $ 921,000 | $ 153,000 | $ 80,000 |
| Grant County Kentucky | 6 | $ 542,000 | $ 90,000 | $ 53,000 |
| Auglaize County Ohio | 5 | $ 740,000 | $ 148,000 | $ 60,000 |
| Cuyahoga County Ohio | 5 | $ 750,000 | $ 150,000 | $ 47,000 |
| Fayette County Ohio | 5 | $ 482,000 | $ 96,000 | $ 62,000 |
| Mercer County Ohio | 5 | $ 671,000 | $ 134,000 | $ 119,000 |
| Muskingum County Ohio | 5 | $ 578,000 | $ 115,000 | $ 51,000 |
| Ross County Ohio | 5 | $ 549,000 | $ 109,000 | $ 49,000 |
| Washington County Ohio | 5 | $ 561,000 | $ 112,000 | $ 55,000 |
| Bartholomew County Indiana | 4 | $ 662,000 | $ 165,000 | $ 61,000 |
| Putnam County Indiana | 4 | $ 515,000 | $ 128,000 | $ 95,000 |
| Switzerland County Indiana | 4 | $ 338,000 | $ 84,000 | $ 47,000 |
| Pendleton County Kentucky | 4 | $ 585,000 | $ 146,000 | $ 82,000 |
| Scott County Kentucky | 4 | $ 504,000 | $ 126,000 | $ 63,000 |
| Ashland County Ohio | 4 | $ 1,300,000 | $ 325,000 | $ 39,000 |
| Athens County Ohio | 4 | $ 238,000 | $ 59,000 | $ 67,000 |
| Erie County Ohio | 4 | $ 1,486,000 | $ 371,000 | $ 173,000 |
| Lucas County Ohio | 4 | $ 525,000 | $ 131,000 | $ 68,000 |
| Summit County Utah | 4 | $ 3,061,000 | $ 765,000 | $ 275,000 |
| Mohave County Arizona | 3 | $ 328,000 | $ 109,000 | $ 112,000 |
| Henderson County Kentucky | 3 | $ 271,000 | $ 90,000 | $ 44,000 |
| Jefferson County Kentucky | 3 | $ 919,000 | $ 306,000 | $ 266,000 |
| Coshocton County Ohio | 3 | $ 356,000 | $ 118,000 | $ 34,000 |
| Gallia County Ohio | 3 | $ 295,000 | $ 98,000 | $ 93,000 |
| Stark County Ohio | 3 | $ 411,000 | $ 137,000 | $ 75,000 |
| Vinton County Ohio | 3 | $ 300,000 | $ 100,000 | $ 105,000 |
| Wayne County Ohio | 3 | $ 449,000 | $ 149,000 | $ 50,000 |
| Charleston County South Carolina | 3 | $ 991,000 | $ 330,000 | $ 158,000 |
| Loudoun County Virginia | 3 | $ 1,285,000 | $ 428,000 | $ 103,000 |
| Maricopa County Arizona | 2 | $ 540,000 | $ 270,000 | $ 52,000 |
| Lake County Florida | 2 | $ 724,000 | $ 362,000 | $ 123,000 |
| Monroe County Florida | 2 | $ 5,798,000 | $ 2,899,000 | $ 823,000 |
| Volusia County Florida | 2 | $ 1,160,000 | $ 580,000 | $ 479,000 |
| Paulding County Georgia | 2 | $ 52,000 | $ 26,000 | $ 21,000 |
| Knox County Illinois | 2 | $ 171,000 | $ 85,000 | $ 148,000 |
| Allen County Indiana | 2 | $ 278,000 | $ 139,000 | $ 51,000 |
| Brown County Indiana | 2 | $ 221,000 | $ 110,000 | $ 65,000 |
| Clark County Indiana | 2 | $ 261,000 | $ 130,000 | $ 79,000 |
| Jackson County Indiana | 2 | $ 182,000 | $ 91,000 | $ 62,000 |
| Kosciusko County Indiana | 2 | $ 198,000 | $ 99,000 | $ 44,000 |
| Perry County Indiana | 2 | $ 140,000 | $ 70,000 | $ 54,000 |
| Pike County Indiana | 2 | $ 280,000 | $ 140,000 | $ 74,000 |
| Posey County Indiana | 2 | $ 219,000 | $ 109,000 | $ 48,000 |
| Anderson County Kentucky | 2 | $ 376,000 | $ 188,000 | $ 73,000 |
| Jessamine County Kentucky | 2 | $ 260,000 | $ 130,000 | $ 59,000 |
| Mason County Kentucky | 2 | $ 250,000 | $ 125,000 | $ 45,000 |
| Montgomery County Kentucky | 2 | $ 213,000 | $ 106,000 | $ 123,000 |
| Owen County Kentucky | 2 | $ 230,000 | $ 115,000 | $ 147,000 |
| Warren County Kentucky | 2 | $ 216,000 | $ 108,000 | $ 28,000 |
| Cheboygan County Michigan | 2 | $ 405,000 | $ 202,000 | $ 30,000 |
| Sanilac County Michigan | 2 | $ 298,000 | $ 149,000 | $ 86,000 |
| St. Louis County Missouri | 2 | $ 88,000 | $ 44,000 | $ 62,000 |
| Clark County Nevada | 2 | $ 2,920,000 | $ 1,460,000 | $ 47,000 |
| Brunswick County North Carolina | 2 | $ 1,266,000 | $ 633,000 | $ 319,000 |
| Carteret County North Carolina | 2 | $ 550,000 | $ 275,000 | $ 175,000 |
| Mecklenburg County North Carolina | 2 | $ 364,000 | $ 182,000 | $ 100,000 |
| Wake County North Carolina | 2 | $ 164,000 | $ 82,000 | $ 80,000 |
| Hardin County Ohio | 2 | $ 264,000 | $ 132,000 | $ 110,000 |
| Mahoning County Ohio | 2 | $ 137,000 | $ 68,000 | $ 53,000 |
| Pike County Ohio | 2 | $ 184,000 | $ 92,000 | $ 85,000 |
| Georgetown County South Carolina | 2 | $ 400,000 | $ 200,000 | $ 108,000 |
| Baldwin County Alabama | 1 | $ 102,000 | $ 102,000 | $ 59,000 |
| Butler County Alabama | 1 | $ 148,000 | $ 148,000 | $ 73,000 |
| Cross County Arkansas | 1 | $ 85,000 | $ 85,000 | $ 120,000 |
| Orange County California | 1 | $ 397,000 | $ 397,000 | $ 0 |
| Denver County Colorado | 1 | $ 360,000 | $ 360,000 | $ 164,000 |
| New Castle County Delaware | 1 | $ 300,000 | $ 300,000 | $ 130,000 |
| Bay County Florida | 1 | $ 100,000 | $ 100,000 | $ 103,000 |
| Brevard County Florida | 1 | $ 166,000 | $ 166,000 | $ 67,000 |
| Charlotte County Florida | 1 | $ 118,000 | $ 118,000 | $ 113,000 |
| Collier County Florida | 1 | $ 285,000 | $ 285,000 | $ 142,000 |
| Hernando County Florida | 1 | $ 58,000 | $ 58,000 | $ 44,000 |
| Martin County Florida | 1 | $ 285,000 | $ 285,000 | $ 84,000 |
| Nassau County Florida | 1 | $ 138,000 | $ 138,000 | $ 148,000 |
| Orange County Florida | 1 | $ 100,000 | $ 100,000 | $ 137,000 |
| Pinellas County Florida | 1 | $ 292,000 | $ 292,000 | $ 135,000 |
| St. Lucie County Florida | 1 | $ 100,000 | $ 100,000 | $ 34,000 |
| Sumter County Florida | 1 | $ 203,000 | $ 203,000 | $ 56,000 |
| Walton County Florida | 1 | $ 383,000 | $ 383,000 | $ 213,000 |
| Baldwin County Georgia | 1 | $ 277,000 | $ 277,000 | $ 111,000 |
| Barrow County Georgia | 1 | $ 392,000 | $ 392,000 | $ 360,000 |
| Cobb County Georgia | 1 | $ 356,000 | $ 356,000 | $ 150,000 |
| Rabun County Georgia | 1 | $ 140,000 | $ 140,000 | $ 149,000 |
| Ada County Idaho | 1 | $ 138,000 | $ 138,000 | $ 96,000 |
| Delaware County Indiana | 1 | $ 62,000 | $ 62,000 | $ 19,000 |
| Gibson County Indiana | 1 | $ 91,000 | $ 91,000 | $ 68,000 |
| Grant County Indiana | 1 | $ 154,000 | $ 154,000 | $ 103,000 |
| Henry County Indiana | 1 | $ 81,000 | $ 81,000 | $ 36,000 |
| Jennings County Indiana | 1 | $ 157,000 | $ 157,000 | $ 56,000 |
| Lake County Indiana | 1 | $ 50,000 | $ 50,000 | $ 13,000 |
| LaPorte County Indiana | 1 | $ 128,000 | $ 128,000 | $ 24,000 |
| Marshall County Indiana | 1 | $ 150,000 | $ 150,000 | $ 60,000 |
| Ohio County Indiana | 1 | $ 88,000 | $ 88,000 | $ 83,000 |
| Parke County Indiana | 1 | $ 123,000 | $ 123,000 | $ 0 |
| Porter County Indiana | 1 | $ 78,000 | $ 78,000 | $ 70,000 |
| Ripley County Indiana | 1 | $ 79,000 | $ 79,000 | $ 25,000 |
| Rush County Indiana | 1 | $ 256,000 | $ 256,000 | $ 67,000 |
| Steuben County Indiana | 1 | $ 128,000 | $ 128,000 | $ 96,000 |
| Tipton County Indiana | 1 | $ 252,000 | $ 252,000 | $ 65,000 |
| Union County Indiana | 1 | $ 77,000 | $ 77,000 | $ 32,000 |
| Wayne County Indiana | 1 | $ 117,000 | $ 117,000 | $ 55,000 |
| Sedgwick County Kansas | 1 | $ 127,000 | $ 127,000 | $ 42,000 |
| Bourbon County Kentucky | 1 | $ 122,000 | $ 122,000 | $ 93,000 |
| Bracken County Kentucky | 1 | $ 52,000 | $ 52,000 | $ 32,000 |
| Gallatin County Kentucky | 1 | $ 281,000 | $ 281,000 | $ 60,000 |
| Harrison County Kentucky | 1 | $ 63,000 | $ 63,000 | $ 55,000 |
| Menifee County Kentucky | 1 | $ 52,000 | $ 52,000 | $ 127,000 |
| Pulaski County Kentucky | 1 | $ 200,000 | $ 200,000 | $ 261,000 |
| Russell County Kentucky | 1 | $ 104,000 | $ 104,000 | $ 48,000 |
| Trigg County Kentucky | 1 | $ 112,000 | $ 112,000 | $ 70,000 |
| Wayne County Kentucky | 1 | $ 104,000 | $ 104,000 | $ 334,000 |
| Webster County Kentucky | 1 | $ 135,000 | $ 135,000 | $ 47,000 |
| Wolfe County Kentucky | 1 | $ 108,000 | $ 108,000 | $ 69,000 |
| St. Mary's County Maryland | 1 | $ 250,000 | $ 250,000 | $ 117,000 |
| Dukes County Massachusetts | 1 | $ 270,000 | $ 270,000 | $ 153,000 |
| Suffolk County Massachusetts | 1 | $ 1,388,000 | $ 1,388,000 | $ 0 |
| Branch County Michigan | 1 | $ 115,000 | $ 115,000 | $ 91,000 |
| Livingston County Michigan | 1 | $ 136,000 | $ 136,000 | $ 111,000 |
| Mackinac County Michigan | 1 | $ 368,000 | $ 368,000 | $ 368,000 |
| Monroe County Michigan | 1 | $ 150,000 | $ 150,000 | $ 88,000 |
| Steele County Minnesota | 1 | $ 161,000 | $ 161,000 | $ 61,000 |
| Grenada County Mississippi | 1 | $ 350,000 | $ 350,000 | $ 0 |
| Rockingham County New Hampshire | 1 | $ 315,000 | $ 315,000 | $ 350,000 |
| Essex County New Jersey | 1 | $ 288,000 | $ 288,000 | $ 0 |
| Chatham County North Carolina | 1 | $ 43,000 | $ 43,000 | $ 84,000 |
| Davidson County North Carolina | 1 | $ 221,000 | $ 221,000 | $ 70,000 |
| Rutherford County North Carolina | 1 | $ 144,000 | $ 144,000 | $ 93,000 |
| Ashtabula County Ohio | 1 | $ 304,000 | $ 304,000 | $ 174,000 |
| Belmont County Ohio | 1 | $ 42,000 | $ 42,000 | $ 17,000 |
| Crawford County Ohio | 1 | $ 60,000 | $ 60,000 | $ 51,000 |
| Jefferson County Ohio | 1 | $ 55,000 | $ 55,000 | $ 28,000 |
| Lawrence County Ohio | 1 | $ 115,000 | $ 115,000 | $ 56,000 |
| Lorain County Ohio | 1 | $ 78,000 | $ 78,000 | $ 48,000 |
| Medina County Ohio | 1 | $ 145,000 | $ 145,000 | $ 85,000 |
| Morgan County Ohio | 1 | $ 200,000 | $ 200,000 | $ 469,000 |
| Portage County Ohio | 1 | $ 182,000 | $ 182,000 | $ 95,000 |
| Richland County Ohio | 1 | $ 30,000 | $ 30,000 | $ 0 |
| Scioto County Ohio | 1 | $ 105,000 | $ 105,000 | $ 63,000 |
| Seneca County Ohio | 1 | $ 165,000 | $ 165,000 | $ 122,000 |
| Tuscarawas County Ohio | 1 | $ 45,000 | $ 45,000 | $ 35,000 |
| Van Wert County Ohio | 1 | $ 45,000 | $ 45,000 | $ 0 |
| Allegheny County Pennsylvania | 1 | $ 109,000 | $ 109,000 | $ 67,000 |
| Butler County Pennsylvania | 1 | $ 154,000 | $ 154,000 | $ 52,000 |
| Delaware County Pennsylvania | 1 | $ 139,000 | $ 139,000 | $ 374,000 |
| Indiana County Pennsylvania | 1 | $ 138,000 | $ 138,000 | $ 15,000 |
| Philadelphia County Pennsylvania | 1 | $ 75,000 | $ 75,000 | $ 86,000 |
| Anderson County South Carolina | 1 | $ 360,000 | $ 360,000 | $ 126,000 |
| Beaufort County South Carolina | 1 | $ 536,000 | $ 536,000 | $ 351,000 |
| Horry County South Carolina | 1 | $ 79,000 | $ 79,000 | $ 77,000 |
| Pickens County South Carolina | 1 | $ 178,000 | $ 178,000 | $ 80,000 |
| Richland County South Carolina | 1 | $ 109,000 | $ 109,000 | $ 113,000 |
| Franklin County Tennessee | 1 | $ 96,000 | $ 96,000 | $ 160,000 |
| Hamblen County Tennessee | 1 | $ 92,000 | $ 92,000 | $ 102,000 |
| Jefferson County Tennessee | 1 | $ 428,000 | $ 428,000 | $ 27,000 |
| Sevier County Tennessee | 1 | $ 229,000 | $ 229,000 | $ 109,000 |
| Smith County Tennessee | 1 | $ 126,000 | $ 126,000 | $ 36,000 |
| Union County Tennessee | 1 | $ 400,000 | $ 400,000 | $ 868,000 |
| Ector County Texas | 1 | $ 44,000 | $ 44,000 | $ 77,000 |
| Utah County Utah | 1 | $ 170,000 | $ 170,000 | $ 38,000 |
| Caroline County Virginia | 1 | $ 168,000 | $ 168,000 | $ 96,000 |
| Henrico County Virginia | 1 | $ 94,000 | $ 94,000 | $ 130,000 |
| Virginia Beach County Virginia | 1 | $ 360,000 | $ 360,000 | $ 188,000 |
| Kanawha County West Virginia | 1 | $ 350,000 | $ 350,000 | $ 85,000 |
| Mercer County West Virginia | 1 | $ 130,000 | $ 130,000 | $ 56,000 |
| Wood County West Virginia | 1 | $ 70,000 | $ 70,000 | $ 62,000 |
| Price County Wisconsin | 1 | $ 230,000 | $ 230,000 | $ 240,000 |
Mortgage Loan Application Detail Totals for Union Savings Bank in 2005
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 | 4,724 | $663,877,000 | $398,250 | $2,698,000 | $118,100 | $1,632,000 |
| Home Purchase | 4,029 | $613,373,000 | $257,814 | $5,500,000 | $118,444 | $1,794,000 |
| Home Improvement | 157 | $22,623,000 | $115,666 | $1,600,000 | $70,000 | $1,177,000 |
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 | 7,986 | $1,151,008,000 | $291,321 | $5,500,000 | $130,035 | $1,794,000 |
| Black or African American | 439 | $53,156,000 | $188,400 | $547,000 | $81,200 | $283,000 |
| Asian | 186 | $30,635,000 | $207,200 | $690,000 | $125,600 | $690,000 |
| Not applicable | 162 | $43,267,000 | $316,125 | $3,632,000 | $0 | $0 |
| Not Provided | 58 | $11,127,000 | $109,600 | $3,060,000 | $51,800 | $151,000 |
| Hispanic | 58 | $8,026,000 | $128,250 | $565,000 | $53,000 | $358,000 |
| American Indian or Alaskan Native | 11 | $1,078,000 | $104,000 | $191,000 | $58,500 | $119,000 |
| Native Hawaiian or Other Pacific Islander | 10 | $1,576,000 | $143,000 | $360,000 | $83,500 | $303,000 |
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) | 7,805 | $1,170,685,000 | $285,875 | $5,500,000 | $114,750 | $1,794,000 |
| FHA-insured (Federal Housing Administration) | 980 | $110,390,000 | $104,500 | $345,000 | $49,166 | $452,000 |
| VA-guaranteed (Veterans Administration) | 125 | $18,798,000 | $146,750 | $352,000 | $79,250 | $568,000 |
| 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 | 6,649 | $967,131,000 | $279,000 | $3,632,000 | $120,160 | $1,794,000 |
| Application Denied By Financial Institution | 1,542 | $222,384,000 | $218,823 | $5,500,000 | $90,176 | $1,560,000 |
| Application Withdrawn By Applicant | 458 | $69,080,000 | $228,875 | $1,620,000 | $137,625 | $1,020,000 |
| Application Approved But Not Accepted | 228 | $36,743,000 | $655,800 | $2,698,000 | $272,000 | $840,000 |
| File Closed For Incompleteness | 33 | $4,535,000 | $108,500 | $370,000 | $55,000 | $186,000 |
| 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 | 520 | $66,187,000 | $145,777 | $1,112,000 | $66,888 | $312,000 |
| Debt-To-Income Ratio | 345 | $50,557,000 | $196,125 | $1,200,000 | $72,875 | $1,000,000 |
| Credit Application Incomplete | 321 | $55,677,000 | $832,375 | $5,500,000 | $251,000 | $1,560,000 |
| Other | 156 | $24,051,000 | $128,125 | $3,060,000 | $78,125 | $396,000 |
| Collateral | 152 | $19,471,000 | $342,750 | $1,000,000 | $245,000 | $743,000 |
| Unverifiable Information | 24 | $3,599,000 | $137,666 | $359,000 | $66,666 | $228,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 12 | $1,718,000 | $143,000 | $332,000 | $80,000 | $167,000 |
| Employment History | 11 | $1,046,000 | $98,666 | $193,000 | $87,000 | $137,000 |
| Mortgage Insurance Denied | 1 | $78,000 | $78,000 | $78,000 | $70,000 | $70,000 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Union Savings Bank's 2005 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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