Union Savings Bank
HMDA Loan Application Totals
and Mortgage Lending Details
for 2008
Union Savings Bank 2008 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 | 10,954 |
| Total Mortgage Loan Application Amount | $1,713,405,000 |
| Average Mortgage Loan Application Amount | $179,333 |
| Highest Mortgage Loan Application Amount | $2,307,000 |
| Average Applicant Income | $98,333 |
| Highest Applicant Income | $1,234,000 |
Explore comprehensive HMDA mortgage statistics and lending trends for 2008 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 2008 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 2008.
| 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 | $ 247,792,000 | $ 162,000 | $ 100,000 |
| Montgomery County Ohio | 1,507 | $ 195,050,000 | $ 129,000 | $ 81,000 |
| Franklin County Ohio | 1,314 | $ 180,560,000 | $ 137,000 | $ 77,000 |
| Butler County Ohio | 1,145 | $ 162,949,000 | $ 142,000 | $ 74,000 |
| Warren County Ohio | 874 | $ 157,746,000 | $ 180,000 | $ 99,000 |
| Hamilton County Indiana | 621 | $ 128,785,000 | $ 207,000 | $ 126,000 |
| Marion County Indiana | 586 | $ 84,624,000 | $ 144,000 | $ 87,000 |
| Greene County Ohio | 387 | $ 60,503,000 | $ 156,000 | $ 95,000 |
| Clermont County Ohio | 371 | $ 61,220,000 | $ 165,000 | $ 89,000 |
| Delaware County Ohio | 253 | $ 55,398,000 | $ 218,000 | $ 108,000 |
| Fairfield County Ohio | 200 | $ 27,964,000 | $ 139,000 | $ 76,000 |
| Miami County Ohio | 168 | $ 24,423,000 | $ 145,000 | $ 80,000 |
| Bartholomew County Indiana | 150 | $ 24,092,000 | $ 160,000 | $ 84,000 |
| Hendricks County Indiana | 138 | $ 22,189,000 | $ 160,000 | $ 82,000 |
| Licking County Ohio | 138 | $ 21,374,000 | $ 154,000 | $ 79,000 |
| Johnson County Indiana | 129 | $ 22,380,000 | $ 173,000 | $ 87,000 |
| Kenton County Kentucky | 101 | $ 14,943,000 | $ 147,000 | $ 89,000 |
| Boone County Indiana | 84 | $ 19,041,000 | $ 226,000 | $ 113,000 |
| Clark County Ohio | 79 | $ 9,604,000 | $ 121,000 | $ 70,000 |
| Campbell County Kentucky | 57 | $ 9,738,000 | $ 170,000 | $ 84,000 |
| Boone County Kentucky | 50 | $ 8,469,000 | $ 169,000 | $ 78,000 |
| Hancock County Indiana | 46 | $ 7,359,000 | $ 159,000 | $ 105,000 |
| Preble County Ohio | 46 | $ 5,460,000 | $ 118,000 | $ 70,000 |
| Union County Ohio | 42 | $ 8,486,000 | $ 202,000 | $ 95,000 |
| Darke County Ohio | 40 | $ 5,073,000 | $ 126,000 | $ 69,000 |
| Dearborn County Indiana | 39 | $ 6,527,000 | $ 167,000 | $ 82,000 |
| Summit County Ohio | 34 | $ 5,341,000 | $ 157,000 | $ 77,000 |
| Champaign County Ohio | 33 | $ 3,863,000 | $ 117,000 | $ 68,000 |
| Monroe County Indiana | 31 | $ 6,196,000 | $ 199,000 | $ 88,000 |
| Morgan County Indiana | 29 | $ 5,110,000 | $ 176,000 | $ 82,000 |
| Madison County Ohio | 29 | $ 5,700,000 | $ 196,000 | $ 103,000 |
| Shelby County Indiana | 26 | $ 3,522,000 | $ 135,000 | $ 84,000 |
| Clinton County Ohio | 25 | $ 3,489,000 | $ 139,000 | $ 69,000 |
| Hocking County Ohio | 25 | $ 3,363,000 | $ 134,000 | $ 70,000 |
| Shelby County Ohio | 25 | $ 3,593,000 | $ 143,000 | $ 86,000 |
| Cuyahoga County Ohio | 24 | $ 3,984,000 | $ 166,000 | $ 94,000 |
| Perry County Ohio | 23 | $ 3,388,000 | $ 147,000 | $ 70,000 |
| Pickaway County Ohio | 18 | $ 2,740,000 | $ 152,000 | $ 84,000 |
| Brown County Ohio | 17 | $ 1,775,000 | $ 104,000 | $ 62,000 |
| Knox County Ohio | 17 | $ 2,309,000 | $ 135,000 | $ 93,000 |
| Decatur County Indiana | 16 | $ 1,979,000 | $ 123,000 | $ 82,000 |
| Madison County Indiana | 15 | $ 2,506,000 | $ 167,000 | $ 123,000 |
| Ripley County Indiana | 15 | $ 2,061,000 | $ 137,000 | $ 76,000 |
| Brown County Indiana | 13 | $ 2,438,000 | $ 187,000 | $ 84,000 |
| Tippecanoe County Indiana | 12 | $ 1,657,000 | $ 138,000 | $ 144,000 |
| Morrow County Ohio | 12 | $ 1,477,000 | $ 123,000 | $ 50,000 |
| Franklin County Indiana | 11 | $ 2,115,000 | $ 192,000 | $ 109,000 |
| Howard County Indiana | 11 | $ 1,753,000 | $ 159,000 | $ 75,000 |
| Vanderburgh County Indiana | 11 | $ 1,357,000 | $ 123,000 | $ 65,000 |
| Auglaize County Ohio | 11 | $ 1,356,000 | $ 123,000 | $ 56,000 |
| Jefferson County Kentucky | 10 | $ 2,324,000 | $ 232,000 | $ 166,000 |
| Jackson County Indiana | 9 | $ 1,049,000 | $ 116,000 | $ 105,000 |
| Tipton County Indiana | 9 | $ 1,068,000 | $ 118,000 | $ 58,000 |
| Muskingum County Ohio | 9 | $ 923,000 | $ 102,000 | $ 54,000 |
| Fayette County Ohio | 8 | $ 875,000 | $ 109,000 | $ 52,000 |
| Stark County Ohio | 8 | $ 1,104,000 | $ 138,000 | $ 65,000 |
| Guernsey County Ohio | 7 | $ 536,000 | $ 76,000 | $ 47,000 |
| Highland County Ohio | 7 | $ 900,000 | $ 128,000 | $ 73,000 |
| Portage County Ohio | 7 | $ 1,261,000 | $ 180,000 | $ 78,000 |
| Richland County Ohio | 7 | $ 536,000 | $ 76,000 | $ 58,000 |
| Ross County Ohio | 7 | $ 690,000 | $ 98,000 | $ 66,000 |
| Orange County California | 6 | $ 2,430,000 | $ 405,000 | $ 355,000 |
| Sarasota County Florida | 6 | $ 1,870,000 | $ 311,000 | $ 392,000 |
| Jennings County Indiana | 6 | $ 831,000 | $ 138,000 | $ 85,000 |
| Montgomery County Indiana | 6 | $ 807,000 | $ 134,000 | $ 98,000 |
| Fayette County Kentucky | 6 | $ 907,000 | $ 151,000 | $ 67,000 |
| Cook County Illinois | 5 | $ 1,507,000 | $ 301,000 | $ 248,000 |
| Allen County Indiana | 5 | $ 948,000 | $ 189,000 | $ 166,000 |
| Warrick County Indiana | 5 | $ 680,000 | $ 136,000 | $ 79,000 |
| Pulaski County Kentucky | 5 | $ 760,000 | $ 152,000 | $ 80,000 |
| Lake County Ohio | 5 | $ 565,000 | $ 113,000 | $ 87,000 |
| Logan County Ohio | 5 | $ 818,000 | $ 163,000 | $ 174,000 |
| Lucas County Ohio | 5 | $ 630,000 | $ 126,000 | $ 95,000 |
| Mahoning County Ohio | 5 | $ 632,000 | $ 126,000 | $ 93,000 |
| Beaufort County South Carolina | 5 | $ 1,290,000 | $ 258,000 | $ 143,000 |
| Charlotte County Florida | 4 | $ 1,070,000 | $ 267,000 | $ 212,000 |
| Allen County Ohio | 4 | $ 206,000 | $ 51,000 | $ 82,000 |
| Athens County Ohio | 4 | $ 333,000 | $ 83,000 | $ 67,000 |
| Maricopa County Arizona | 3 | $ 782,000 | $ 260,000 | $ 103,000 |
| Palm Beach County Florida | 3 | $ 871,000 | $ 290,000 | $ 183,000 |
| Greene County Indiana | 3 | $ 399,000 | $ 133,000 | $ 63,000 |
| Henry County Indiana | 3 | $ 346,000 | $ 115,000 | $ 53,000 |
| Owen County Indiana | 3 | $ 637,000 | $ 212,000 | $ 240,000 |
| Putnam County Indiana | 3 | $ 546,000 | $ 182,000 | $ 238,000 |
| Grant County Kentucky | 3 | $ 364,000 | $ 121,000 | $ 50,000 |
| Oakland County Michigan | 3 | $ 756,000 | $ 252,000 | $ 194,000 |
| Clark County Nevada | 3 | $ 560,000 | $ 186,000 | $ 93,000 |
| Marion County Ohio | 3 | $ 155,000 | $ 51,000 | $ 70,000 |
| Medina County Ohio | 3 | $ 917,000 | $ 305,000 | $ 126,000 |
| Mercer County Ohio | 3 | $ 336,000 | $ 112,000 | $ 68,000 |
| Scioto County Ohio | 3 | $ 223,000 | $ 74,000 | $ 78,000 |
| Van Wert County Ohio | 3 | $ 226,000 | $ 75,000 | $ 47,000 |
| Riverside County California | 2 | $ 986,000 | $ 493,000 | $ 1,010,000 |
| Boulder County Colorado | 2 | $ 459,000 | $ 229,000 | $ 159,000 |
| Citrus County Florida | 2 | $ 890,000 | $ 445,000 | $ 113,000 |
| Lee County Florida | 2 | $ 485,000 | $ 242,000 | $ 309,000 |
| DuPage County Illinois | 2 | $ 806,000 | $ 403,000 | $ 215,000 |
| Kane County Illinois | 2 | $ 634,000 | $ 317,000 | $ 178,000 |
| Clinton County Indiana | 2 | $ 191,000 | $ 95,000 | $ 62,000 |
| Lake County Indiana | 2 | $ 171,000 | $ 85,000 | $ 46,000 |
| St. Joseph County Indiana | 2 | $ 256,000 | $ 128,000 | $ 64,000 |
| Steuben County Indiana | 2 | $ 581,000 | $ 290,000 | $ 200,000 |
| Warren County Indiana | 2 | $ 298,000 | $ 149,000 | $ 86,000 |
| Washington County Indiana | 2 | $ 276,000 | $ 138,000 | $ 94,000 |
| Wells County Indiana | 2 | $ 301,000 | $ 150,000 | $ 97,000 |
| Russell County Kentucky | 2 | $ 358,000 | $ 179,000 | $ 211,000 |
| Scott County Kentucky | 2 | $ 421,000 | $ 210,000 | $ 134,000 |
| Woodford County Kentucky | 2 | $ 165,000 | $ 82,000 | $ 62,000 |
| Bristol County Massachusetts | 2 | $ 385,000 | $ 192,000 | $ 103,000 |
| Charlevoix County Michigan | 2 | $ 750,000 | $ 375,000 | $ 391,000 |
| Washtenaw County Michigan | 2 | $ 666,000 | $ 333,000 | $ 280,000 |
| St. Louis County Missouri | 2 | $ 492,000 | $ 246,000 | $ 142,000 |
| Camden County New Jersey | 2 | $ 251,000 | $ 125,000 | $ 82,000 |
| Buncombe County North Carolina | 2 | $ 482,000 | $ 241,000 | $ 100,000 |
| Mecklenburg County North Carolina | 2 | $ 238,000 | $ 119,000 | $ 323,000 |
| Moore County North Carolina | 2 | $ 606,000 | $ 303,000 | $ 111,000 |
| Adams County Ohio | 2 | $ 98,000 | $ 49,000 | $ 19,000 |
| Hancock County Ohio | 2 | $ 257,000 | $ 128,000 | $ 49,000 |
| Ottawa County Ohio | 2 | $ 302,000 | $ 151,000 | $ 92,000 |
| Pike County Ohio | 2 | $ 140,000 | $ 70,000 | $ 61,000 |
| Trumbull County Ohio | 2 | $ 135,000 | $ 67,000 | $ 88,000 |
| Wood County Ohio | 2 | $ 506,000 | $ 253,000 | $ 169,000 |
| Colbert County Alabama | 1 | $ 320,000 | $ 320,000 | $ 70,000 |
| Saline County Arkansas | 1 | $ 155,000 | $ 155,000 | $ 72,000 |
| Los Angeles County California | 1 | $ 487,000 | $ 487,000 | $ 242,000 |
| San Bernardino County California | 1 | $ 634,000 | $ 634,000 | $ 236,000 |
| El Paso County Colorado | 1 | $ 222,000 | $ 222,000 | $ 57,000 |
| Jefferson County Colorado | 1 | $ 155,000 | $ 155,000 | $ 206,000 |
| Fairfield County Connecticut | 1 | $ 1,501,000 | $ 1,501,000 | $ 451,000 |
| District of Columbia County District Of Columbia | 1 | $ 417,000 | $ 417,000 | $ 278,000 |
| Brevard County Florida | 1 | $ 140,000 | $ 140,000 | $ 159,000 |
| Collier County Florida | 1 | $ 120,000 | $ 120,000 | $ 42,000 |
| Escambia County Florida | 1 | $ 54,000 | $ 54,000 | $ 161,000 |
| Indian River County Florida | 1 | $ 182,000 | $ 182,000 | $ 155,000 |
| Manatee County Florida | 1 | $ 414,000 | $ 414,000 | $ 168,000 |
| Miami-Dade County Florida | 1 | $ 122,000 | $ 122,000 | $ 0 |
| Monroe County Florida | 1 | $ 803,000 | $ 803,000 | $ 0 |
| Okaloosa County Florida | 1 | $ 417,000 | $ 417,000 | $ 160,000 |
| Pinellas County Florida | 1 | $ 136,000 | $ 136,000 | $ 106,000 |
| St. Lucie County Florida | 1 | $ 195,000 | $ 195,000 | $ 131,000 |
| Volusia County Florida | 1 | $ 150,000 | $ 150,000 | $ 62,000 |
| Gwinnett County Georgia | 1 | $ 266,000 | $ 266,000 | $ 185,000 |
| Meriwether County Georgia | 1 | $ 102,000 | $ 102,000 | $ 38,000 |
| Boone County Illinois | 1 | $ 158,000 | $ 158,000 | $ 64,000 |
| McHenry County Illinois | 1 | $ 265,000 | $ 265,000 | $ 108,000 |
| Will County Illinois | 1 | $ 177,000 | $ 177,000 | $ 129,000 |
| Adams County Indiana | 1 | $ 135,000 | $ 135,000 | $ 31,000 |
| Blackford County Indiana | 1 | $ 56,000 | $ 56,000 | $ 55,000 |
| Carroll County Indiana | 1 | $ 93,000 | $ 93,000 | $ 44,000 |
| DeKalb County Indiana | 1 | $ 106,000 | $ 106,000 | $ 32,000 |
| Elkhart County Indiana | 1 | $ 174,000 | $ 174,000 | $ 104,000 |
| Grant County Indiana | 1 | $ 54,000 | $ 54,000 | $ 104,000 |
| Harrison County Indiana | 1 | $ 226,000 | $ 226,000 | $ 90,000 |
| Jefferson County Indiana | 1 | $ 54,000 | $ 54,000 | $ 97,000 |
| Kosciusko County Indiana | 1 | $ 159,000 | $ 159,000 | $ 88,000 |
| Lawrence County Indiana | 1 | $ 98,000 | $ 98,000 | $ 29,000 |
| Marshall County Indiana | 1 | $ 101,000 | $ 101,000 | $ 101,000 |
| Martin County Indiana | 1 | $ 193,000 | $ 193,000 | $ 171,000 |
| Ohio County Indiana | 1 | $ 93,000 | $ 93,000 | $ 45,000 |
| Orange County Indiana | 1 | $ 70,000 | $ 70,000 | $ 22,000 |
| Parke County Indiana | 1 | $ 75,000 | $ 75,000 | $ 98,000 |
| Rush County Indiana | 1 | $ 218,000 | $ 218,000 | $ 98,000 |
| Scott County Indiana | 1 | $ 313,000 | $ 313,000 | $ 150,000 |
| Union County Indiana | 1 | $ 95,000 | $ 95,000 | $ 59,000 |
| Wabash County Indiana | 1 | $ 56,000 | $ 56,000 | $ 67,000 |
| Wayne County Indiana | 1 | $ 15,000 | $ 15,000 | $ 60,000 |
| White County Indiana | 1 | $ 85,000 | $ 85,000 | $ 42,000 |
| Scott County Iowa | 1 | $ 160,000 | $ 160,000 | $ 52,000 |
| Bath County Kentucky | 1 | $ 71,000 | $ 71,000 | $ 71,000 |
| Bracken County Kentucky | 1 | $ 234,000 | $ 234,000 | $ 114,000 |
| Bullitt County Kentucky | 1 | $ 174,000 | $ 174,000 | $ 78,000 |
| Hardin County Kentucky | 1 | $ 108,000 | $ 108,000 | $ 46,000 |
| Harrison County Kentucky | 1 | $ 104,000 | $ 104,000 | $ 46,000 |
| Henderson County Kentucky | 1 | $ 72,000 | $ 72,000 | $ 48,000 |
| Jessamine County Kentucky | 1 | $ 417,000 | $ 417,000 | $ 273,000 |
| Lewis County Kentucky | 1 | $ 76,000 | $ 76,000 | $ 0 |
| Mercer County Kentucky | 1 | $ 215,000 | $ 215,000 | $ 87,000 |
| Owen County Kentucky | 1 | $ 100,000 | $ 100,000 | $ 80,000 |
| Pendleton County Kentucky | 1 | $ 252,000 | $ 252,000 | $ 75,000 |
| Rowan County Kentucky | 1 | $ 94,000 | $ 94,000 | $ 74,000 |
| Warren County Kentucky | 1 | $ 150,000 | $ 150,000 | $ 76,000 |
| Baltimore County Maryland | 1 | $ 255,000 | $ 255,000 | $ 91,000 |
| Alpena County Michigan | 1 | $ 80,000 | $ 80,000 | $ 0 |
| Antrim County Michigan | 1 | $ 400,000 | $ 400,000 | $ 360,000 |
| Kent County Michigan | 1 | $ 127,000 | $ 127,000 | $ 40,000 |
| Manistee County Michigan | 1 | $ 75,000 | $ 75,000 | $ 28,000 |
| Mason County Michigan | 1 | $ 392,000 | $ 392,000 | $ 647,000 |
| Muskegon County Michigan | 1 | $ 236,000 | $ 236,000 | $ 478,000 |
| Hennepin County Minnesota | 1 | $ 75,000 | $ 75,000 | $ 31,000 |
| Clay County Missouri | 1 | $ 51,000 | $ 51,000 | $ 28,000 |
| Atlantic County New Jersey | 1 | $ 417,000 | $ 417,000 | $ 312,000 |
| Essex County New Jersey | 1 | $ 295,000 | $ 295,000 | $ 93,000 |
| Bernalillo County New Mexico | 1 | $ 285,000 | $ 285,000 | $ 238,000 |
| Onondaga County New York | 1 | $ 105,000 | $ 105,000 | $ 95,000 |
| Suffolk County New York | 1 | $ 487,000 | $ 487,000 | $ 102,000 |
| Westchester County New York | 1 | $ 487,000 | $ 487,000 | $ 210,000 |
| Brunswick County North Carolina | 1 | $ 111,000 | $ 111,000 | $ 229,000 |
| Durham County North Carolina | 1 | $ 203,000 | $ 203,000 | $ 125,000 |
| Forsyth County North Carolina | 1 | $ 115,000 | $ 115,000 | $ 106,000 |
| Belmont County Ohio | 1 | $ 50,000 | $ 50,000 | $ 30,000 |
| Erie County Ohio | 1 | $ 71,000 | $ 71,000 | $ 51,000 |
| Gallia County Ohio | 1 | $ 66,000 | $ 66,000 | $ 20,000 |
| Geauga County Ohio | 1 | $ 328,000 | $ 328,000 | $ 313,000 |
| Hardin County Ohio | 1 | $ 73,000 | $ 73,000 | $ 122,000 |
| Jackson County Ohio | 1 | $ 136,000 | $ 136,000 | $ 62,000 |
| Jefferson County Ohio | 1 | $ 122,000 | $ 122,000 | $ 73,000 |
| Lawrence County Ohio | 1 | $ 78,000 | $ 78,000 | $ 26,000 |
| Lorain County Ohio | 1 | $ 76,000 | $ 76,000 | $ 46,000 |
| Seneca County Ohio | 1 | $ 230,000 | $ 230,000 | $ 105,000 |
| Tuscarawas County Ohio | 1 | $ 62,000 | $ 62,000 | $ 31,000 |
| Vinton County Ohio | 1 | $ 108,000 | $ 108,000 | $ 57,000 |
| Wyandot County Ohio | 1 | $ 59,000 | $ 59,000 | $ 117,000 |
| Carter County Oklahoma | 1 | $ 280,000 | $ 280,000 | $ 102,000 |
| Adams County Pennsylvania | 1 | $ 188,000 | $ 188,000 | $ 81,000 |
| Blair County Pennsylvania | 1 | $ 60,000 | $ 60,000 | $ 38,000 |
| Philadelphia County Pennsylvania | 1 | $ 100,000 | $ 100,000 | $ 26,000 |
| Bristol County Rhode Island | 1 | $ 290,000 | $ 290,000 | $ 105,000 |
| Dorchester County South Carolina | 1 | $ 173,000 | $ 173,000 | $ 116,000 |
| Pickens County South Carolina | 1 | $ 175,000 | $ 175,000 | $ 75,000 |
| Campbell County Tennessee | 1 | $ 297,000 | $ 297,000 | $ 265,000 |
| Montgomery County Tennessee | 1 | $ 190,000 | $ 190,000 | $ 55,000 |
| Williamson County Tennessee | 1 | $ 75,000 | $ 75,000 | $ 30,000 |
| Summit County Utah | 1 | $ 262,000 | $ 262,000 | $ 40,000 |
| Chittenden County Vermont | 1 | $ 230,000 | $ 230,000 | $ 46,000 |
| Dinwiddie County Virginia | 1 | $ 268,000 | $ 268,000 | $ 94,000 |
| Norfolk County Virginia | 1 | $ 234,000 | $ 234,000 | $ 109,000 |
| Virginia Beach County Virginia | 1 | $ 184,000 | $ 184,000 | $ 44,000 |
| York County Virginia | 1 | $ 221,000 | $ 221,000 | $ 100,000 |
| Dane County Wisconsin | 1 | $ 160,000 | $ 160,000 | $ 59,000 |
Mortgage Loan Application Detail Totals for Union Savings Bank in 2008
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 | 7,298 | $1,165,175,000 | $159,000 | $2,307,000 | $93,000 | $1,234,000 |
| Home Purchase | 3,638 | $544,080,000 | $149,000 | $2,271,000 | $83,000 | $1,169,000 |
| Home Improvement | 18 | $4,150,000 | $230,000 | $1,600,000 | $119,000 | $408,000 |
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 | 10,079 | $1,574,902,000 | $156,000 | $2,307,000 | $91,000 | $1,234,000 |
| Black or African American | 470 | $63,442,000 | $134,000 | $588,000 | $69,000 | $424,000 |
| Asian | 258 | $49,082,000 | $190,000 | $2,300,000 | $103,000 | $600,000 |
| Hispanic | 85 | $12,560,000 | $147,000 | $678,000 | $87,000 | $428,000 |
| Not applicable | 26 | $7,219,000 | $277,000 | $1,000,000 | $0 | $0 |
| Native Hawaiian or Other Pacific Islander | 16 | $2,947,000 | $184,000 | $417,000 | $143,000 | $257,000 |
| American Indian or Alaskan Native | 11 | $1,690,000 | $153,000 | $417,000 | $62,000 | $162,000 |
| Not Provided | 9 | $1,563,000 | $173,000 | $356,000 | $91,000 | $169,000 |
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) | 9,086 | $1,474,693,000 | $162,000 | $2,307,000 | $97,000 | $1,234,000 |
| FHA-insured (Federal Housing Administration) | 1,745 | $219,386,000 | $125,000 | $346,000 | $54,000 | $381,000 |
| VA-guaranteed (Veterans Administration) | 122 | $19,217,000 | $157,000 | $431,000 | $65,000 | $211,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 1 | $109,000 | $109,000 | $109,000 | $29,000 | $29,000 |
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 | 8,390 | $1,308,418,000 | $155,000 | $2,271,000 | $93,000 | $1,234,000 |
| Application Denied By Financial Institution | 1,595 | $253,404,000 | $158,000 | $2,307,000 | $75,000 | $600,000 |
| Application Withdrawn By Applicant | 670 | $105,653,000 | $157,000 | $1,273,000 | $85,000 | $1,119,000 |
| Application Approved But Not Accepted | 299 | $45,930,000 | $153,000 | $1,145,000 | $95,000 | $874,000 |
| 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 |
|---|---|---|---|---|---|---|
| Debt-To-Income Ratio | 433 | $73,039,000 | $168,000 | $2,307,000 | $74,000 | $377,000 |
| Credit History | 390 | $50,657,000 | $129,000 | $965,000 | $58,000 | $331,000 |
| Credit Application Incomplete | 326 | $54,271,000 | $166,000 | $2,300,000 | $74,000 | $600,000 |
| Collateral | 255 | $41,187,000 | $161,000 | $599,000 | $90,000 | $414,000 |
| Other | 138 | $24,367,000 | $176,000 | $1,000,000 | $105,000 | $568,000 |
| Unverifiable Information | 36 | $5,915,000 | $164,000 | $489,000 | $69,000 | $200,000 |
| Employment History | 9 | $1,444,000 | $160,000 | $417,000 | $81,000 | $243,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 8 | $2,524,000 | $315,000 | $1,697,000 | $69,000 | $234,000 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Union Savings Bank's 2008 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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