Union Savings Bank
HMDA Loan Application Totals
and Mortgage Lending Details
for 2009
Union Savings Bank 2009 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 | 33,370 |
| Total Mortgage Loan Application Amount | $5,285,048,000 |
| Average Mortgage Loan Application Amount | $226,666 |
| Highest Mortgage Loan Application Amount | $3,050,000 |
| Average Applicant Income | $119,000 |
| Highest Applicant Income | $6,889,000 |
Explore comprehensive HMDA mortgage statistics and lending trends for 2009 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 2009 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 2009.
| 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 | 5,109 | $ 860,879,000 | $ 168,000 | $ 115,000 |
| Franklin County Ohio | 3,643 | $ 537,252,000 | $ 147,000 | $ 93,000 |
| Montgomery County Ohio | 3,484 | $ 439,648,000 | $ 126,000 | $ 81,000 |
| Butler County Ohio | 3,435 | $ 506,011,000 | $ 147,000 | $ 92,000 |
| Warren County Ohio | 3,061 | $ 545,667,000 | $ 178,000 | $ 107,000 |
| Hamilton County Indiana | 2,008 | $ 385,517,000 | $ 191,000 | $ 116,000 |
| Marion County Indiana | 1,960 | $ 286,903,000 | $ 146,000 | $ 90,000 |
| Clermont County Ohio | 1,434 | $ 233,901,000 | $ 163,000 | $ 98,000 |
| Delaware County Ohio | 1,163 | $ 233,704,000 | $ 200,000 | $ 118,000 |
| Greene County Ohio | 1,148 | $ 180,931,000 | $ 157,000 | $ 98,000 |
| Miami County Ohio | 621 | $ 82,536,000 | $ 132,000 | $ 80,000 |
| Johnson County Indiana | 599 | $ 102,446,000 | $ 171,000 | $ 97,000 |
| Fairfield County Ohio | 535 | $ 74,487,000 | $ 139,000 | $ 78,000 |
| Hendricks County Indiana | 441 | $ 69,143,000 | $ 156,000 | $ 89,000 |
| Bartholomew County Indiana | 433 | $ 68,357,000 | $ 157,000 | $ 94,000 |
| Kenton County Kentucky | 348 | $ 48,623,000 | $ 139,000 | $ 95,000 |
| Licking County Ohio | 294 | $ 44,781,000 | $ 152,000 | $ 89,000 |
| Boone County Kentucky | 283 | $ 46,654,000 | $ 164,000 | $ 101,000 |
| Boone County Indiana | 268 | $ 60,085,000 | $ 224,000 | $ 131,000 |
| Campbell County Kentucky | 268 | $ 41,425,000 | $ 154,000 | $ 90,000 |
| Union County Ohio | 239 | $ 50,903,000 | $ 212,000 | $ 111,000 |
| Hancock County Indiana | 190 | $ 30,714,000 | $ 161,000 | $ 97,000 |
| Clark County Ohio | 166 | $ 20,651,000 | $ 124,000 | $ 76,000 |
| Dearborn County Indiana | 119 | $ 16,854,000 | $ 141,000 | $ 76,000 |
| Clinton County Ohio | 116 | $ 16,006,000 | $ 137,000 | $ 75,000 |
| Morgan County Indiana | 101 | $ 15,267,000 | $ 151,000 | $ 85,000 |
| Preble County Ohio | 90 | $ 10,872,000 | $ 120,000 | $ 74,000 |
| Madison County Ohio | 82 | $ 11,926,000 | $ 145,000 | $ 86,000 |
| Darke County Ohio | 80 | $ 8,971,000 | $ 112,000 | $ 73,000 |
| Shelby County Ohio | 78 | $ 10,619,000 | $ 136,000 | $ 84,000 |
| Brown County Ohio | 72 | $ 9,324,000 | $ 129,000 | $ 102,000 |
| Monroe County Indiana | 68 | $ 9,185,000 | $ 135,000 | $ 89,000 |
| Pickaway County Ohio | 63 | $ 8,837,000 | $ 140,000 | $ 80,000 |
| Champaign County Ohio | 57 | $ 7,711,000 | $ 135,000 | $ 70,000 |
| Brown County Indiana | 53 | $ 9,948,000 | $ 187,000 | $ 125,000 |
| Madison County Indiana | 52 | $ 6,463,000 | $ 124,000 | $ 79,000 |
| Perry County Ohio | 48 | $ 5,743,000 | $ 119,000 | $ 64,000 |
| Knox County Ohio | 45 | $ 6,000,000 | $ 133,000 | $ 73,000 |
| Fayette County Kentucky | 43 | $ 6,619,000 | $ 153,000 | $ 98,000 |
| Hocking County Ohio | 39 | $ 4,662,000 | $ 119,000 | $ 89,000 |
| Logan County Ohio | 39 | $ 6,033,000 | $ 154,000 | $ 107,000 |
| Shelby County Indiana | 34 | $ 5,418,000 | $ 159,000 | $ 82,000 |
| Morrow County Ohio | 30 | $ 3,547,000 | $ 118,000 | $ 67,000 |
| Franklin County Indiana | 27 | $ 4,629,000 | $ 171,000 | $ 111,000 |
| Highland County Ohio | 27 | $ 3,247,000 | $ 120,000 | $ 92,000 |
| Howard County Indiana | 24 | $ 3,161,000 | $ 131,000 | $ 78,000 |
| Jackson County Indiana | 22 | $ 3,000,000 | $ 136,000 | $ 66,000 |
| Tippecanoe County Indiana | 22 | $ 3,190,000 | $ 145,000 | $ 72,000 |
| Summit County Ohio | 21 | $ 3,772,000 | $ 179,000 | $ 91,000 |
| Auglaize County Ohio | 20 | $ 2,517,000 | $ 125,000 | $ 93,000 |
| Putnam County Indiana | 19 | $ 2,931,000 | $ 154,000 | $ 107,000 |
| Grant County Kentucky | 19 | $ 2,842,000 | $ 149,000 | $ 72,000 |
| Allen County Indiana | 18 | $ 2,005,000 | $ 111,000 | $ 67,000 |
| St. Joseph County Indiana | 18 | $ 2,064,000 | $ 114,000 | $ 76,000 |
| Tipton County Indiana | 18 | $ 2,628,000 | $ 146,000 | $ 69,000 |
| Richland County Ohio | 18 | $ 1,697,000 | $ 94,000 | $ 60,000 |
| Vanderburgh County Indiana | 17 | $ 1,882,000 | $ 110,000 | $ 65,000 |
| Jefferson County Kentucky | 17 | $ 2,472,000 | $ 145,000 | $ 82,000 |
| Athens County Ohio | 17 | $ 2,376,000 | $ 139,000 | $ 79,000 |
| Marion County Ohio | 17 | $ 2,086,000 | $ 122,000 | $ 100,000 |
| Montgomery County Indiana | 16 | $ 2,426,000 | $ 151,000 | $ 91,000 |
| Delaware County Indiana | 14 | $ 1,980,000 | $ 141,000 | $ 77,000 |
| Muskingum County Ohio | 14 | $ 2,089,000 | $ 149,000 | $ 77,000 |
| Orange County California | 13 | $ 7,040,000 | $ 541,000 | $ 365,000 |
| Adams County Ohio | 13 | $ 1,014,000 | $ 78,000 | $ 53,000 |
| Ripley County Indiana | 12 | $ 1,740,000 | $ 145,000 | $ 66,000 |
| Pendleton County Kentucky | 12 | $ 2,021,000 | $ 168,000 | $ 73,000 |
| Cuyahoga County Ohio | 12 | $ 2,312,000 | $ 192,000 | $ 96,000 |
| Fayette County Ohio | 12 | $ 1,462,000 | $ 121,000 | $ 72,000 |
| Scott County Kentucky | 11 | $ 1,365,000 | $ 124,000 | $ 86,000 |
| Mercer County Ohio | 11 | $ 1,350,000 | $ 122,000 | $ 70,000 |
| Henry County Indiana | 10 | $ 1,498,000 | $ 149,000 | $ 73,000 |
| Warrick County Indiana | 10 | $ 1,471,000 | $ 147,000 | $ 93,000 |
| Los Angeles County California | 8 | $ 2,577,000 | $ 322,000 | $ 155,000 |
| Ottawa County Ohio | 8 | $ 1,097,000 | $ 137,000 | $ 96,000 |
| Stark County Ohio | 8 | $ 1,465,000 | $ 183,000 | $ 86,000 |
| Decatur County Indiana | 7 | $ 1,286,000 | $ 183,000 | $ 97,000 |
| Elkhart County Indiana | 7 | $ 895,000 | $ 127,000 | $ 79,000 |
| Mason County Kentucky | 7 | $ 1,656,000 | $ 236,000 | $ 113,000 |
| Pulaski County Kentucky | 7 | $ 919,000 | $ 131,000 | $ 103,000 |
| Guernsey County Ohio | 7 | $ 891,000 | $ 127,000 | $ 70,000 |
| Lucas County Ohio | 7 | $ 995,000 | $ 142,000 | $ 113,000 |
| Ross County Ohio | 7 | $ 1,159,000 | $ 165,000 | $ 102,000 |
| Palm Beach County Florida | 6 | $ 1,903,000 | $ 317,000 | $ 356,000 |
| Jennings County Indiana | 6 | $ 941,000 | $ 156,000 | $ 94,000 |
| Kosciusko County Indiana | 6 | $ 1,040,000 | $ 173,000 | $ 236,000 |
| Steuben County Indiana | 6 | $ 1,374,000 | $ 229,000 | $ 307,000 |
| Vigo County Indiana | 6 | $ 530,000 | $ 88,000 | $ 72,000 |
| Oldham County Kentucky | 6 | $ 2,017,000 | $ 336,000 | $ 194,000 |
| Woodford County Kentucky | 6 | $ 689,000 | $ 114,000 | $ 70,000 |
| Campbell County Tennessee | 6 | $ 1,831,000 | $ 305,000 | $ 283,000 |
| Sarasota County Florida | 5 | $ 539,000 | $ 107,000 | $ 266,000 |
| Lake County Indiana | 5 | $ 725,000 | $ 145,000 | $ 155,000 |
| Posey County Indiana | 5 | $ 742,000 | $ 148,000 | $ 93,000 |
| Rush County Indiana | 5 | $ 509,000 | $ 101,000 | $ 84,000 |
| Union County Indiana | 5 | $ 575,000 | $ 115,000 | $ 67,000 |
| Jessamine County Kentucky | 5 | $ 1,092,000 | $ 218,000 | $ 130,000 |
| Lorain County Ohio | 5 | $ 936,000 | $ 187,000 | $ 60,000 |
| Portage County Ohio | 5 | $ 1,018,000 | $ 203,000 | $ 106,000 |
| Maricopa County Arizona | 4 | $ 1,163,000 | $ 290,000 | $ 427,000 |
| Cook County Illinois | 4 | $ 1,111,000 | $ 277,000 | $ 161,000 |
| Miami County Indiana | 4 | $ 449,000 | $ 112,000 | $ 47,000 |
| Owen County Indiana | 4 | $ 523,000 | $ 130,000 | $ 80,000 |
| Parke County Indiana | 4 | $ 703,000 | $ 175,000 | $ 188,000 |
| Wayne County Indiana | 4 | $ 333,000 | $ 83,000 | $ 57,000 |
| Bracken County Kentucky | 4 | $ 2,166,000 | $ 541,000 | $ 118,000 |
| Ashland County Ohio | 4 | $ 421,000 | $ 105,000 | $ 91,000 |
| Hancock County Ohio | 4 | $ 724,000 | $ 181,000 | $ 91,000 |
| Morgan County Ohio | 4 | $ 389,000 | $ 97,000 | $ 80,000 |
| Tuscarawas County Ohio | 4 | $ 429,000 | $ 107,000 | $ 76,000 |
| Wayne County Ohio | 4 | $ 600,000 | $ 150,000 | $ 69,000 |
| Beaufort County South Carolina | 4 | $ 1,120,000 | $ 280,000 | $ 496,000 |
| Lee County Florida | 3 | $ 624,000 | $ 208,000 | $ 116,000 |
| Clinton County Indiana | 3 | $ 524,000 | $ 174,000 | $ 101,000 |
| Floyd County Indiana | 3 | $ 411,000 | $ 137,000 | $ 164,000 |
| Grant County Indiana | 3 | $ 470,000 | $ 156,000 | $ 92,000 |
| Greene County Indiana | 3 | $ 350,000 | $ 116,000 | $ 59,000 |
| Randolph County Indiana | 3 | $ 230,000 | $ 76,000 | $ 72,000 |
| White County Indiana | 3 | $ 454,000 | $ 151,000 | $ 95,000 |
| Mercer County Kentucky | 3 | $ 551,000 | $ 183,000 | $ 144,000 |
| Owen County Kentucky | 3 | $ 227,000 | $ 75,000 | $ 88,000 |
| Allen County Ohio | 3 | $ 199,000 | $ 66,000 | $ 121,000 |
| Belmont County Ohio | 3 | $ 190,000 | $ 63,000 | $ 77,000 |
| Erie County Ohio | 3 | $ 636,000 | $ 212,000 | $ 132,000 |
| Medina County Ohio | 3 | $ 452,000 | $ 150,000 | $ 99,000 |
| Davidson County Tennessee | 3 | $ 410,000 | $ 136,000 | $ 108,000 |
| Frederick County Virginia | 3 | $ 716,000 | $ 238,000 | $ 78,000 |
| San Bernardino County California | 2 | $ 847,000 | $ 423,000 | $ 1,274,000 |
| Collier County Florida | 2 | $ 1,260,000 | $ 630,000 | $ 521,000 |
| Okaloosa County Florida | 2 | $ 319,000 | $ 159,000 | $ 201,000 |
| Adams County Indiana | 2 | $ 212,000 | $ 106,000 | $ 44,000 |
| Benton County Indiana | 2 | $ 250,000 | $ 125,000 | $ 64,000 |
| Carroll County Indiana | 2 | $ 310,000 | $ 155,000 | $ 96,000 |
| Cass County Indiana | 2 | $ 270,000 | $ 135,000 | $ 78,000 |
| Clark County Indiana | 2 | $ 281,000 | $ 140,000 | $ 134,000 |
| Clay County Indiana | 2 | $ 139,000 | $ 69,000 | $ 48,000 |
| Fayette County Indiana | 2 | $ 163,000 | $ 81,000 | $ 62,000 |
| Fountain County Indiana | 2 | $ 201,000 | $ 100,000 | $ 72,000 |
| Gibson County Indiana | 2 | $ 275,000 | $ 137,000 | $ 88,000 |
| Huntington County Indiana | 2 | $ 355,000 | $ 177,000 | $ 125,000 |
| Jasper County Indiana | 2 | $ 177,000 | $ 88,000 | $ 51,000 |
| LaGrange County Indiana | 2 | $ 356,000 | $ 178,000 | $ 244,000 |
| Noble County Indiana | 2 | $ 393,000 | $ 196,000 | $ 156,000 |
| Ohio County Indiana | 2 | $ 255,000 | $ 127,000 | $ 64,000 |
| Switzerland County Indiana | 2 | $ 298,000 | $ 149,000 | $ 76,000 |
| Vermillion County Indiana | 2 | $ 257,000 | $ 128,000 | $ 127,000 |
| Anderson County Kentucky | 2 | $ 212,000 | $ 106,000 | $ 78,000 |
| Franklin County Kentucky | 2 | $ 155,000 | $ 77,000 | $ 46,000 |
| Harrison County Kentucky | 2 | $ 198,000 | $ 99,000 | $ 63,000 |
| Marshall County Kentucky | 2 | $ 197,000 | $ 98,000 | $ 138,000 |
| Menifee County Kentucky | 2 | $ 121,000 | $ 60,000 | $ 119,000 |
| Montgomery County Maryland | 2 | $ 600,000 | $ 300,000 | $ 304,000 |
| Alpena County Michigan | 2 | $ 202,000 | $ 101,000 | $ 147,000 |
| Emmet County Michigan | 2 | $ 545,000 | $ 272,000 | $ 185,000 |
| Van Buren County Michigan | 2 | $ 299,000 | $ 149,000 | $ 141,000 |
| St. Louis County Missouri | 2 | $ 464,000 | $ 232,000 | $ 120,000 |
| Johnston County North Carolina | 2 | $ 143,000 | $ 71,000 | $ 65,000 |
| Mecklenburg County North Carolina | 2 | $ 668,000 | $ 334,000 | $ 110,000 |
| Wake County North Carolina | 2 | $ 377,000 | $ 188,000 | $ 106,000 |
| Ashtabula County Ohio | 2 | $ 206,000 | $ 103,000 | $ 0 |
| Crawford County Ohio | 2 | $ 141,000 | $ 70,000 | $ 47,000 |
| Gallia County Ohio | 2 | $ 282,000 | $ 141,000 | $ 120,000 |
| Hardin County Ohio | 2 | $ 204,000 | $ 102,000 | $ 38,000 |
| Holmes County Ohio | 2 | $ 247,000 | $ 123,000 | $ 82,000 |
| Lake County Ohio | 2 | $ 390,000 | $ 195,000 | $ 83,000 |
| Meigs County Ohio | 2 | $ 291,000 | $ 145,000 | $ 0 |
| Vinton County Ohio | 2 | $ 218,000 | $ 109,000 | $ 101,000 |
| Washington County Ohio | 2 | $ 260,000 | $ 130,000 | $ 75,000 |
| Wood County Ohio | 2 | $ 542,000 | $ 271,000 | $ 209,000 |
| Sevier County Tennessee | 2 | $ 219,000 | $ 109,000 | $ 167,000 |
| Williamson County Tennessee | 2 | $ 618,000 | $ 309,000 | $ 105,000 |
| Baldwin County Alabama | 1 | $ 110,000 | $ 110,000 | $ 89,000 |
| Butler County Alabama | 1 | $ 145,000 | $ 145,000 | $ 70,000 |
| Colbert County Alabama | 1 | $ 177,000 | $ 177,000 | $ 72,000 |
| Tuscaloosa County Alabama | 1 | $ 121,000 | $ 121,000 | $ 0 |
| Monterey County California | 1 | $ 2,200,000 | $ 2,200,000 | $ 358,000 |
| Riverside County California | 1 | $ 292,000 | $ 292,000 | $ 257,000 |
| San Diego County California | 1 | $ 1,600,000 | $ 1,600,000 | $ 2,630,000 |
| Fairfield County Connecticut | 1 | $ 402,000 | $ 402,000 | $ 152,000 |
| Brevard County Florida | 1 | $ 85,000 | $ 85,000 | $ 102,000 |
| Broward County Florida | 1 | $ 417,000 | $ 417,000 | $ 207,000 |
| Charlotte County Florida | 1 | $ 360,000 | $ 360,000 | $ 385,000 |
| Marion County Florida | 1 | $ 80,000 | $ 80,000 | $ 33,000 |
| Sumter County Florida | 1 | $ 417,000 | $ 417,000 | $ 234,000 |
| Walton County Florida | 1 | $ 404,000 | $ 404,000 | $ 196,000 |
| Fulton County Georgia | 1 | $ 103,000 | $ 103,000 | $ 101,000 |
| Boone County Illinois | 1 | $ 160,000 | $ 160,000 | $ 0 |
| Champaign County Illinois | 1 | $ 142,000 | $ 142,000 | $ 111,000 |
| Kane County Illinois | 1 | $ 174,000 | $ 174,000 | $ 126,000 |
| Lake County Illinois | 1 | $ 168,000 | $ 168,000 | $ 97,000 |
| McHenry County Illinois | 1 | $ 150,000 | $ 150,000 | $ 63,000 |
| Blackford County Indiana | 1 | $ 150,000 | $ 150,000 | $ 65,000 |
| DeKalb County Indiana | 1 | $ 108,000 | $ 108,000 | $ 0 |
| Dubois County Indiana | 1 | $ 141,000 | $ 141,000 | $ 69,000 |
| Fulton County Indiana | 1 | $ 310,000 | $ 310,000 | $ 309,000 |
| Jefferson County Indiana | 1 | $ 122,000 | $ 122,000 | $ 44,000 |
| Knox County Indiana | 1 | $ 417,000 | $ 417,000 | $ 160,000 |
| LaPorte County Indiana | 1 | $ 151,000 | $ 151,000 | $ 0 |
| Lawrence County Indiana | 1 | $ 48,000 | $ 48,000 | $ 94,000 |
| Martin County Indiana | 1 | $ 77,000 | $ 77,000 | $ 85,000 |
| Scott County Indiana | 1 | $ 151,000 | $ 151,000 | $ 73,000 |
| Spencer County Indiana | 1 | $ 90,000 | $ 90,000 | $ 64,000 |
| Warren County Indiana | 1 | $ 50,000 | $ 50,000 | $ 42,000 |
| Washington County Indiana | 1 | $ 137,000 | $ 137,000 | $ 135,000 |
| Whitley County Indiana | 1 | $ 149,000 | $ 149,000 | $ 126,000 |
| Butler County Kansas | 1 | $ 177,000 | $ 177,000 | $ 0 |
| Bourbon County Kentucky | 1 | $ 177,000 | $ 177,000 | $ 62,000 |
| Clark County Kentucky | 1 | $ 100,000 | $ 100,000 | $ 107,000 |
| Fleming County Kentucky | 1 | $ 85,000 | $ 85,000 | $ 46,000 |
| Gallatin County Kentucky | 1 | $ 72,000 | $ 72,000 | $ 196,000 |
| Grayson County Kentucky | 1 | $ 136,000 | $ 136,000 | $ 189,000 |
| Greenup County Kentucky | 1 | $ 72,000 | $ 72,000 | $ 52,000 |
| Henderson County Kentucky | 1 | $ 124,000 | $ 124,000 | $ 89,000 |
| Lincoln County Kentucky | 1 | $ 110,000 | $ 110,000 | $ 58,000 |
| Morgan County Kentucky | 1 | $ 66,000 | $ 66,000 | $ 61,000 |
| Russell County Kentucky | 1 | $ 193,000 | $ 193,000 | $ 164,000 |
| Shelby County Kentucky | 1 | $ 283,000 | $ 283,000 | $ 109,000 |
| Spencer County Kentucky | 1 | $ 150,000 | $ 150,000 | $ 92,000 |
| Wayne County Kentucky | 1 | $ 114,000 | $ 114,000 | $ 60,000 |
| St. Mary's County Maryland | 1 | $ 311,000 | $ 311,000 | $ 142,000 |
| Barnstable County Massachusetts | 1 | $ 395,000 | $ 395,000 | $ 388,000 |
| Charlevoix County Michigan | 1 | $ 339,000 | $ 339,000 | $ 173,000 |
| Ingham County Michigan | 1 | $ 225,000 | $ 225,000 | $ 330,000 |
| Leelanau County Michigan | 1 | $ 253,000 | $ 253,000 | $ 253,000 |
| Presque Isle County Michigan | 1 | $ 97,000 | $ 97,000 | $ 1,293,000 |
| Washtenaw County Michigan | 1 | $ 417,000 | $ 417,000 | $ 305,000 |
| Wayne County Michigan | 1 | $ 264,000 | $ 264,000 | $ 201,000 |
| Stone County Missouri | 1 | $ 70,000 | $ 70,000 | $ 76,000 |
| Camden County New Jersey | 1 | $ 264,000 | $ 264,000 | $ 88,000 |
| Clay County North Carolina | 1 | $ 350,000 | $ 350,000 | $ 207,000 |
| New Hanover County North Carolina | 1 | $ 156,000 | $ 156,000 | $ 119,000 |
| Polk County North Carolina | 1 | $ 550,000 | $ 550,000 | $ 390,000 |
| Rutherford County North Carolina | 1 | $ 160,000 | $ 160,000 | $ 102,000 |
| Coshocton County Ohio | 1 | $ 95,000 | $ 95,000 | $ 81,000 |
| Fulton County Ohio | 1 | $ 90,000 | $ 90,000 | $ 102,000 |
| Geauga County Ohio | 1 | $ 302,000 | $ 302,000 | $ 324,000 |
| Henry County Ohio | 1 | $ 173,000 | $ 173,000 | $ 64,000 |
| Lawrence County Ohio | 1 | $ 56,000 | $ 56,000 | $ 31,000 |
| Putnam County Ohio | 1 | $ 94,000 | $ 94,000 | $ 46,000 |
| Scioto County Ohio | 1 | $ 160,000 | $ 160,000 | $ 72,000 |
| Seneca County Ohio | 1 | $ 159,000 | $ 159,000 | $ 90,000 |
| Trumbull County Ohio | 1 | $ 115,000 | $ 115,000 | $ 60,000 |
| Wyandot County Ohio | 1 | $ 59,000 | $ 59,000 | $ 117,000 |
| Wyoming County Pennsylvania | 1 | $ 100,000 | $ 100,000 | $ 110,000 |
| Charleston County South Carolina | 1 | $ 316,000 | $ 316,000 | $ 96,000 |
| Georgetown County South Carolina | 1 | $ 382,000 | $ 382,000 | $ 194,000 |
| Horry County South Carolina | 1 | $ 97,000 | $ 97,000 | $ 200,000 |
| McCormick County South Carolina | 1 | $ 150,000 | $ 150,000 | $ 70,000 |
| Shelby County Tennessee | 1 | $ 146,000 | $ 146,000 | $ 0 |
| Union County Tennessee | 1 | $ 285,000 | $ 285,000 | $ 370,000 |
| Caroline County Virginia | 1 | $ 109,000 | $ 109,000 | $ 81,000 |
| Loudoun County Virginia | 1 | $ 279,000 | $ 279,000 | $ 114,000 |
| Norfolk County Virginia | 1 | $ 240,000 | $ 240,000 | $ 112,000 |
| King County Washington | 1 | $ 175,000 | $ 175,000 | $ 135,000 |
| Doddridge County West Virginia | 1 | $ 65,000 | $ 65,000 | $ 121,000 |
Mortgage Loan Application Detail Totals for Union Savings Bank in 2009
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 | 29,130 | $4,631,587,000 | $158,000 | $3,050,000 | $100,000 | $2,630,000 |
| Home Purchase | 4,232 | $650,507,000 | $153,000 | $2,980,000 | $88,000 | $6,889,000 |
| Home Improvement | 8 | $2,954,000 | $369,000 | $1,340,000 | $169,000 | $600,000 |
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 | 30,149 | $4,724,384,000 | $156,000 | $3,050,000 | $98,000 | $6,889,000 |
| Asian | 1,920 | $359,896,000 | $187,000 | $1,820,000 | $112,000 | $798,000 |
| Black or African American | 665 | $92,308,000 | $138,000 | $825,000 | $74,000 | $1,216,000 |
| Not Provided | 390 | $64,507,000 | $165,000 | $417,000 | $104,000 | $480,000 |
| Hispanic | 183 | $34,141,000 | $186,000 | $1,696,000 | $105,000 | $642,000 |
| Native Hawaiian or Other Pacific Islander | 31 | $5,555,000 | $179,000 | $393,000 | $108,000 | $376,000 |
| American Indian or Alaskan Native | 29 | $3,893,000 | $134,000 | $282,000 | $69,000 | $188,000 |
| Not applicable | 3 | $364,000 | $121,000 | $161,000 | $0 | $0 |
Loan Type |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Conventional (any loan other than FHA, VA, FSA, or RHS loans) | 30,464 | $4,880,126,000 | $160,000 | $3,050,000 | $104,000 | $6,889,000 |
| FHA-insured (Federal Housing Administration) | 2,836 | $394,165,000 | $138,000 | $432,000 | $42,000 | $864,000 |
| VA-guaranteed (Veterans Administration) | 69 | $10,548,000 | $152,000 | $402,000 | $54,000 | $149,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 1 | $209,000 | $209,000 | $209,000 | $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 | 28,123 | $4,424,632,000 | $157,000 | $3,050,000 | $101,000 | $6,889,000 |
| Application Denied By Financial Institution | 3,601 | $589,472,000 | $163,000 | $1,600,000 | $82,000 | $1,037,000 |
| Application Withdrawn By Applicant | 971 | $160,997,000 | $165,000 | $1,290,000 | $86,000 | $757,000 |
| Application Approved But Not Accepted | 675 | $109,947,000 | $162,000 | $1,320,000 | $98,000 | $3,071,000 |
| 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 |
|---|---|---|---|---|---|---|
| Collateral | 1,543 | $267,558,000 | $173,000 | $1,600,000 | $96,000 | $940,000 |
| Debt-To-Income Ratio | 968 | $166,234,000 | $171,000 | $1,135,000 | $68,000 | $1,037,000 |
| Credit History | 463 | $61,302,000 | $132,000 | $752,000 | $61,000 | $543,000 |
| Other | 281 | $41,155,000 | $146,000 | $683,000 | $91,000 | $552,000 |
| Credit Application Incomplete | 253 | $40,148,000 | $158,000 | $1,100,000 | $73,000 | $749,000 |
| Unverifiable Information | 34 | $4,829,000 | $142,000 | $417,000 | $83,000 | $360,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 27 | $4,078,000 | $151,000 | $417,000 | $85,000 | $191,000 |
| Employment History | 22 | $2,475,000 | $112,000 | $296,000 | $73,000 | $128,000 |
| Mortgage Insurance Denied | 10 | $1,693,000 | $169,000 | $375,000 | $87,000 | $150,000 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Union Savings Bank's 2009 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.
For a list of all lenders in Ohio, download the full spreadsheet
with aggregated HMDA statistics today.