Union Savings Bank Mortgage Lending & HMDA Data, 2007
In 2007, Union Savings Bank of Cincinnati, OH reported 7,472 mortgage applications totaling $1.2 billion, up 3% from 2006. The average application was for $158,834, and applicants reported an average income of $86,114. 74% of its applications resulted in an originated loan and 18% were denied. Its largest markets were Cincinnati-Middletown, OH-KY-IN (3,120), Dayton, OH (1,548) and Columbus, OH (1,379) (applications in parentheses).
| 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 | 7,472 |
| Total Mortgage Loan Application Amount | $1,186,812,000 |
| Average Mortgage Loan Application Amount | $158,834 |
| Highest Mortgage Loan Application Amount | $4,000,000 |
| Average Applicant Income | $86,114 |
| Highest Applicant Income | $6,889,000 |
About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records Union Savings Bank filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans. Applications reported at $100 million or more are left out of these totals.
| Metro Area | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Cincinnati-Middletown, OH-KY-IN | 3,120 | $ 523,978,000 | $ 167,941 | $ 90,644 |
| Dayton, OH | 1,548 | $ 198,476,000 | $ 128,214 | $ 73,000 |
| Columbus, OH | 1,379 | $ 212,265,000 | $ 153,926 | $ 82,000 |
| Indianapolis-Carmel, IN | 704 | $ 130,125,000 | $ 184,836 | $ 95,000 |
| Springfield, OH | 76 | $ 9,873,000 | $ 129,907 | $ 57,000 |
| Cleveland-Elyria-Mentor, OH | 40 | $ 5,680,000 | $ 142,000 | $ 69,000 |
| Columbus, IN | 39 | $ 6,275,000 | $ 160,897 | $ 59,000 |
| Akron, OH | 32 | $ 3,664,000 | $ 114,500 | $ 74,000 |
| Anderson, IN | 14 | $ 1,756,000 | $ 125,428 | $ 57,000 |
| Lexington-Fayette, KY | 13 | $ 1,715,000 | $ 131,923 | $ 89,000 |
| Bloomington, IN | 11 | $ 1,351,000 | $ 122,818 | $ 71,000 |
| Canton-Massillon, OH | 8 | $ 1,029,000 | $ 128,625 | $ 58,000 |
| Cape Coral-Fort Myers, FL | 8 | $ 1,899,000 | $ 237,375 | $ 203,000 |
| Chicago-Naperville-Joliet, IL | 7 | $ 1,719,000 | $ 245,571 | $ 120,000 |
| Atlanta-Sandy Springs-Marietta, GA | 6 | $ 1,320,000 | $ 220,000 | $ 219,000 |
| Evansville, IN-KY | 6 | $ 1,168,000 | $ 194,666 | $ 161,000 |
| Lafayette, IN | 6 | $ 723,000 | $ 120,500 | $ 46,000 |
| Louisville-Jefferson County, KY-IN | 6 | $ 1,290,000 | $ 215,000 | $ 115,166 |
| Kokomo, IN | 5 | $ 764,000 | $ 152,800 | $ 68,000 |
| Gary, IN | 4 | $ 515,000 | $ 128,750 | $ 78,000 |
| Huntington-Ashland, WV-KY-OH | 4 | $ 658,000 | $ 164,500 | $ 50,500 |
| Muncie, IN | 4 | $ 496,000 | $ 124,000 | $ 40,000 |
| Sarasota-Bradenton-Venice, FL | 4 | $ 1,497,000 | $ 374,250 | $ 342,000 |
| Toledo, OH | 4 | $ 522,000 | $ 130,500 | $ 91,000 |
| Bowling Green, KY | 3 | $ 207,000 | $ 69,000 | $ 49,000 |
| Charleston-North Charleston, SC | 3 | $ 698,000 | $ 232,666 | $ 124,000 |
| Knoxville, TN | 3 | $ 652,000 | $ 217,333 | $ 94,000 |
| Mansfield, OH | 3 | $ 691,000 | $ 230,333 | $ 76,000 |
| Naples-Marco Island, FL | 3 | $ 1,393,000 | $ 464,333 | $ 79,000 |
| Nashville-Davidson--Murfreesboro--Franklin, TN | 3 | $ 515,000 | $ 171,666 | $ 117,000 |
| Tampa-St. Petersburg-Clearwater, FL | 3 | $ 756,000 | $ 252,000 | $ 216,000 |
| Youngstown-Warren-Boardman, OH-PA | 3 | $ 420,000 | $ 140,000 | $ 97,000 |
| Charlotte-Gastonia-Concord, NC-SC | 2 | $ 820,000 | $ 410,000 | $ 128,000 |
| Fort Walton Beach-Crestview-Destin, FL | 2 | $ 543,000 | $ 271,500 | $ 139,000 |
| Fort Worth-Arlington, TX | 2 | $ 416,000 | $ 208,000 | $ 122,000 |
| Memphis, TN-MS-AR | 2 | $ 454,000 | $ 227,000 | $ 76,000 |
| Palm Bay-Melbourne-Titusville, FL | 2 | $ 230,000 | $ 115,000 | $ 74,000 |
| Phoenix-Mesa-Scottsdale, AZ | 2 | $ 1,634,000 | $ 817,000 | $ 289,000 |
| Pittsburgh, PA | 2 | $ 266,000 | $ 133,000 | $ 78,000 |
| Punta Gorda, FL | 2 | $ 985,000 | $ 492,500 | $ 769,000 |
| Raleigh-Cary, NC | 2 | $ 144,000 | $ 72,000 | $ 0 |
| Santa Ana-Anaheim-Irvine, CA | 2 | $ 4,417,000 | $ 2,208,500 | $ 89,000 |
| Washington-Arlington-Alexandria, DC-VA-MD-WV | 2 | $ 701,000 | $ 350,500 | $ 525,000 |
| Weirton-Steubenville, WV-OH | 2 | $ 111,000 | $ 55,500 | $ 88,000 |
| West Palm Beach-Boca Raton-Boynton Beach, FL | 2 | $ 675,000 | $ 337,500 | $ 512,000 |
| Allentown-Bethlehem-Easton, PA-NJ | 1 | $ 352,000 | $ 352,000 | $ 129,000 |
| Appleton, WI | 1 | $ 152,000 | $ 152,000 | $ 60,000 |
| Augusta-Richmond County, GA-SC | 1 | $ 190,000 | $ 190,000 | $ 32,000 |
| Baltimore-Towson, MD | 1 | $ 238,000 | $ 238,000 | $ 68,000 |
| Birmingham-Hoover, AL | 1 | $ 91,000 | $ 91,000 | $ 92,000 |
| Boston-Quincy, MA | 1 | $ 170,000 | $ 170,000 | $ 0 |
| Bridgeport-Stamford-Norwalk, CT | 1 | $ 2,000,000 | $ 2,000,000 | $ 720,000 |
| Champaign-Urbana, IL | 1 | $ 143,000 | $ 143,000 | $ 69,000 |
| Chattanooga, TN-GA | 1 | $ 135,000 | $ 135,000 | $ 79,000 |
| Colorado Springs, CO | 1 | $ 221,000 | $ 221,000 | $ 60,000 |
| Davenport-Moline-Rock Island, IA-IL | 1 | $ 115,000 | $ 115,000 | $ 108,000 |
| Deltona-Daytona Beach-Ormond Beach, FL | 1 | $ 158,000 | $ 158,000 | $ 156,000 |
| Denver-Aurora, CO | 1 | $ 179,000 | $ 179,000 | $ 41,000 |
| Detroit-Livonia-Dearborn, MI | 1 | $ 380,000 | $ 380,000 | $ 165,000 |
| Duluth, MN-WI | 1 | $ 144,000 | $ 144,000 | $ 135,000 |
| Durham, NC | 1 | $ 156,000 | $ 156,000 | $ 59,000 |
| Edison, NJ | 1 | $ 250,000 | $ 250,000 | $ 94,000 |
| Greenville-Mauldin-Easley, SC | 1 | $ 741,000 | $ 741,000 | $ 13,000 |
| Kingsport-Bristol-Bristol, TN-VA | 1 | $ 79,000 | $ 79,000 | $ 24,000 |
| Las Vegas-Paradise, NV | 1 | $ 215,000 | $ 215,000 | $ 86,000 |
| Lima, OH | 1 | $ 93,000 | $ 93,000 | $ 84,000 |
| Little Rock-North Little Rock-Conway, AR | 1 | $ 350,000 | $ 350,000 | $ 105,000 |
| Michigan City-La Porte, IN | 1 | $ 87,000 | $ 87,000 | $ 35,000 |
| Milwaukee-Waukesha-West Allis, WI | 1 | $ 156,000 | $ 156,000 | $ 45,000 |
| Myrtle Beach-Conway-North Myrtle Beach, SC | 1 | $ 150,000 | $ 150,000 | $ 588,000 |
| New York-White Plains-Wayne, NY-NJ | 1 | $ 2,000,000 | $ 2,000,000 | $ 540,000 |
| Niles-Benton Harbor, MI | 1 | $ 250,000 | $ 250,000 | $ 129,000 |
| Ocala, FL | 1 | $ 110,000 | $ 110,000 | $ 64,000 |
| Owensboro, KY | 1 | $ 99,000 | $ 99,000 | $ 24,000 |
| Panama City-Lynn Haven, FL | 1 | $ 170,000 | $ 170,000 | $ 182,000 |
| Parkersburg-Marietta-Vienna, WV-OH | 1 | $ 178,000 | $ 178,000 | $ 101,000 |
| Philadelphia, PA | 1 | $ 650,000 | $ 650,000 | $ 373,000 |
| Richmond, VA | 1 | $ 406,000 | $ 406,000 | $ 88,000 |
| San Diego-Carlsbad-San Marcos, CA | 1 | $ 372,000 | $ 372,000 | $ 87,000 |
| Syracuse, NY | 1 | $ 102,000 | $ 102,000 | $ 77,000 |
| Tacoma, WA | 1 | $ 305,000 | $ 305,000 | $ 106,000 |
| Terre Haute, IN | 1 | $ 88,000 | $ 88,000 | $ 89,000 |
| Trenton-Ewing, NJ | 1 | $ 406,000 | $ 406,000 | $ 201,000 |
| Wilmington, NC | 1 | $ 605,000 | $ 605,000 | $ 642,000 |
| Winston-Salem, NC | 1 | $ 287,000 | $ 287,000 | $ 124,000 |
Mortgage Loan Application Detail Totals for Union Savings Bank in 2007
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 | 3,973 | $622,809,000 | $156,000 | $4,000,000 | $88,000 | $6,889,000 |
| Home Purchase | 3,452 | $557,378,000 | $161,000 | $3,400,000 | $84,000 | $6,889,000 |
| Home Improvement | 47 | $6,625,000 | $140,000 | $417,000 | $82,000 | $243,000 |
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 | 6,772 | $1,082,911,000 | $159,000 | $4,000,000 | $87,000 | $6,889,000 |
| Black or African American | 445 | $55,580,000 | $124,000 | $2,000,000 | $72,000 | $6,807,000 |
| Asian | 131 | $22,521,000 | $171,000 | $807,000 | $93,000 | $423,000 |
| Hispanic | 62 | $9,445,000 | $152,000 | $619,000 | $67,000 | $280,000 |
| Not applicable | 33 | $11,661,000 | $353,000 | $3,230,000 | $0 | $0 |
| American Indian or Alaskan Native | 17 | $2,653,000 | $156,000 | $417,000 | $76,000 | $186,000 |
| Native Hawaiian or Other Pacific Islander | 12 | $2,041,000 | $170,000 | $336,000 | $114,000 | $226,000 |
| Not Provided | 0 | $0 | $0 | $0 | $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) | 6,380 | $1,048,577,000 | $164,000 | $4,000,000 | $92,000 | $6,889,000 |
| FHA-insured (Federal Housing Administration) | 975 | $119,482,000 | $122,000 | $283,000 | $52,000 | $1,230,000 |
| VA-guaranteed (Veterans Administration) | 117 | $18,753,000 | $160,000 | $339,000 | $63,000 | $124,000 |
| 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 | 5,501 | $868,758,000 | $157,000 | $4,000,000 | $88,000 | $6,889,000 |
| Application Denied By Financial Institution | 1,360 | $212,446,000 | $156,000 | $2,700,000 | $71,000 | $6,889,000 |
| Application Withdrawn By Applicant | 441 | $78,330,000 | $177,000 | $3,400,000 | $105,000 | $6,807,000 |
| Application Approved But Not Accepted | 170 | $27,278,000 | $160,000 | $3,000,000 | $90,000 | $2,674,000 |
| 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 | 420 | $53,664,000 | $127,000 | $628,000 | $51,000 | $297,000 |
| Debt-To-Income Ratio | 309 | $57,986,000 | $187,000 | $2,700,000 | $63,000 | $600,000 |
| Credit Application Incomplete | 287 | $46,271,000 | $161,000 | $2,000,000 | $94,000 | $6,889,000 |
| Other | 146 | $26,951,000 | $184,000 | $2,000,000 | $93,000 | $720,000 |
| Collateral | 133 | $18,811,000 | $141,000 | $768,000 | $93,000 | $352,000 |
| Unverifiable Information | 52 | $6,973,000 | $134,000 | $417,000 | $45,000 | $258,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 7 | $1,152,000 | $164,000 | $624,000 | $87,000 | $312,000 |
| Employment History | 6 | $638,000 | $106,000 | $152,000 | $39,000 | $84,000 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Union Savings Bank's 2007 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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