Union Savings Bank
HMDA Loan Application Totals
and Mortgage Lending Details
for 2012
Union Savings Bank 2012 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 Rd Cincinnati, OH 45249 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2023 2022 2021 2020 2019 2018 2017 2016 2015 2014 2013 2012 2011 |
| Total Number of Mortgage Applications | 46,916 |
| Total Mortgage Loan Application Amount | $7,568,916,000 |
| Average Mortgage Loan Application Amount | $157,000 |
| Highest Mortgage Loan Application Amount | $3,700,000 |
| Average Applicant Income | $97,333 |
| Highest Applicant Income | $9,999,000 |
Explore comprehensive HMDA mortgage statistics and lending trends for 2012 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 2012 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 2012.
| 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 | 6,067 | $ 1,089,387,000 | $ 179,000 | $ 112,000 |
| Franklin County Ohio | 5,813 | $ 920,495,000 | $ 158,000 | $ 97,000 |
| Montgomery County Ohio | 4,998 | $ 644,569,000 | $ 128,000 | $ 79,000 |
| Warren County Ohio | 3,972 | $ 708,064,000 | $ 178,000 | $ 104,000 |
| Butler County Ohio | 3,817 | $ 567,942,000 | $ 148,000 | $ 89,000 |
| Hamilton County Indiana | 3,080 | $ 575,957,000 | $ 186,000 | $ 114,000 |
| Marion County Indiana | 2,668 | $ 382,708,000 | $ 143,000 | $ 91,000 |
| Delaware County Ohio | 2,138 | $ 443,247,000 | $ 207,000 | $ 120,000 |
| Greene County Ohio | 1,801 | $ 289,363,000 | $ 160,000 | $ 91,000 |
| Clermont County Ohio | 1,783 | $ 288,443,000 | $ 161,000 | $ 96,000 |
| Miami County Ohio | 960 | $ 127,775,000 | $ 133,000 | $ 79,000 |
| Fairfield County Ohio | 878 | $ 122,468,000 | $ 139,000 | $ 82,000 |
| Johnson County Indiana | 869 | $ 139,079,000 | $ 160,000 | $ 92,000 |
| Bartholomew County Indiana | 776 | $ 116,108,000 | $ 149,000 | $ 92,000 |
| Hendricks County Indiana | 772 | $ 118,150,000 | $ 153,000 | $ 93,000 |
| Boone County Indiana | 461 | $ 96,847,000 | $ 210,000 | $ 130,000 |
| Kenton County Kentucky | 421 | $ 65,114,000 | $ 154,000 | $ 98,000 |
| Licking County Ohio | 419 | $ 64,356,000 | $ 153,000 | $ 88,000 |
| Union County Ohio | 382 | $ 72,150,000 | $ 188,000 | $ 111,000 |
| Boone County Kentucky | 356 | $ 61,726,000 | $ 173,000 | $ 96,000 |
| Clark County Ohio | 312 | $ 39,620,000 | $ 126,000 | $ 74,000 |
| Monroe County Indiana | 305 | $ 42,753,000 | $ 140,000 | $ 83,000 |
| Campbell County Kentucky | 295 | $ 46,841,000 | $ 158,000 | $ 95,000 |
| Hancock County Indiana | 290 | $ 42,838,000 | $ 147,000 | $ 87,000 |
| Morgan County Indiana | 164 | $ 26,994,000 | $ 164,000 | $ 91,000 |
| Shelby County Ohio | 161 | $ 21,350,000 | $ 132,000 | $ 71,000 |
| Pickaway County Ohio | 140 | $ 20,811,000 | $ 148,000 | $ 78,000 |
| Madison County Ohio | 138 | $ 23,990,000 | $ 173,000 | $ 99,000 |
| Dearborn County Indiana | 126 | $ 19,345,000 | $ 153,000 | $ 91,000 |
| Clinton County Ohio | 114 | $ 15,873,000 | $ 139,000 | $ 73,000 |
| Preble County Ohio | 109 | $ 11,976,000 | $ 109,000 | $ 70,000 |
| Madison County Indiana | 104 | $ 13,088,000 | $ 125,000 | $ 85,000 |
| Brown County Ohio | 98 | $ 13,978,000 | $ 142,000 | $ 121,000 |
| Howard County Indiana | 89 | $ 10,251,000 | $ 115,000 | $ 78,000 |
| Knox County Ohio | 85 | $ 11,469,000 | $ 134,000 | $ 87,000 |
| Champaign County Ohio | 78 | $ 9,508,000 | $ 121,000 | $ 67,000 |
| Darke County Ohio | 78 | $ 7,945,000 | $ 101,000 | $ 57,000 |
| Logan County Ohio | 76 | $ 11,242,000 | $ 147,000 | $ 110,000 |
| Hocking County Ohio | 69 | $ 8,460,000 | $ 122,000 | $ 83,000 |
| Brown County Indiana | 66 | $ 11,080,000 | $ 167,000 | $ 132,000 |
| Shelby County Indiana | 66 | $ 10,374,000 | $ 157,000 | $ 86,000 |
| Jackson County Indiana | 61 | $ 7,393,000 | $ 121,000 | $ 80,000 |
| Perry County Ohio | 54 | $ 7,235,000 | $ 133,000 | $ 70,000 |
| Morrow County Ohio | 48 | $ 5,819,000 | $ 121,000 | $ 79,000 |
| Fayette County Kentucky | 41 | $ 5,457,000 | $ 133,000 | $ 96,000 |
| Putnam County Indiana | 40 | $ 6,347,000 | $ 158,000 | $ 131,000 |
| Tippecanoe County Indiana | 39 | $ 6,168,000 | $ 158,000 | $ 113,000 |
| Ross County Ohio | 38 | $ 5,378,000 | $ 141,000 | $ 84,000 |
| Allen County Indiana | 34 | $ 4,310,000 | $ 126,000 | $ 65,000 |
| Marion County Ohio | 34 | $ 3,799,000 | $ 111,000 | $ 89,000 |
| Athens County Ohio | 30 | $ 3,772,000 | $ 125,000 | $ 86,000 |
| Muskingum County Ohio | 30 | $ 4,229,000 | $ 140,000 | $ 111,000 |
| Richland County Ohio | 27 | $ 3,921,000 | $ 145,000 | $ 87,000 |
| Auglaize County Ohio | 26 | $ 4,003,000 | $ 153,000 | $ 96,000 |
| Fayette County Ohio | 23 | $ 3,348,000 | $ 145,000 | $ 71,000 |
| Henry County Indiana | 22 | $ 3,386,000 | $ 153,000 | $ 95,000 |
| Mercer County Ohio | 22 | $ 3,081,000 | $ 140,000 | $ 61,000 |
| Lawrence County Indiana | 21 | $ 2,657,000 | $ 126,000 | $ 89,000 |
| Owen County Indiana | 21 | $ 2,125,000 | $ 101,000 | $ 60,000 |
| Tipton County Indiana | 20 | $ 2,872,000 | $ 143,000 | $ 75,000 |
| Highland County Ohio | 20 | $ 2,913,000 | $ 145,000 | $ 80,000 |
| Lake County Indiana | 19 | $ 3,275,000 | $ 172,000 | $ 98,000 |
| Decatur County Indiana | 18 | $ 2,571,000 | $ 142,000 | $ 109,000 |
| Grant County Kentucky | 18 | $ 2,521,000 | $ 140,000 | $ 115,000 |
| Hancock County Ohio | 18 | $ 2,287,000 | $ 127,000 | $ 86,000 |
| Greene County Indiana | 17 | $ 2,249,000 | $ 132,000 | $ 78,000 |
| Montgomery County Indiana | 17 | $ 2,261,000 | $ 133,000 | $ 78,000 |
| Franklin County Indiana | 16 | $ 2,437,000 | $ 152,000 | $ 86,000 |
| Cuyahoga County Ohio | 16 | $ 2,599,000 | $ 162,000 | $ 100,000 |
| Summit County Ohio | 16 | $ 2,758,000 | $ 172,000 | $ 124,000 |
| Campbell County Tennessee | 16 | $ 4,459,000 | $ 278,000 | $ 192,000 |
| Jefferson County Kentucky | 14 | $ 3,442,000 | $ 245,000 | $ 151,000 |
| Jennings County Indiana | 13 | $ 1,531,000 | $ 117,000 | $ 74,000 |
| Ripley County Indiana | 13 | $ 1,611,000 | $ 123,000 | $ 83,000 |
| Vanderburgh County Indiana | 13 | $ 1,658,000 | $ 127,000 | $ 80,000 |
| Pendleton County Kentucky | 13 | $ 2,121,000 | $ 163,000 | $ 86,000 |
| Lucas County Ohio | 13 | $ 2,134,000 | $ 164,000 | $ 103,000 |
| Crawford County Ohio | 12 | $ 1,637,000 | $ 136,000 | $ 105,000 |
| Stark County Ohio | 12 | $ 1,796,000 | $ 149,000 | $ 114,000 |
| Collier County Florida | 11 | $ 4,485,000 | $ 407,000 | $ 324,000 |
| Delaware County Indiana | 11 | $ 1,209,000 | $ 109,000 | $ 86,000 |
| Adams County Ohio | 11 | $ 1,194,000 | $ 108,000 | $ 73,000 |
| Clark County Indiana | 10 | $ 1,303,000 | $ 130,000 | $ 88,000 |
| St. Joseph County Indiana | 10 | $ 1,055,000 | $ 105,000 | $ 146,000 |
| White County Indiana | 10 | $ 1,196,000 | $ 119,000 | $ 81,000 |
| Orange County California | 9 | $ 6,159,000 | $ 684,000 | $ 252,000 |
| Floyd County Indiana | 9 | $ 1,786,000 | $ 198,000 | $ 107,000 |
| Grant County Indiana | 9 | $ 1,167,000 | $ 129,000 | $ 70,000 |
| Parke County Indiana | 9 | $ 1,563,000 | $ 173,000 | $ 97,000 |
| Wayne County Indiana | 9 | $ 1,172,000 | $ 130,000 | $ 81,000 |
| Medina County Ohio | 9 | $ 1,668,000 | $ 185,000 | $ 124,000 |
| Kosciusko County Indiana | 8 | $ 1,611,000 | $ 201,000 | $ 220,000 |
| Steuben County Indiana | 8 | $ 1,482,000 | $ 185,000 | $ 253,000 |
| Wayne County Ohio | 8 | $ 785,000 | $ 98,000 | $ 85,000 |
| Wood County Ohio | 8 | $ 1,387,000 | $ 173,000 | $ 121,000 |
| Los Angeles County California | 7 | $ 5,959,000 | $ 851,000 | $ 284,000 |
| San Diego County California | 7 | $ 7,328,000 | $ 1,046,000 | $ 739,000 |
| Lee County Florida | 7 | $ 1,927,000 | $ 275,000 | $ 102,000 |
| Scott County Kentucky | 7 | $ 1,274,000 | $ 182,000 | $ 127,000 |
| Erie County Ohio | 7 | $ 854,000 | $ 122,000 | $ 140,000 |
| Lorain County Ohio | 7 | $ 938,000 | $ 134,000 | $ 66,000 |
| Ottawa County Ohio | 7 | $ 1,015,000 | $ 145,000 | $ 121,000 |
| Maricopa County Arizona | 6 | $ 2,388,000 | $ 398,000 | $ 139,000 |
| Clinton County Indiana | 6 | $ 656,000 | $ 109,000 | $ 69,000 |
| Elkhart County Indiana | 6 | $ 922,000 | $ 153,000 | $ 91,000 |
| Miami County Indiana | 6 | $ 825,000 | $ 137,000 | $ 89,000 |
| Orange County Indiana | 6 | $ 727,000 | $ 121,000 | $ 61,000 |
| Porter County Indiana | 6 | $ 1,528,000 | $ 254,000 | $ 102,000 |
| Vigo County Indiana | 6 | $ 750,000 | $ 125,000 | $ 75,000 |
| Sarasota County Florida | 5 | $ 1,174,000 | $ 234,000 | $ 134,000 |
| Carroll County Indiana | 5 | $ 522,000 | $ 104,000 | $ 99,000 |
| Harrison County Indiana | 5 | $ 597,000 | $ 119,000 | $ 70,000 |
| Rush County Indiana | 5 | $ 583,000 | $ 116,000 | $ 80,000 |
| Switzerland County Indiana | 5 | $ 808,000 | $ 161,000 | $ 135,000 |
| Warrick County Indiana | 5 | $ 918,000 | $ 183,000 | $ 107,000 |
| Bracken County Kentucky | 5 | $ 937,000 | $ 187,000 | $ 148,000 |
| Mason County Kentucky | 5 | $ 745,000 | $ 149,000 | $ 91,000 |
| Pulaski County Kentucky | 5 | $ 634,000 | $ 126,000 | $ 269,000 |
| Vinton County Ohio | 5 | $ 375,000 | $ 75,000 | $ 87,000 |
| Daviess County Indiana | 4 | $ 561,000 | $ 140,000 | $ 105,000 |
| Jefferson County Indiana | 4 | $ 400,000 | $ 100,000 | $ 42,000 |
| Whitley County Indiana | 4 | $ 703,000 | $ 175,000 | $ 106,000 |
| Madison County Kentucky | 4 | $ 881,000 | $ 220,000 | $ 83,000 |
| Oldham County Kentucky | 4 | $ 1,097,000 | $ 274,000 | $ 217,000 |
| Emmet County Michigan | 4 | $ 1,311,000 | $ 327,000 | $ 654,000 |
| Allen County Ohio | 4 | $ 596,000 | $ 149,000 | $ 89,000 |
| Belmont County Ohio | 4 | $ 339,000 | $ 84,000 | $ 89,000 |
| Lake County Ohio | 4 | $ 632,000 | $ 158,000 | $ 56,000 |
| Morgan County Ohio | 4 | $ 386,000 | $ 96,000 | $ 53,000 |
| Scioto County Ohio | 4 | $ 379,000 | $ 94,000 | $ 63,000 |
| Charleston County South Carolina | 4 | $ 1,633,000 | $ 408,000 | $ 331,000 |
| Broward County Florida | 3 | $ 1,404,000 | $ 468,000 | $ 251,000 |
| Cook County Illinois | 3 | $ 618,000 | $ 206,000 | $ 82,000 |
| Kane County Illinois | 3 | $ 371,000 | $ 123,000 | $ 155,000 |
| Adams County Indiana | 3 | $ 388,000 | $ 129,000 | $ 106,000 |
| Clay County Indiana | 3 | $ 304,000 | $ 101,000 | $ 62,000 |
| Jasper County Indiana | 3 | $ 237,000 | $ 79,000 | $ 72,000 |
| LaGrange County Indiana | 3 | $ 361,000 | $ 120,000 | $ 227,000 |
| Ohio County Indiana | 3 | $ 289,000 | $ 96,000 | $ 57,000 |
| Posey County Indiana | 3 | $ 284,000 | $ 94,000 | $ 67,000 |
| Pulaski County Indiana | 3 | $ 241,000 | $ 80,000 | $ 50,000 |
| Union County Indiana | 3 | $ 299,000 | $ 99,000 | $ 209,000 |
| Wabash County Indiana | 3 | $ 375,000 | $ 125,000 | $ 99,000 |
| Warren County Indiana | 3 | $ 269,000 | $ 89,000 | $ 79,000 |
| Washington County Indiana | 3 | $ 276,000 | $ 92,000 | $ 76,000 |
| Franklin County Kentucky | 3 | $ 440,000 | $ 146,000 | $ 87,000 |
| Jessamine County Kentucky | 3 | $ 805,000 | $ 268,000 | $ 120,000 |
| Owen County Kentucky | 3 | $ 350,000 | $ 116,000 | $ 132,000 |
| Defiance County Ohio | 3 | $ 254,000 | $ 84,000 | $ 84,000 |
| Guernsey County Ohio | 3 | $ 318,000 | $ 106,000 | $ 54,000 |
| Hardin County Ohio | 3 | $ 284,000 | $ 94,000 | $ 54,000 |
| Holmes County Ohio | 3 | $ 467,000 | $ 155,000 | $ 86,000 |
| Portage County Ohio | 3 | $ 501,000 | $ 167,000 | $ 81,000 |
| Tuscarawas County Ohio | 3 | $ 301,000 | $ 100,000 | $ 47,000 |
| Williamson County Tennessee | 3 | $ 901,000 | $ 300,000 | $ 146,000 |
| Ventura County California | 2 | $ 1,000,000 | $ 500,000 | $ 378,000 |
| Sussex County Delaware | 2 | $ 422,000 | $ 211,000 | $ 77,000 |
| Monroe County Florida | 2 | $ 393,000 | $ 196,000 | $ 263,000 |
| Okaloosa County Florida | 2 | $ 802,000 | $ 401,000 | $ 165,000 |
| Palm Beach County Florida | 2 | $ 595,000 | $ 297,000 | $ 252,000 |
| Sumter County Florida | 2 | $ 218,000 | $ 109,000 | $ 49,000 |
| Fayette County Indiana | 2 | $ 543,000 | $ 271,000 | $ 150,000 |
| Knox County Indiana | 2 | $ 374,000 | $ 187,000 | $ 66,000 |
| LaPorte County Indiana | 2 | $ 242,000 | $ 121,000 | $ 107,000 |
| Marshall County Indiana | 2 | $ 789,000 | $ 394,000 | $ 146,000 |
| Martin County Indiana | 2 | $ 148,000 | $ 74,000 | $ 35,000 |
| Starke County Indiana | 2 | $ 191,000 | $ 95,000 | $ 22,000 |
| Gallatin County Kentucky | 2 | $ 139,000 | $ 69,000 | $ 79,000 |
| Laurel County Kentucky | 2 | $ 195,000 | $ 97,000 | $ 266,000 |
| Russell County Kentucky | 2 | $ 347,000 | $ 173,000 | $ 210,000 |
| Woodford County Kentucky | 2 | $ 308,000 | $ 154,000 | $ 58,000 |
| Knox County Maine | 2 | $ 550,000 | $ 275,000 | $ 0 |
| Charlevoix County Michigan | 2 | $ 499,000 | $ 249,000 | $ 171,000 |
| Leelanau County Michigan | 2 | $ 1,487,000 | $ 743,000 | $ 0 |
| Oakland County Michigan | 2 | $ 429,000 | $ 214,000 | $ 189,000 |
| Hillsborough County New Hampshire | 2 | $ 602,000 | $ 301,000 | $ 483,000 |
| Brunswick County North Carolina | 2 | $ 597,000 | $ 298,000 | $ 260,000 |
| Columbiana County Ohio | 2 | $ 488,000 | $ 244,000 | $ 102,000 |
| Coshocton County Ohio | 2 | $ 272,000 | $ 136,000 | $ 85,000 |
| Geauga County Ohio | 2 | $ 239,000 | $ 119,000 | $ 90,000 |
| Jackson County Ohio | 2 | $ 166,000 | $ 83,000 | $ 113,000 |
| Monroe County Ohio | 2 | $ 263,000 | $ 131,000 | $ 112,000 |
| Putnam County Ohio | 2 | $ 185,000 | $ 92,000 | $ 69,000 |
| Sandusky County Ohio | 2 | $ 271,000 | $ 135,000 | $ 111,000 |
| Trumbull County Ohio | 2 | $ 282,000 | $ 141,000 | $ 74,000 |
| Van Wert County Ohio | 2 | $ 293,000 | $ 146,000 | $ 94,000 |
| Wyandot County Ohio | 2 | $ 321,000 | $ 160,000 | $ 94,000 |
| Beaufort County South Carolina | 2 | $ 619,000 | $ 309,000 | $ 209,000 |
| Knox County Tennessee | 2 | $ 399,000 | $ 199,000 | $ 112,000 |
| Roane County Tennessee | 2 | $ 245,000 | $ 122,000 | $ 52,000 |
| Rutherford County Tennessee | 2 | $ 374,000 | $ 187,000 | $ 41,000 |
| Sevier County Tennessee | 2 | $ 213,000 | $ 106,000 | $ 110,000 |
| Virginia Beach County Virginia | 2 | $ 489,000 | $ 244,000 | $ 152,000 |
| Autauga County Alabama | 1 | $ 152,000 | $ 152,000 | $ 102,000 |
| Baldwin County Alabama | 1 | $ 58,000 | $ 58,000 | $ 174,000 |
| Colbert County Alabama | 1 | $ 149,000 | $ 149,000 | $ 76,000 |
| Pinal County Arizona | 1 | $ 245,000 | $ 245,000 | $ 242,000 |
| El Dorado County California | 1 | $ 320,000 | $ 320,000 | $ 319,000 |
| Riverside County California | 1 | $ 174,000 | $ 174,000 | $ 133,000 |
| San Bernardino County California | 1 | $ 253,000 | $ 253,000 | $ 0 |
| Eagle County Colorado | 1 | $ 275,000 | $ 275,000 | $ 192,000 |
| Huerfano County Colorado | 1 | $ 417,000 | $ 417,000 | $ 537,000 |
| Jefferson County Colorado | 1 | $ 296,000 | $ 296,000 | $ 0 |
| Park County Colorado | 1 | $ 251,000 | $ 251,000 | $ 42,000 |
| Pueblo County Colorado | 1 | $ 86,000 | $ 86,000 | $ 38,000 |
| New Castle County Delaware | 1 | $ 232,000 | $ 232,000 | $ 44,000 |
| District of Columbia County District Of Columbia | 1 | $ 417,000 | $ 417,000 | $ 131,000 |
| Brevard County Florida | 1 | $ 183,000 | $ 183,000 | $ 146,000 |
| Citrus County Florida | 1 | $ 122,000 | $ 122,000 | $ 97,000 |
| Indian River County Florida | 1 | $ 91,000 | $ 91,000 | $ 0 |
| Manatee County Florida | 1 | $ 213,000 | $ 213,000 | $ 342,000 |
| Marion County Florida | 1 | $ 275,000 | $ 275,000 | $ 63,000 |
| Miami-Dade County Florida | 1 | $ 89,000 | $ 89,000 | $ 143,000 |
| Walton County Florida | 1 | $ 200,000 | $ 200,000 | $ 297,000 |
| Cobb County Georgia | 1 | $ 162,000 | $ 162,000 | $ 124,000 |
| Fulton County Georgia | 1 | $ 316,000 | $ 316,000 | $ 94,000 |
| Morgan County Georgia | 1 | $ 165,000 | $ 165,000 | $ 100,000 |
| DuPage County Illinois | 1 | $ 220,000 | $ 220,000 | $ 65,000 |
| McHenry County Illinois | 1 | $ 147,000 | $ 147,000 | $ 96,000 |
| Will County Illinois | 1 | $ 166,000 | $ 166,000 | $ 61,000 |
| Blackford County Indiana | 1 | $ 183,000 | $ 183,000 | $ 63,000 |
| Cass County Indiana | 1 | $ 79,000 | $ 79,000 | $ 61,000 |
| Huntington County Indiana | 1 | $ 96,000 | $ 96,000 | $ 41,000 |
| Jay County Indiana | 1 | $ 186,000 | $ 186,000 | $ 66,000 |
| Newton County Indiana | 1 | $ 100,000 | $ 100,000 | $ 73,000 |
| Perry County Indiana | 1 | $ 72,000 | $ 72,000 | $ 45,000 |
| Randolph County Indiana | 1 | $ 85,000 | $ 85,000 | $ 115,000 |
| Sullivan County Indiana | 1 | $ 91,000 | $ 91,000 | $ 46,000 |
| Vermillion County Indiana | 1 | $ 145,000 | $ 145,000 | $ 138,000 |
| Jefferson County Iowa | 1 | $ 70,000 | $ 70,000 | $ 120,000 |
| Anderson County Kentucky | 1 | $ 48,000 | $ 48,000 | $ 79,000 |
| Boyd County Kentucky | 1 | $ 274,000 | $ 274,000 | $ 125,000 |
| Bullitt County Kentucky | 1 | $ 255,000 | $ 255,000 | $ 0 |
| Clark County Kentucky | 1 | $ 162,000 | $ 162,000 | $ 75,000 |
| Cumberland County Kentucky | 1 | $ 100,000 | $ 100,000 | $ 61,000 |
| Fleming County Kentucky | 1 | $ 60,000 | $ 60,000 | $ 46,000 |
| Menifee County Kentucky | 1 | $ 87,000 | $ 87,000 | $ 149,000 |
| Mercer County Kentucky | 1 | $ 123,000 | $ 123,000 | $ 0 |
| Nelson County Kentucky | 1 | $ 126,000 | $ 126,000 | $ 45,000 |
| Shelby County Kentucky | 1 | $ 179,000 | $ 179,000 | $ 112,000 |
| Spencer County Kentucky | 1 | $ 202,000 | $ 202,000 | $ 109,000 |
| East Baton Rouge County Louisiana | 1 | $ 104,000 | $ 104,000 | $ 134,000 |
| Cumberland County Maine | 1 | $ 413,000 | $ 413,000 | $ 526,000 |
| Piscataquis County Maine | 1 | $ 80,000 | $ 80,000 | $ 32,000 |
| Anne Arundel County Maryland | 1 | $ 750,000 | $ 750,000 | $ 150,000 |
| Charles County Maryland | 1 | $ 264,000 | $ 264,000 | $ 0 |
| Barnstable County Massachusetts | 1 | $ 393,000 | $ 393,000 | $ 424,000 |
| Alpena County Michigan | 1 | $ 155,000 | $ 155,000 | $ 375,000 |
| Antrim County Michigan | 1 | $ 81,000 | $ 81,000 | $ 123,000 |
| Hillsdale County Michigan | 1 | $ 136,000 | $ 136,000 | $ 386,000 |
| Mason County Michigan | 1 | $ 349,000 | $ 349,000 | $ 818,000 |
| Presque Isle County Michigan | 1 | $ 190,000 | $ 190,000 | $ 109,000 |
| Van Buren County Michigan | 1 | $ 369,000 | $ 369,000 | $ 121,000 |
| Washtenaw County Michigan | 1 | $ 392,000 | $ 392,000 | $ 0 |
| St. Louis County Missouri | 1 | $ 220,000 | $ 220,000 | $ 116,000 |
| Flathead County Montana | 1 | $ 255,000 | $ 255,000 | $ 0 |
| Clark County Nevada | 1 | $ 239,000 | $ 239,000 | $ 0 |
| Washoe County Nevada | 1 | $ 200,000 | $ 200,000 | $ 90,000 |
| Cape May County New Jersey | 1 | $ 530,000 | $ 530,000 | $ 244,000 |
| Warren County New Jersey | 1 | $ 114,000 | $ 114,000 | $ 39,000 |
| Sandoval County New Mexico | 1 | $ 342,000 | $ 342,000 | $ 251,000 |
| Onondaga County New York | 1 | $ 101,000 | $ 101,000 | $ 127,000 |
| Queens County New York | 1 | $ 120,000 | $ 120,000 | $ 54,000 |
| Avery County North Carolina | 1 | $ 417,000 | $ 417,000 | $ 285,000 |
| Carteret County North Carolina | 1 | $ 400,000 | $ 400,000 | $ 178,000 |
| Catawba County North Carolina | 1 | $ 417,000 | $ 417,000 | $ 365,000 |
| Forsyth County North Carolina | 1 | $ 406,000 | $ 406,000 | $ 623,000 |
| Guilford County North Carolina | 1 | $ 234,000 | $ 234,000 | $ 49,000 |
| Haywood County North Carolina | 1 | $ 356,000 | $ 356,000 | $ 975,000 |
| Henderson County North Carolina | 1 | $ 236,000 | $ 236,000 | $ 170,000 |
| Mecklenburg County North Carolina | 1 | $ 173,000 | $ 173,000 | $ 43,000 |
| Moore County North Carolina | 1 | $ 750,000 | $ 750,000 | $ 247,000 |
| Ashland County Ohio | 1 | $ 81,000 | $ 81,000 | $ 54,000 |
| Carroll County Ohio | 1 | $ 222,000 | $ 222,000 | $ 149,000 |
| Harrison County Ohio | 1 | $ 150,000 | $ 150,000 | $ 105,000 |
| Henry County Ohio | 1 | $ 151,000 | $ 151,000 | $ 62,000 |
| Lawrence County Ohio | 1 | $ 48,000 | $ 48,000 | $ 95,000 |
| Mahoning County Ohio | 1 | $ 192,000 | $ 192,000 | $ 130,000 |
| Pike County Ohio | 1 | $ 140,000 | $ 140,000 | $ 104,000 |
| Seneca County Ohio | 1 | $ 139,000 | $ 139,000 | $ 87,000 |
| Washington County Oklahoma | 1 | $ 148,000 | $ 148,000 | $ 100,000 |
| Allegheny County Pennsylvania | 1 | $ 121,000 | $ 121,000 | $ 94,000 |
| Cambria County Pennsylvania | 1 | $ 66,000 | $ 66,000 | $ 22,000 |
| Cumberland County Pennsylvania | 1 | $ 146,000 | $ 146,000 | $ 136,000 |
| Delaware County Pennsylvania | 1 | $ 144,000 | $ 144,000 | $ 616,000 |
| Mercer County Pennsylvania | 1 | $ 147,000 | $ 147,000 | $ 74,000 |
| Laurens County South Carolina | 1 | $ 200,000 | $ 200,000 | $ 106,000 |
| Oconee County South Carolina | 1 | $ 411,000 | $ 411,000 | $ 0 |
| Richland County South Carolina | 1 | $ 120,000 | $ 120,000 | $ 53,000 |
| Spartanburg County South Carolina | 1 | $ 433,000 | $ 433,000 | $ 176,000 |
| Cumberland County Tennessee | 1 | $ 90,000 | $ 90,000 | $ 94,000 |
| Davidson County Tennessee | 1 | $ 136,000 | $ 136,000 | $ 80,000 |
| Dyer County Tennessee | 1 | $ 141,000 | $ 141,000 | $ 65,000 |
| Jefferson County Tennessee | 1 | $ 170,000 | $ 170,000 | $ 72,000 |
| Union County Tennessee | 1 | $ 395,000 | $ 395,000 | $ 275,000 |
| Bexar County Texas | 1 | $ 270,000 | $ 270,000 | $ 113,000 |
| Harris County Texas | 1 | $ 131,000 | $ 131,000 | $ 101,000 |
| Tarrant County Texas | 1 | $ 230,000 | $ 230,000 | $ 0 |
| Wood County Texas | 1 | $ 91,000 | $ 91,000 | $ 75,000 |
| Alexandria County Virginia | 1 | $ 297,000 | $ 297,000 | $ 92,000 |
| Arlington County Virginia | 1 | $ 380,000 | $ 380,000 | $ 237,000 |
| Fairfax County Virginia | 1 | $ 1,339,000 | $ 1,339,000 | $ 274,000 |
| Frederick County Virginia | 1 | $ 397,000 | $ 397,000 | $ 0 |
| Doddridge County West Virginia | 1 | $ 63,000 | $ 63,000 | $ 150,000 |
Mortgage Loan Application Detail Totals for Union Savings Bank in 2012
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 | 41,385 | $6,650,867,000 | $160,000 | $3,100,000 | $98,000 | $9,999,000 |
| Home Purchase | 5,253 | $877,981,000 | $167,000 | $3,700,000 | $96,000 | $4,030,000 |
| Home Improvement | 278 | $40,068,000 | $144,000 | $417,000 | $98,000 | $523,000 |
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 | 38,473 | $6,097,089,000 | $158,000 | $3,700,000 | $99,000 | $9,999,000 |
| Not Provided | 4,402 | $741,446,000 | $168,000 | $2,520,000 | $103,000 | $1,686,000 |
| Asian | 1,975 | $368,692,000 | $186,000 | $2,100,000 | $116,000 | $1,033,000 |
| Not applicable | 1,108 | $212,134,000 | $191,000 | $2,250,000 | $0 | $176,000 |
| Black or African American | 584 | $85,350,000 | $146,000 | $1,540,000 | $78,000 | $704,000 |
| Hispanic | 284 | $49,151,000 | $173,000 | $1,070,000 | $104,000 | $509,000 |
| American Indian or Alaskan Native | 56 | $9,315,000 | $166,000 | $373,000 | $101,000 | $526,000 |
| Native Hawaiian or Other Pacific Islander | 34 | $5,739,000 | $168,000 | $369,000 | $85,000 | $198,000 |
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) | 42,917 | $6,993,434,000 | $162,000 | $3,700,000 | $103,000 | $9,999,000 |
| FHA-insured (Federal Housing Administration) | 3,310 | $454,705,000 | $137,000 | $419,000 | $36,000 | $592,000 |
| VA-guaranteed (Veterans Administration) | 540 | $101,969,000 | $188,000 | $518,000 | $45,000 | $373,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 149 | $18,808,000 | $126,000 | $209,000 | $46,000 | $107,000 |
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 | 36,688 | $5,908,680,000 | $161,000 | $3,700,000 | $101,000 | $9,999,000 |
| Application Denied By Financial Institution | 7,951 | $1,289,586,000 | $162,000 | $1,500,000 | $84,000 | $1,459,000 |
| Application Withdrawn By Applicant | 1,825 | $298,966,000 | $163,000 | $2,100,000 | $91,000 | $800,000 |
| Application Approved But Not Accepted | 432 | $68,502,000 | $158,000 | $3,100,000 | $92,000 | $903,000 |
| Loan Purchased By The Institution | 20 | $3,182,000 | $159,000 | $391,000 | $0 | $0 |
| Preapproval Approved but not Accepted | 0 | $0 | $0 | $0 | $0 | $0 |
| Preapproval Denied by Financial Institution | 0 | $0 | $0 | $0 | $0 | $0 |
| File Closed For Incompleteness | 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 | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit History | 0 | $0 | $0 | $0 | $0 | $0 |
| Debt-To-Income Ratio | 0 | $0 | $0 | $0 | $0 | $0 |
| Employment History | 0 | $0 | $0 | $0 | $0 | $0 |
| Insufficient Cash (Downpayment, Closing Cost) | 0 | $0 | $0 | $0 | $0 | $0 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
| Other | 0 | $0 | $0 | $0 | $0 | $0 |
| Unverifiable Information | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Union Savings Bank's 2012 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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with aggregated HMDA statistics today.