Union Savings Bank
HMDA Loan Application Totals
and Mortgage Lending Details
for 2015
Union Savings Bank 2015 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 | 22,737 |
| Total Mortgage Loan Application Amount | $4,066,388,000 |
| Average Mortgage Loan Application Amount | $177,000 |
| Highest Mortgage Loan Application Amount | $8,000,000 |
| Average Applicant Income | $105,333 |
| Highest Applicant Income | $2,102,000 |
Explore comprehensive HMDA mortgage statistics and lending trends for 2015 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 2015 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 2015.
| County | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loans Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Franklin County Ohio | 3,236 | $ 587,696,000 | $ 181,000 | $ 101,000 |
| Hamilton County Ohio | 2,800 | $ 547,758,000 | $ 195,000 | $ 115,000 |
| Montgomery County Ohio | 2,387 | $ 343,944,000 | $ 144,000 | $ 87,000 |
| Warren County Ohio | 1,711 | $ 340,186,000 | $ 198,000 | $ 111,000 |
| Butler County Ohio | 1,558 | $ 255,825,000 | $ 164,000 | $ 97,000 |
| Marion County Indiana | 1,526 | $ 234,708,000 | $ 153,000 | $ 94,000 |
| Hamilton County Indiana | 1,419 | $ 295,496,000 | $ 208,000 | $ 121,000 |
| Delaware County Ohio | 1,025 | $ 241,361,000 | $ 235,000 | $ 126,000 |
| Greene County Ohio | 774 | $ 139,709,000 | $ 180,000 | $ 95,000 |
| Clermont County Ohio | 705 | $ 121,401,000 | $ 172,000 | $ 99,000 |
| Miami County Ohio | 506 | $ 76,983,000 | $ 152,000 | $ 83,000 |
| Allen County Indiana | 451 | $ 62,628,000 | $ 138,000 | $ 80,000 |
| Johnson County Indiana | 426 | $ 74,146,000 | $ 174,000 | $ 92,000 |
| Fairfield County Ohio | 398 | $ 62,409,000 | $ 156,000 | $ 80,000 |
| Hendricks County Indiana | 373 | $ 63,798,000 | $ 171,000 | $ 102,000 |
| Bartholomew County Indiana | 303 | $ 51,400,000 | $ 169,000 | $ 94,000 |
| Licking County Ohio | 217 | $ 37,928,000 | $ 174,000 | $ 96,000 |
| Union County Ohio | 196 | $ 44,372,000 | $ 226,000 | $ 117,000 |
| Campbell County Kentucky | 175 | $ 27,308,000 | $ 156,000 | $ 94,000 |
| Kenton County Kentucky | 172 | $ 31,711,000 | $ 184,000 | $ 106,000 |
| Boone County Indiana | 169 | $ 40,271,000 | $ 238,000 | $ 134,000 |
| Hancock County Indiana | 167 | $ 27,095,000 | $ 162,000 | $ 97,000 |
| Boone County Kentucky | 141 | $ 25,248,000 | $ 179,000 | $ 94,000 |
| Clark County Ohio | 114 | $ 15,034,000 | $ 131,000 | $ 73,000 |
| Madison County Ohio | 91 | $ 15,005,000 | $ 164,000 | $ 79,000 |
| Monroe County Indiana | 74 | $ 11,466,000 | $ 154,000 | $ 100,000 |
| Madison County Indiana | 71 | $ 8,870,000 | $ 124,000 | $ 74,000 |
| Pickaway County Ohio | 70 | $ 10,717,000 | $ 153,000 | $ 78,000 |
| Morgan County Indiana | 68 | $ 12,431,000 | $ 182,000 | $ 98,000 |
| Shelby County Ohio | 65 | $ 9,003,000 | $ 138,000 | $ 84,000 |
| Clinton County Ohio | 54 | $ 9,793,000 | $ 181,000 | $ 89,000 |
| Dearborn County Indiana | 51 | $ 9,139,000 | $ 179,000 | $ 94,000 |
| Brown County Ohio | 47 | $ 6,894,000 | $ 146,000 | $ 110,000 |
| Preble County Ohio | 46 | $ 5,152,000 | $ 112,000 | $ 66,000 |
| Champaign County Ohio | 43 | $ 5,475,000 | $ 127,000 | $ 63,000 |
| Logan County Ohio | 43 | $ 7,078,000 | $ 164,000 | $ 108,000 |
| Shelby County Indiana | 42 | $ 6,897,000 | $ 164,000 | $ 96,000 |
| Knox County Ohio | 37 | $ 4,913,000 | $ 132,000 | $ 110,000 |
| Brown County Indiana | 36 | $ 6,319,000 | $ 175,000 | $ 124,000 |
| Hocking County Ohio | 34 | $ 4,143,000 | $ 121,000 | $ 101,000 |
| Whitley County Indiana | 33 | $ 4,693,000 | $ 142,000 | $ 59,000 |
| Darke County Ohio | 33 | $ 4,366,000 | $ 132,000 | $ 78,000 |
| Howard County Indiana | 28 | $ 3,327,000 | $ 118,000 | $ 85,000 |
| Perry County Ohio | 23 | $ 3,477,000 | $ 151,000 | $ 85,000 |
| Morrow County Ohio | 22 | $ 3,100,000 | $ 140,000 | $ 70,000 |
| Ross County Ohio | 21 | $ 2,378,000 | $ 113,000 | $ 80,000 |
| Putnam County Indiana | 20 | $ 3,792,000 | $ 189,000 | $ 137,000 |
| DeKalb County Indiana | 19 | $ 2,305,000 | $ 121,000 | $ 67,000 |
| Kosciusko County Indiana | 18 | $ 3,141,000 | $ 174,000 | $ 97,000 |
| Tippecanoe County Indiana | 18 | $ 2,601,000 | $ 144,000 | $ 79,000 |
| Huntington County Indiana | 16 | $ 2,313,000 | $ 144,000 | $ 78,000 |
| Fayette County Ohio | 16 | $ 3,005,000 | $ 187,000 | $ 110,000 |
| Orange County California | 15 | $ 11,952,000 | $ 796,000 | $ 251,000 |
| Delaware County Indiana | 15 | $ 2,076,000 | $ 138,000 | $ 73,000 |
| Franklin County Indiana | 14 | $ 2,037,000 | $ 145,000 | $ 100,000 |
| Lee County Florida | 13 | $ 3,892,000 | $ 299,000 | $ 156,000 |
| Jackson County Indiana | 13 | $ 1,787,000 | $ 137,000 | $ 83,000 |
| Jefferson County Kentucky | 13 | $ 3,470,000 | $ 266,000 | $ 101,000 |
| Highland County Ohio | 13 | $ 1,504,000 | $ 115,000 | $ 130,000 |
| Steuben County Indiana | 12 | $ 1,915,000 | $ 159,000 | $ 148,000 |
| Marion County Ohio | 12 | $ 1,871,000 | $ 155,000 | $ 161,000 |
| Wells County Indiana | 11 | $ 1,184,000 | $ 107,000 | $ 60,000 |
| Auglaize County Ohio | 11 | $ 1,518,000 | $ 138,000 | $ 80,000 |
| Collier County Florida | 10 | $ 3,079,000 | $ 307,000 | $ 246,000 |
| Montgomery County Indiana | 10 | $ 1,231,000 | $ 123,000 | $ 60,000 |
| Owen County Indiana | 10 | $ 1,691,000 | $ 169,000 | $ 92,000 |
| Tipton County Indiana | 10 | $ 1,374,000 | $ 137,000 | $ 75,000 |
| Grant County Kentucky | 10 | $ 2,057,000 | $ 205,000 | $ 107,000 |
| Cuyahoga County Ohio | 10 | $ 2,297,000 | $ 229,000 | $ 79,000 |
| Richland County Ohio | 10 | $ 1,579,000 | $ 157,000 | $ 105,000 |
| Sarasota County Florida | 9 | $ 2,706,000 | $ 300,000 | $ 89,000 |
| Henry County Indiana | 9 | $ 1,463,000 | $ 162,000 | $ 95,000 |
| Fayette County Kentucky | 9 | $ 1,381,000 | $ 153,000 | $ 103,000 |
| Hancock County Ohio | 9 | $ 1,470,000 | $ 163,000 | $ 104,000 |
| Palm Beach County Florida | 8 | $ 2,888,000 | $ 361,000 | $ 321,000 |
| Jennings County Indiana | 8 | $ 1,229,000 | $ 153,000 | $ 78,000 |
| Scott County Kentucky | 8 | $ 1,451,000 | $ 181,000 | $ 155,000 |
| Noble County Indiana | 7 | $ 986,000 | $ 140,000 | $ 59,000 |
| Pendleton County Kentucky | 7 | $ 616,000 | $ 88,000 | $ 66,000 |
| Athens County Ohio | 7 | $ 930,000 | $ 132,000 | $ 83,000 |
| Mercer County Ohio | 7 | $ 1,039,000 | $ 148,000 | $ 105,000 |
| Muskingum County Ohio | 7 | $ 915,000 | $ 130,000 | $ 50,000 |
| Stark County Ohio | 7 | $ 918,000 | $ 131,000 | $ 82,000 |
| Summit County Ohio | 7 | $ 978,000 | $ 139,000 | $ 85,000 |
| Campbell County Tennessee | 7 | $ 1,988,000 | $ 284,000 | $ 262,000 |
| Floyd County Indiana | 6 | $ 1,030,000 | $ 171,000 | $ 35,000 |
| Vigo County Indiana | 6 | $ 518,000 | $ 86,000 | $ 71,000 |
| Adams County Ohio | 6 | $ 651,000 | $ 108,000 | $ 70,000 |
| Ashland County Ohio | 6 | $ 473,000 | $ 78,000 | $ 137,000 |
| Lucas County Ohio | 6 | $ 2,939,000 | $ 489,000 | $ 110,000 |
| Medina County Ohio | 6 | $ 813,000 | $ 135,000 | $ 70,000 |
| Wayne County Ohio | 6 | $ 802,000 | $ 133,000 | $ 70,000 |
| Los Angeles County California | 5 | $ 7,825,000 | $ 1,565,000 | $ 594,000 |
| Indian River County Florida | 5 | $ 1,539,000 | $ 307,000 | $ 232,000 |
| Clark County Indiana | 5 | $ 653,000 | $ 130,000 | $ 79,000 |
| Fayette County Indiana | 5 | $ 385,000 | $ 77,000 | $ 66,000 |
| Porter County Indiana | 5 | $ 805,000 | $ 161,000 | $ 86,000 |
| St. Joseph County Indiana | 5 | $ 664,000 | $ 132,000 | $ 78,000 |
| Vanderburgh County Indiana | 5 | $ 622,000 | $ 124,000 | $ 68,000 |
| White County Indiana | 5 | $ 542,000 | $ 108,000 | $ 116,000 |
| Beaufort County South Carolina | 5 | $ 1,412,000 | $ 282,000 | $ 443,000 |
| Cook County Illinois | 4 | $ 939,000 | $ 234,000 | $ 148,000 |
| Adams County Indiana | 4 | $ 698,000 | $ 174,000 | $ 77,000 |
| Clay County Indiana | 4 | $ 614,000 | $ 153,000 | $ 95,000 |
| Greene County Indiana | 4 | $ 392,000 | $ 98,000 | $ 69,000 |
| Lawrence County Indiana | 4 | $ 642,000 | $ 160,000 | $ 85,000 |
| Miami County Indiana | 4 | $ 581,000 | $ 145,000 | $ 59,000 |
| Rush County Indiana | 4 | $ 479,000 | $ 119,000 | $ 86,000 |
| Wayne County Indiana | 4 | $ 454,000 | $ 113,000 | $ 75,000 |
| Jessamine County Kentucky | 4 | $ 939,000 | $ 234,000 | $ 95,000 |
| Mason County Kentucky | 4 | $ 574,000 | $ 143,000 | $ 84,000 |
| Maricopa County Arizona | 3 | $ 1,868,000 | $ 622,000 | $ 45,000 |
| Broward County Florida | 3 | $ 698,000 | $ 232,000 | $ 258,000 |
| Charlotte County Florida | 3 | $ 453,000 | $ 151,000 | $ 99,000 |
| Cass County Indiana | 3 | $ 341,000 | $ 113,000 | $ 86,000 |
| Decatur County Indiana | 3 | $ 1,097,000 | $ 365,000 | $ 33,000 |
| Fountain County Indiana | 3 | $ 281,000 | $ 93,000 | $ 57,000 |
| Jefferson County Indiana | 3 | $ 494,000 | $ 164,000 | $ 80,000 |
| LaGrange County Indiana | 3 | $ 602,000 | $ 200,000 | $ 87,000 |
| Parke County Indiana | 3 | $ 225,000 | $ 75,000 | $ 112,000 |
| Union County Indiana | 3 | $ 265,000 | $ 88,000 | $ 41,000 |
| Clark County Nevada | 3 | $ 857,000 | $ 285,000 | $ 77,000 |
| Union County North Carolina | 3 | $ 1,001,000 | $ 333,000 | $ 77,000 |
| Lake County Ohio | 3 | $ 488,000 | $ 162,000 | $ 88,000 |
| Lorain County Ohio | 3 | $ 498,000 | $ 166,000 | $ 105,000 |
| Morgan County Ohio | 3 | $ 575,000 | $ 191,000 | $ 73,000 |
| Tuscarawas County Ohio | 3 | $ 335,000 | $ 111,000 | $ 84,000 |
| Van Wert County Ohio | 3 | $ 377,000 | $ 125,000 | $ 63,000 |
| Davidson County Tennessee | 3 | $ 570,000 | $ 190,000 | $ 206,000 |
| San Diego County California | 2 | $ 8,595,000 | $ 4,297,000 | $ 140,000 |
| Monroe County Florida | 2 | $ 382,000 | $ 191,000 | $ 143,000 |
| Orange County Florida | 2 | $ 630,000 | $ 315,000 | $ 214,000 |
| Sumter County Florida | 2 | $ 527,000 | $ 263,000 | $ 63,000 |
| Blaine County Idaho | 2 | $ 4,400,000 | $ 2,200,000 | $ 1,228,000 |
| Clinton County Indiana | 2 | $ 252,000 | $ 126,000 | $ 83,000 |
| Grant County Indiana | 2 | $ 293,000 | $ 146,000 | $ 47,000 |
| Ripley County Indiana | 2 | $ 206,000 | $ 103,000 | $ 24,000 |
| Starke County Indiana | 2 | $ 273,000 | $ 136,000 | $ 95,000 |
| Bracken County Kentucky | 2 | $ 300,000 | $ 150,000 | $ 78,000 |
| Madison County Kentucky | 2 | $ 896,000 | $ 448,000 | $ 174,000 |
| Wayne County Kentucky | 2 | $ 169,000 | $ 84,000 | $ 139,000 |
| Woodford County Kentucky | 2 | $ 194,000 | $ 97,000 | $ 48,000 |
| Antrim County Michigan | 2 | $ 298,000 | $ 149,000 | $ 67,000 |
| Leelanau County Michigan | 2 | $ 734,000 | $ 367,000 | $ 402,000 |
| Mason County Michigan | 2 | $ 397,000 | $ 198,000 | $ 370,000 |
| Oakland County Michigan | 2 | $ 302,000 | $ 151,000 | $ 102,000 |
| Suffolk County New York | 2 | $ 835,000 | $ 417,000 | $ 769,000 |
| Wake County North Carolina | 2 | $ 467,000 | $ 233,000 | $ 300,000 |
| Allen County Ohio | 2 | $ 213,000 | $ 106,000 | $ 55,000 |
| Coshocton County Ohio | 2 | $ 248,000 | $ 124,000 | $ 62,000 |
| Erie County Ohio | 2 | $ 190,000 | $ 95,000 | $ 71,000 |
| Hardin County Ohio | 2 | $ 150,000 | $ 75,000 | $ 188,000 |
| Ottawa County Ohio | 2 | $ 432,000 | $ 216,000 | $ 121,000 |
| Paulding County Ohio | 2 | $ 210,000 | $ 105,000 | $ 0 |
| Seneca County Ohio | 2 | $ 332,000 | $ 166,000 | $ 138,000 |
| Vinton County Ohio | 2 | $ 247,000 | $ 123,000 | $ 84,000 |
| Cumberland County Tennessee | 2 | $ 224,000 | $ 112,000 | $ 57,000 |
| Williamson County Tennessee | 2 | $ 581,000 | $ 290,000 | $ 55,000 |
| Lee County Alabama | 1 | $ 134,000 | $ 134,000 | $ 124,000 |
| St. Clair County Alabama | 1 | $ 138,000 | $ 138,000 | $ 50,000 |
| Pinal County Arizona | 1 | $ 330,000 | $ 330,000 | $ 186,000 |
| Washington County Arkansas | 1 | $ 145,000 | $ 145,000 | $ 283,000 |
| Sonoma County California | 1 | $ 360,000 | $ 360,000 | $ 222,000 |
| Elbert County Colorado | 1 | $ 212,000 | $ 212,000 | $ 110,000 |
| Garfield County Colorado | 1 | $ 215,000 | $ 215,000 | $ 300,000 |
| New London County Connecticut | 1 | $ 417,000 | $ 417,000 | $ 359,000 |
| Citrus County Florida | 1 | $ 53,000 | $ 53,000 | $ 18,000 |
| Okaloosa County Florida | 1 | $ 287,000 | $ 287,000 | $ 138,000 |
| Pinellas County Florida | 1 | $ 275,000 | $ 275,000 | $ 0 |
| Polk County Florida | 1 | $ 216,000 | $ 216,000 | $ 137,000 |
| St. Johns County Florida | 1 | $ 147,000 | $ 147,000 | $ 172,000 |
| St. Lucie County Florida | 1 | $ 174,000 | $ 174,000 | $ 114,000 |
| Volusia County Florida | 1 | $ 250,000 | $ 250,000 | $ 91,000 |
| Cobb County Georgia | 1 | $ 277,000 | $ 277,000 | $ 130,000 |
| DeKalb County Georgia | 1 | $ 174,000 | $ 174,000 | $ 65,000 |
| Fayette County Georgia | 1 | $ 97,000 | $ 97,000 | $ 138,000 |
| Putnam County Georgia | 1 | $ 350,000 | $ 350,000 | $ 0 |
| Towns County Georgia | 1 | $ 100,000 | $ 100,000 | $ 57,000 |
| Kane County Illinois | 1 | $ 575,000 | $ 575,000 | $ 279,000 |
| Will County Illinois | 1 | $ 338,000 | $ 338,000 | $ 0 |
| Elkhart County Indiana | 1 | $ 110,000 | $ 110,000 | $ 40,000 |
| Harrison County Indiana | 1 | $ 107,000 | $ 107,000 | $ 122,000 |
| Jasper County Indiana | 1 | $ 216,000 | $ 216,000 | $ 82,000 |
| Jay County Indiana | 1 | $ 225,000 | $ 225,000 | $ 82,000 |
| Lake County Indiana | 1 | $ 207,000 | $ 207,000 | $ 136,000 |
| Martin County Indiana | 1 | $ 116,000 | $ 116,000 | $ 70,000 |
| Ohio County Indiana | 1 | $ 188,000 | $ 188,000 | $ 99,000 |
| Orange County Indiana | 1 | $ 195,000 | $ 195,000 | $ 58,000 |
| Randolph County Indiana | 1 | $ 70,000 | $ 70,000 | $ 68,000 |
| Sullivan County Indiana | 1 | $ 136,000 | $ 136,000 | $ 75,000 |
| Switzerland County Indiana | 1 | $ 47,000 | $ 47,000 | $ 152,000 |
| Warrick County Indiana | 1 | $ 185,000 | $ 185,000 | $ 141,000 |
| Washington County Indiana | 1 | $ 144,000 | $ 144,000 | $ 141,000 |
| Harrison County Kentucky | 1 | $ 102,000 | $ 102,000 | $ 53,000 |
| Lincoln County Kentucky | 1 | $ 62,000 | $ 62,000 | $ 51,000 |
| Oldham County Kentucky | 1 | $ 150,000 | $ 150,000 | $ 124,000 |
| Owen County Kentucky | 1 | $ 95,000 | $ 95,000 | $ 475,000 |
| Pulaski County Kentucky | 1 | $ 182,000 | $ 182,000 | $ 173,000 |
| Knox County Maine | 1 | $ 150,000 | $ 150,000 | $ 0 |
| Baltimore City County Maryland | 1 | $ 214,000 | $ 214,000 | $ 200,000 |
| Branch County Michigan | 1 | $ 204,000 | $ 204,000 | $ 575,000 |
| Cheboygan County Michigan | 1 | $ 194,000 | $ 194,000 | $ 183,000 |
| Clinton County Michigan | 1 | $ 180,000 | $ 180,000 | $ 294,000 |
| Delta County Michigan | 1 | $ 300,000 | $ 300,000 | $ 65,000 |
| Genesee County Michigan | 1 | $ 255,000 | $ 255,000 | $ 102,000 |
| Hillsdale County Michigan | 1 | $ 192,000 | $ 192,000 | $ 270,000 |
| Livingston County Michigan | 1 | $ 198,000 | $ 198,000 | $ 131,000 |
| Otsego County Michigan | 1 | $ 193,000 | $ 193,000 | $ 89,000 |
| Scott County Minnesota | 1 | $ 210,000 | $ 210,000 | $ 238,000 |
| St. Louis County Missouri | 1 | $ 417,000 | $ 417,000 | $ 300,000 |
| Sandoval County New Mexico | 1 | $ 124,000 | $ 124,000 | $ 73,000 |
| Brunswick County North Carolina | 1 | $ 160,000 | $ 160,000 | $ 214,000 |
| Chatham County North Carolina | 1 | $ 417,000 | $ 417,000 | $ 243,000 |
| Onslow County North Carolina | 1 | $ 223,000 | $ 223,000 | $ 70,000 |
| Ashtabula County Ohio | 1 | $ 71,000 | $ 71,000 | $ 33,000 |
| Belmont County Ohio | 1 | $ 70,000 | $ 70,000 | $ 35,000 |
| Carroll County Ohio | 1 | $ 118,000 | $ 118,000 | $ 104,000 |
| Crawford County Ohio | 1 | $ 138,000 | $ 138,000 | $ 100,000 |
| Guernsey County Ohio | 1 | $ 80,000 | $ 80,000 | $ 104,000 |
| Huron County Ohio | 1 | $ 210,000 | $ 210,000 | $ 106,000 |
| Mahoning County Ohio | 1 | $ 65,000 | $ 65,000 | $ 68,000 |
| Meigs County Ohio | 1 | $ 97,000 | $ 97,000 | $ 73,000 |
| Portage County Ohio | 1 | $ 215,000 | $ 215,000 | $ 62,000 |
| Putnam County Ohio | 1 | $ 145,000 | $ 145,000 | $ 147,000 |
| Washington County Ohio | 1 | $ 111,000 | $ 111,000 | $ 734,000 |
| Wood County Ohio | 1 | $ 80,000 | $ 80,000 | $ 50,000 |
| Clackamas County Oregon | 1 | $ 294,000 | $ 294,000 | $ 108,000 |
| Deschutes County Oregon | 1 | $ 402,000 | $ 402,000 | $ 167,000 |
| Allegheny County Pennsylvania | 1 | $ 1,136,000 | $ 1,136,000 | $ 267,000 |
| Lancaster County Pennsylvania | 1 | $ 171,000 | $ 171,000 | $ 0 |
| Northampton County Pennsylvania | 1 | $ 195,000 | $ 195,000 | $ 90,000 |
| Anderson County South Carolina | 1 | $ 283,000 | $ 283,000 | $ 87,000 |
| Florence County South Carolina | 1 | $ 201,000 | $ 201,000 | $ 92,000 |
| Oconee County South Carolina | 1 | $ 162,000 | $ 162,000 | $ 140,000 |
| Anderson County Tennessee | 1 | $ 100,000 | $ 100,000 | $ 580,000 |
| Washington County Vermont | 1 | $ 113,000 | $ 113,000 | $ 64,000 |
| Fairfax County Virginia | 1 | $ 200,000 | $ 200,000 | $ 70,000 |
| Isle of Wight County Virginia | 1 | $ 265,000 | $ 265,000 | $ 141,000 |
| Northampton County Virginia | 1 | $ 107,000 | $ 107,000 | $ 99,000 |
| Wood County West Virginia | 1 | $ 260,000 | $ 260,000 | $ 89,000 |
Mortgage Loan Application Detail Totals for Union Savings Bank in 2015
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 | 12,995 | $2,245,731,000 | $172,000 | $5,100,000 | $99,000 | $2,102,000 |
| Home Purchase | 8,439 | $1,598,256,000 | $189,000 | $8,000,000 | $106,000 | $1,980,000 |
| Home Improvement | 1,303 | $222,401,000 | $170,000 | $5,000,000 | $111,000 | $1,695,000 |
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 | 18,606 | $3,211,712,000 | $172,000 | $2,925,000 | $105,000 | $2,102,000 |
| Not Provided | 1,744 | $335,175,000 | $192,000 | $1,753,000 | $109,000 | $1,780,000 |
| Asian | 1,011 | $206,358,000 | $204,000 | $1,175,000 | $119,000 | $674,000 |
| Not applicable | 611 | $191,047,000 | $312,000 | $8,000,000 | $0 | $0 |
| Black or African American | 487 | $73,070,000 | $150,000 | $960,000 | $77,000 | $391,000 |
| Hispanic | 234 | $41,245,000 | $176,000 | $932,000 | $110,000 | $1,695,000 |
| American Indian or Alaskan Native | 28 | $4,665,000 | $166,000 | $404,000 | $84,000 | $224,000 |
| Native Hawaiian or Other Pacific Islander | 16 | $3,116,000 | $194,000 | $403,000 | $112,000 | $407,000 |
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) | 19,904 | $3,634,729,000 | $182,000 | $8,000,000 | $110,000 | $2,102,000 |
| FHA-insured (Federal Housing Administration) | 2,273 | $325,648,000 | $143,000 | $348,000 | $41,000 | $1,980,000 |
| VA-guaranteed (Veterans Administration) | 459 | $92,386,000 | $201,000 | $756,000 | $68,000 | $450,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 101 | $13,625,000 | $134,000 | $378,000 | $51,000 | $108,000 |
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 | 17,608 | $3,183,849,000 | $180,000 | $8,000,000 | $105,000 | $2,102,000 |
| Application Denied By Financial Institution | 3,031 | $520,921,000 | $171,000 | $1,873,000 | $90,000 | $1,780,000 |
| Application Withdrawn By Applicant | 1,827 | $313,368,000 | $171,000 | $882,000 | $100,000 | $1,980,000 |
| Application Approved But Not Accepted | 243 | $43,947,000 | $180,000 | $2,456,000 | $92,000 | $1,228,000 |
| Loan Purchased By The Institution | 28 | $4,303,000 | $153,000 | $414,000 | $107,000 | $266,000 |
| 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 |
|---|---|---|---|---|---|---|
| Debt-To-Income Ratio | 829 | $148,211,000 | $178,000 | $1,120,000 | $67,000 | $391,000 |
| Collateral | 756 | $143,276,000 | $189,000 | $1,873,000 | $117,000 | $1,695,000 |
| Credit Application Incomplete | 604 | $105,686,000 | $174,000 | $1,175,000 | $104,000 | $1,780,000 |
| Credit History | 590 | $83,819,000 | $142,000 | $541,000 | $77,000 | $818,000 |
| Other | 123 | $20,070,000 | $163,000 | $417,000 | $85,000 | $475,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 54 | $9,053,000 | $167,000 | $1,000,000 | $83,000 | $629,000 |
| Unverifiable Information | 35 | $5,476,000 | $156,000 | $293,000 | $69,000 | $231,000 |
| Employment History | 32 | $3,615,000 | $112,000 | $353,000 | $53,000 | $208,000 |
| Mortgage Insurance Denied | 7 | $1,679,000 | $239,000 | $381,000 | $93,000 | $180,000 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Union Savings Bank's 2015 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.