Union Savings Bank
HMDA Loan Application Totals
and Mortgage Lending Details
for 2016
Union Savings Bank 2016 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 | 25,363 |
| Total Mortgage Loan Application Amount | $4,746,487,000 |
| Average Mortgage Loan Application Amount | $185,333 |
| Highest Mortgage Loan Application Amount | $12,500,000 |
| Average Applicant Income | $114,000 |
| Highest Applicant Income | $4,941,000 |
Explore comprehensive HMDA mortgage statistics and lending trends for 2016 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 2016 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 2016.
| 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 | 3,613 | $ 671,104,000 | $ 185,000 | $ 112,000 |
| Hamilton County Ohio | 3,206 | $ 652,082,000 | $ 203,000 | $ 130,000 |
| Montgomery County Ohio | 2,718 | $ 397,048,000 | $ 146,000 | $ 95,000 |
| Warren County Ohio | 2,066 | $ 429,118,000 | $ 207,000 | $ 122,000 |
| Butler County Ohio | 1,743 | $ 292,538,000 | $ 167,000 | $ 104,000 |
| Hamilton County Indiana | 1,556 | $ 341,645,000 | $ 219,000 | $ 132,000 |
| Marion County Indiana | 1,418 | $ 229,074,000 | $ 161,000 | $ 104,000 |
| Delaware County Ohio | 1,337 | $ 332,400,000 | $ 248,000 | $ 138,000 |
| Greene County Ohio | 892 | $ 162,826,000 | $ 182,000 | $ 106,000 |
| Clermont County Ohio | 846 | $ 157,627,000 | $ 186,000 | $ 109,000 |
| Miami County Ohio | 573 | $ 92,648,000 | $ 161,000 | $ 92,000 |
| Allen County Indiana | 552 | $ 82,762,000 | $ 149,000 | $ 93,000 |
| Johnson County Indiana | 475 | $ 86,862,000 | $ 182,000 | $ 105,000 |
| Hendricks County Indiana | 385 | $ 66,143,000 | $ 171,000 | $ 100,000 |
| Fairfield County Ohio | 384 | $ 61,572,000 | $ 160,000 | $ 94,000 |
| Bartholomew County Indiana | 316 | $ 55,199,000 | $ 174,000 | $ 102,000 |
| Licking County Ohio | 238 | $ 40,887,000 | $ 171,000 | $ 97,000 |
| Boone County Indiana | 225 | $ 56,254,000 | $ 250,000 | $ 144,000 |
| Union County Ohio | 201 | $ 53,477,000 | $ 266,000 | $ 134,000 |
| Kenton County Kentucky | 194 | $ 36,023,000 | $ 185,000 | $ 116,000 |
| Hancock County Indiana | 169 | $ 27,379,000 | $ 162,000 | $ 104,000 |
| Boone County Kentucky | 148 | $ 27,417,000 | $ 185,000 | $ 108,000 |
| Clark County Ohio | 141 | $ 18,730,000 | $ 132,000 | $ 80,000 |
| Campbell County Kentucky | 137 | $ 22,257,000 | $ 162,000 | $ 121,000 |
| Monroe County Indiana | 97 | $ 14,592,000 | $ 150,000 | $ 87,000 |
| Madison County Ohio | 96 | $ 17,660,000 | $ 183,000 | $ 112,000 |
| Pickaway County Ohio | 84 | $ 15,880,000 | $ 189,000 | $ 88,000 |
| Morgan County Indiana | 78 | $ 15,101,000 | $ 193,000 | $ 115,000 |
| Shelby County Ohio | 77 | $ 10,349,000 | $ 134,000 | $ 98,000 |
| Clinton County Ohio | 68 | $ 10,717,000 | $ 157,000 | $ 84,000 |
| Preble County Ohio | 59 | $ 7,362,000 | $ 124,000 | $ 77,000 |
| Madison County Indiana | 58 | $ 7,925,000 | $ 136,000 | $ 87,000 |
| Logan County Ohio | 51 | $ 8,187,000 | $ 160,000 | $ 124,000 |
| Brown County Indiana | 43 | $ 8,103,000 | $ 188,000 | $ 188,000 |
| Shelby County Indiana | 42 | $ 7,462,000 | $ 177,000 | $ 110,000 |
| Knox County Ohio | 41 | $ 6,839,000 | $ 166,000 | $ 113,000 |
| Dearborn County Indiana | 40 | $ 7,456,000 | $ 186,000 | $ 104,000 |
| Champaign County Ohio | 39 | $ 5,230,000 | $ 134,000 | $ 76,000 |
| Darke County Ohio | 36 | $ 4,339,000 | $ 120,000 | $ 75,000 |
| Perry County Ohio | 36 | $ 6,532,000 | $ 181,000 | $ 106,000 |
| Brown County Ohio | 33 | $ 4,570,000 | $ 138,000 | $ 103,000 |
| Morrow County Ohio | 32 | $ 4,946,000 | $ 154,000 | $ 100,000 |
| Howard County Indiana | 29 | $ 4,006,000 | $ 138,000 | $ 96,000 |
| Whitley County Indiana | 28 | $ 4,093,000 | $ 146,000 | $ 88,000 |
| Hocking County Ohio | 25 | $ 3,724,000 | $ 148,000 | $ 98,000 |
| Marion County Ohio | 18 | $ 1,891,000 | $ 105,000 | $ 72,000 |
| Kosciusko County Indiana | 17 | $ 2,884,000 | $ 169,000 | $ 90,000 |
| Steuben County Indiana | 17 | $ 3,067,000 | $ 180,000 | $ 142,000 |
| Jefferson County Kentucky | 16 | $ 3,173,000 | $ 198,000 | $ 92,000 |
| Palm Beach County Florida | 15 | $ 8,817,000 | $ 587,000 | $ 215,000 |
| DeKalb County Indiana | 15 | $ 1,909,000 | $ 127,000 | $ 77,000 |
| Tippecanoe County Indiana | 14 | $ 2,103,000 | $ 150,000 | $ 88,000 |
| Highland County Ohio | 14 | $ 1,809,000 | $ 129,000 | $ 122,000 |
| Muskingum County Ohio | 14 | $ 2,365,000 | $ 168,000 | $ 87,000 |
| Orange County California | 13 | $ 19,391,000 | $ 1,491,000 | $ 386,000 |
| Noble County Indiana | 13 | $ 2,527,000 | $ 194,000 | $ 120,000 |
| Ross County Ohio | 13 | $ 1,805,000 | $ 138,000 | $ 83,000 |
| LaGrange County Indiana | 12 | $ 2,657,000 | $ 221,000 | $ 100,000 |
| Wells County Indiana | 12 | $ 1,491,000 | $ 124,000 | $ 68,000 |
| Auglaize County Ohio | 12 | $ 1,676,000 | $ 139,000 | $ 107,000 |
| Cuyahoga County Ohio | 12 | $ 2,811,000 | $ 234,000 | $ 120,000 |
| Campbell County Tennessee | 12 | $ 3,153,000 | $ 262,000 | $ 237,000 |
| Los Angeles County California | 11 | $ 19,659,000 | $ 1,787,000 | $ 332,000 |
| Jackson County Indiana | 11 | $ 1,640,000 | $ 149,000 | $ 78,000 |
| Fayette County Kentucky | 11 | $ 1,620,000 | $ 147,000 | $ 86,000 |
| Grant County Kentucky | 11 | $ 1,631,000 | $ 148,000 | $ 140,000 |
| Huntington County Indiana | 10 | $ 1,617,000 | $ 161,000 | $ 78,000 |
| Athens County Ohio | 10 | $ 1,091,000 | $ 109,000 | $ 64,000 |
| Pinellas County Florida | 9 | $ 1,961,000 | $ 217,000 | $ 186,000 |
| Richland County Ohio | 9 | $ 1,340,000 | $ 148,000 | $ 82,000 |
| Delaware County Indiana | 8 | $ 979,000 | $ 122,000 | $ 75,000 |
| Franklin County Indiana | 8 | $ 1,483,000 | $ 185,000 | $ 94,000 |
| Grant County Indiana | 8 | $ 1,017,000 | $ 127,000 | $ 71,000 |
| Fayette County Ohio | 8 | $ 757,000 | $ 94,000 | $ 67,000 |
| Mercer County Ohio | 8 | $ 1,551,000 | $ 193,000 | $ 88,000 |
| Summit County Ohio | 8 | $ 1,423,000 | $ 177,000 | $ 102,000 |
| Lawrence County Pennsylvania | 8 | $ 1,078,000 | $ 134,000 | $ 86,000 |
| Greene County Indiana | 7 | $ 816,000 | $ 116,000 | $ 68,000 |
| Putnam County Indiana | 7 | $ 1,179,000 | $ 168,000 | $ 148,000 |
| Lee County Florida | 6 | $ 1,232,000 | $ 205,000 | $ 199,000 |
| Adams County Indiana | 6 | $ 576,000 | $ 96,000 | $ 65,000 |
| Henry County Indiana | 6 | $ 883,000 | $ 147,000 | $ 58,000 |
| Ripley County Indiana | 6 | $ 930,000 | $ 155,000 | $ 84,000 |
| Vanderburgh County Indiana | 6 | $ 723,000 | $ 120,000 | $ 81,000 |
| Hancock County Ohio | 6 | $ 602,000 | $ 100,000 | $ 95,000 |
| Broward County Florida | 5 | $ 834,000 | $ 166,000 | $ 84,000 |
| Collier County Florida | 5 | $ 1,389,000 | $ 277,000 | $ 348,000 |
| Sarasota County Florida | 5 | $ 2,669,000 | $ 533,000 | $ 442,000 |
| Sumter County Florida | 5 | $ 914,000 | $ 182,000 | $ 126,000 |
| Cook County Illinois | 5 | $ 2,069,000 | $ 413,000 | $ 218,000 |
| Montgomery County Indiana | 5 | $ 796,000 | $ 159,000 | $ 85,000 |
| St. Joseph County Indiana | 5 | $ 1,019,000 | $ 203,000 | $ 144,000 |
| Tipton County Indiana | 5 | $ 632,000 | $ 126,000 | $ 85,000 |
| Allen County Ohio | 5 | $ 546,000 | $ 109,000 | $ 66,000 |
| Medina County Ohio | 5 | $ 730,000 | $ 146,000 | $ 53,000 |
| Paulding County Ohio | 5 | $ 557,000 | $ 111,000 | $ 88,000 |
| Allegheny County Pennsylvania | 5 | $ 1,746,000 | $ 349,000 | $ 178,000 |
| Clark County Indiana | 4 | $ 677,000 | $ 169,000 | $ 122,000 |
| Clinton County Indiana | 4 | $ 453,000 | $ 113,000 | $ 112,000 |
| Decatur County Indiana | 4 | $ 655,000 | $ 163,000 | $ 155,000 |
| Elkhart County Indiana | 4 | $ 1,266,000 | $ 316,000 | $ 198,000 |
| Jennings County Indiana | 4 | $ 570,000 | $ 142,000 | $ 83,000 |
| Lawrence County Indiana | 4 | $ 478,000 | $ 119,000 | $ 71,000 |
| Vigo County Indiana | 4 | $ 550,000 | $ 137,000 | $ 184,000 |
| Wayne County Indiana | 4 | $ 617,000 | $ 154,000 | $ 74,000 |
| Montgomery County Kentucky | 4 | $ 401,000 | $ 100,000 | $ 92,000 |
| Ashland County Ohio | 4 | $ 434,000 | $ 108,000 | $ 73,000 |
| Salt Lake County Utah | 4 | $ 1,162,000 | $ 290,000 | $ 223,000 |
| Monroe County Florida | 3 | $ 932,000 | $ 310,000 | $ 623,000 |
| Jay County Indiana | 3 | $ 437,000 | $ 145,000 | $ 81,000 |
| Porter County Indiana | 3 | $ 471,000 | $ 157,000 | $ 94,000 |
| Jessamine County Kentucky | 3 | $ 481,000 | $ 160,000 | $ 87,000 |
| Owen County Kentucky | 3 | $ 252,000 | $ 84,000 | $ 183,000 |
| Wayne County Kentucky | 3 | $ 430,000 | $ 143,000 | $ 89,000 |
| Woodford County Kentucky | 3 | $ 334,000 | $ 111,000 | $ 42,000 |
| Leelanau County Michigan | 3 | $ 857,000 | $ 285,000 | $ 245,000 |
| Erie County Ohio | 3 | $ 379,000 | $ 126,000 | $ 169,000 |
| Guernsey County Ohio | 3 | $ 668,000 | $ 222,000 | $ 221,000 |
| Hardin County Ohio | 3 | $ 316,000 | $ 105,000 | $ 114,000 |
| Ottawa County Ohio | 3 | $ 713,000 | $ 237,000 | $ 81,000 |
| Tuscarawas County Ohio | 3 | $ 567,000 | $ 189,000 | $ 100,000 |
| Wood County Ohio | 3 | $ 678,000 | $ 226,000 | $ 148,000 |
| Maricopa County Arizona | 2 | $ 841,000 | $ 420,000 | $ 267,000 |
| Monterey County California | 2 | $ 765,000 | $ 382,000 | $ 187,000 |
| Sonoma County California | 2 | $ 1,395,000 | $ 697,000 | $ 210,000 |
| Manatee County Florida | 2 | $ 744,000 | $ 372,000 | $ 220,000 |
| Orange County Florida | 2 | $ 591,000 | $ 295,000 | $ 127,000 |
| Fayette County Georgia | 2 | $ 600,000 | $ 300,000 | $ 231,000 |
| Kane County Illinois | 2 | $ 720,000 | $ 360,000 | $ 188,000 |
| Carroll County Indiana | 2 | $ 314,000 | $ 157,000 | $ 99,000 |
| Dubois County Indiana | 2 | $ 440,000 | $ 220,000 | $ 82,000 |
| Floyd County Indiana | 2 | $ 484,000 | $ 242,000 | $ 113,000 |
| Jefferson County Indiana | 2 | $ 152,000 | $ 76,000 | $ 142,000 |
| Lake County Indiana | 2 | $ 350,000 | $ 175,000 | $ 46,000 |
| Owen County Indiana | 2 | $ 288,000 | $ 144,000 | $ 127,000 |
| Parke County Indiana | 2 | $ 174,000 | $ 87,000 | $ 108,000 |
| Rush County Indiana | 2 | $ 395,000 | $ 197,000 | $ 99,000 |
| Union County Indiana | 2 | $ 362,000 | $ 181,000 | $ 88,000 |
| Wabash County Indiana | 2 | $ 100,000 | $ 50,000 | $ 37,000 |
| White County Indiana | 2 | $ 335,000 | $ 167,000 | $ 141,000 |
| Gallatin County Kentucky | 2 | $ 453,000 | $ 226,000 | $ 145,000 |
| Madison County Kentucky | 2 | $ 366,000 | $ 183,000 | $ 62,000 |
| Mason County Kentucky | 2 | $ 309,000 | $ 154,000 | $ 92,000 |
| Oldham County Kentucky | 2 | $ 401,000 | $ 200,000 | $ 126,000 |
| Pendleton County Kentucky | 2 | $ 478,000 | $ 239,000 | $ 134,000 |
| Pulaski County Kentucky | 2 | $ 205,000 | $ 102,000 | $ 153,000 |
| Branch County Michigan | 2 | $ 429,000 | $ 214,000 | $ 375,000 |
| Ashtabula County Ohio | 2 | $ 243,000 | $ 121,000 | $ 59,000 |
| Crawford County Ohio | 2 | $ 329,000 | $ 164,000 | $ 111,000 |
| Lake County Ohio | 2 | $ 297,000 | $ 148,000 | $ 99,000 |
| Lorain County Ohio | 2 | $ 338,000 | $ 169,000 | $ 158,000 |
| Morgan County Ohio | 2 | $ 189,000 | $ 94,000 | $ 28,000 |
| Pike County Ohio | 2 | $ 522,000 | $ 261,000 | $ 149,000 |
| Scioto County Ohio | 2 | $ 365,000 | $ 182,000 | $ 92,000 |
| Stark County Ohio | 2 | $ 216,000 | $ 108,000 | $ 49,000 |
| Lebanon County Pennsylvania | 2 | $ 123,000 | $ 61,000 | $ 55,000 |
| Beaufort County South Carolina | 2 | $ 475,000 | $ 237,000 | $ 104,000 |
| Greenville County South Carolina | 2 | $ 342,000 | $ 171,000 | $ 359,000 |
| Davidson County Tennessee | 2 | $ 181,000 | $ 90,000 | $ 118,000 |
| Knox County Tennessee | 2 | $ 729,000 | $ 364,000 | $ 370,000 |
| Summit County Utah | 2 | $ 1,063,000 | $ 531,000 | $ 435,000 |
| Fairfax County Virginia | 2 | $ 535,000 | $ 267,000 | $ 309,000 |
| Pocahontas County West Virginia | 2 | $ 448,000 | $ 224,000 | $ 0 |
| Autauga County Alabama | 1 | $ 227,000 | $ 227,000 | $ 0 |
| Pinal County Arizona | 1 | $ 132,000 | $ 132,000 | $ 260,000 |
| Santa Barbara County California | 1 | $ 948,000 | $ 948,000 | $ 599,000 |
| Denver County Colorado | 1 | $ 417,000 | $ 417,000 | $ 88,000 |
| Pitkin County Colorado | 1 | $ 3,420,000 | $ 3,420,000 | $ 3,614,000 |
| Fairfield County Connecticut | 1 | $ 1,042,000 | $ 1,042,000 | $ 0 |
| Escambia County Florida | 1 | $ 120,000 | $ 120,000 | $ 0 |
| Hillsborough County Florida | 1 | $ 78,000 | $ 78,000 | $ 127,000 |
| Marion County Florida | 1 | $ 102,000 | $ 102,000 | $ 50,000 |
| Okaloosa County Florida | 1 | $ 144,000 | $ 144,000 | $ 70,000 |
| Polk County Florida | 1 | $ 100,000 | $ 100,000 | $ 67,000 |
| Santa Rosa County Florida | 1 | $ 226,000 | $ 226,000 | $ 37,000 |
| St. Lucie County Florida | 1 | $ 840,000 | $ 840,000 | $ 193,000 |
| Volusia County Florida | 1 | $ 159,000 | $ 159,000 | $ 205,000 |
| Walton County Florida | 1 | $ 158,000 | $ 158,000 | $ 231,000 |
| DeKalb County Georgia | 1 | $ 129,000 | $ 129,000 | $ 72,000 |
| Forsyth County Georgia | 1 | $ 636,000 | $ 636,000 | $ 290,000 |
| Kendall County Illinois | 1 | $ 253,000 | $ 253,000 | $ 94,000 |
| Clay County Indiana | 1 | $ 126,000 | $ 126,000 | $ 89,000 |
| Fayette County Indiana | 1 | $ 40,000 | $ 40,000 | $ 77,000 |
| Jasper County Indiana | 1 | $ 110,000 | $ 110,000 | $ 65,000 |
| Knox County Indiana | 1 | $ 120,000 | $ 120,000 | $ 160,000 |
| LaPorte County Indiana | 1 | $ 172,000 | $ 172,000 | $ 158,000 |
| Marshall County Indiana | 1 | $ 154,000 | $ 154,000 | $ 58,000 |
| Martin County Indiana | 1 | $ 31,000 | $ 31,000 | $ 51,000 |
| Miami County Indiana | 1 | $ 200,000 | $ 200,000 | $ 70,000 |
| Newton County Indiana | 1 | $ 349,000 | $ 349,000 | $ 81,000 |
| Ohio County Indiana | 1 | $ 182,000 | $ 182,000 | $ 98,000 |
| Posey County Indiana | 1 | $ 138,000 | $ 138,000 | $ 80,000 |
| Randolph County Indiana | 1 | $ 133,000 | $ 133,000 | $ 119,000 |
| Warrick County Indiana | 1 | $ 109,000 | $ 109,000 | $ 27,000 |
| Boyle County Kentucky | 1 | $ 231,000 | $ 231,000 | $ 0 |
| Bracken County Kentucky | 1 | $ 167,000 | $ 167,000 | $ 53,000 |
| Bullitt County Kentucky | 1 | $ 127,000 | $ 127,000 | $ 33,000 |
| Franklin County Kentucky | 1 | $ 129,000 | $ 129,000 | $ 59,000 |
| Harrison County Kentucky | 1 | $ 71,000 | $ 71,000 | $ 113,000 |
| Rowan County Kentucky | 1 | $ 59,000 | $ 59,000 | $ 12,000 |
| Scott County Kentucky | 1 | $ 82,000 | $ 82,000 | $ 158,000 |
| Shelby County Kentucky | 1 | $ 376,000 | $ 376,000 | $ 254,000 |
| Whitley County Kentucky | 1 | $ 95,000 | $ 95,000 | $ 103,000 |
| Barnstable County Massachusetts | 1 | $ 397,000 | $ 397,000 | $ 1,635,000 |
| Middlesex County Massachusetts | 1 | $ 195,000 | $ 195,000 | $ 180,000 |
| Allegan County Michigan | 1 | $ 210,000 | $ 210,000 | $ 308,000 |
| Emmet County Michigan | 1 | $ 223,000 | $ 223,000 | $ 1,124,000 |
| Kalamazoo County Michigan | 1 | $ 96,000 | $ 96,000 | $ 112,000 |
| Kent County Michigan | 1 | $ 122,000 | $ 122,000 | $ 95,000 |
| Van Buren County Michigan | 1 | $ 394,000 | $ 394,000 | $ 259,000 |
| Washtenaw County Michigan | 1 | $ 183,000 | $ 183,000 | $ 405,000 |
| St. Louis County Missouri | 1 | $ 325,000 | $ 325,000 | $ 335,000 |
| Passaic County New Jersey | 1 | $ 192,000 | $ 192,000 | $ 160,000 |
| Kings County New York | 1 | $ 1,191,000 | $ 1,191,000 | $ 117,000 |
| Buncombe County North Carolina | 1 | $ 174,000 | $ 174,000 | $ 84,000 |
| Catawba County North Carolina | 1 | $ 170,000 | $ 170,000 | $ 115,000 |
| Chatham County North Carolina | 1 | $ 189,000 | $ 189,000 | $ 91,000 |
| Currituck County North Carolina | 1 | $ 417,000 | $ 417,000 | $ 185,000 |
| Mecklenburg County North Carolina | 1 | $ 197,000 | $ 197,000 | $ 307,000 |
| Wake County North Carolina | 1 | $ 268,000 | $ 268,000 | $ 0 |
| Adams County Ohio | 1 | $ 160,000 | $ 160,000 | $ 95,000 |
| Belmont County Ohio | 1 | $ 74,000 | $ 74,000 | $ 29,000 |
| Coshocton County Ohio | 1 | $ 142,000 | $ 142,000 | $ 96,000 |
| Gallia County Ohio | 1 | $ 126,000 | $ 126,000 | $ 128,000 |
| Harrison County Ohio | 1 | $ 183,000 | $ 183,000 | $ 114,000 |
| Huron County Ohio | 1 | $ 162,000 | $ 162,000 | $ 91,000 |
| Jackson County Ohio | 1 | $ 69,000 | $ 69,000 | $ 17,000 |
| Portage County Ohio | 1 | $ 310,000 | $ 310,000 | $ 97,000 |
| Van Wert County Ohio | 1 | $ 78,000 | $ 78,000 | $ 64,000 |
| Cleveland County Oklahoma | 1 | $ 284,000 | $ 284,000 | $ 71,000 |
| Deschutes County Oregon | 1 | $ 190,000 | $ 190,000 | $ 58,000 |
| Cumberland County Pennsylvania | 1 | $ 377,000 | $ 377,000 | $ 151,000 |
| Lancaster County Pennsylvania | 1 | $ 130,000 | $ 130,000 | $ 41,000 |
| Westmoreland County Pennsylvania | 1 | $ 164,000 | $ 164,000 | $ 323,000 |
| Aiken County South Carolina | 1 | $ 164,000 | $ 164,000 | $ 109,000 |
| Charleston County South Carolina | 1 | $ 300,000 | $ 300,000 | $ 129,000 |
| Greenwood County South Carolina | 1 | $ 364,000 | $ 364,000 | $ 573,000 |
| Pickens County South Carolina | 1 | $ 186,000 | $ 186,000 | $ 60,000 |
| Rutherford County Tennessee | 1 | $ 188,000 | $ 188,000 | $ 73,000 |
| Sevier County Tennessee | 1 | $ 255,000 | $ 255,000 | $ 171,000 |
| Sullivan County Tennessee | 1 | $ 91,000 | $ 91,000 | $ 50,000 |
| Bell County Texas | 1 | $ 186,000 | $ 186,000 | $ 0 |
| Alexandria County Virginia | 1 | $ 64,000 | $ 64,000 | $ 38,000 |
| Stafford County Virginia | 1 | $ 100,000 | $ 100,000 | $ 70,000 |
| Suffolk County Virginia | 1 | $ 536,000 | $ 536,000 | $ 0 |
| Dane County Wisconsin | 1 | $ 102,000 | $ 102,000 | $ 63,000 |
Mortgage Loan Application Detail Totals for Union Savings Bank in 2016
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 | 14,974 | $2,725,740,000 | $182,000 | $2,855,000 | $116,000 | $2,215,000 |
| Home Purchase | 8,775 | $1,734,249,000 | $197,000 | $4,800,000 | $110,000 | $4,941,000 |
| Home Improvement | 1,614 | $286,498,000 | $177,000 | $12,500,000 | $116,000 | $3,614,000 |
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 | 21,217 | $3,897,107,000 | $183,000 | $4,800,000 | $113,000 | $3,614,000 |
| Not Provided | 1,998 | $406,966,000 | $203,000 | $2,855,000 | $124,000 | $2,019,000 |
| Asian | 1,269 | $267,525,000 | $210,000 | $1,630,000 | $122,000 | $777,000 |
| Black or African American | 461 | $72,234,000 | $156,000 | $1,639,000 | $101,000 | $4,941,000 |
| Hispanic | 216 | $39,531,000 | $183,000 | $662,000 | $104,000 | $320,000 |
| Not applicable | 149 | $51,168,000 | $343,000 | $12,500,000 | $0 | $0 |
| American Indian or Alaskan Native | 35 | $7,975,000 | $227,000 | $2,415,000 | $133,000 | $1,272,000 |
| Native Hawaiin or Other Pacific Islander | 18 | $3,981,000 | $221,000 | $417,000 | $158,000 | $747,000 |
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) | 23,380 | $4,445,006,000 | $190,000 | $12,500,000 | $118,000 | $4,941,000 |
| FHA-insured (Federal Housing Administration) | 1,553 | $219,409,000 | $141,000 | $448,000 | $57,000 | $393,000 |
| VA-guaranteed (Veterans Administration) | 368 | $73,307,000 | $199,000 | $650,000 | $77,000 | $379,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 62 | $8,765,000 | $141,000 | $333,000 | $52,000 | $136,000 |
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 | 20,267 | $3,820,215,000 | $188,000 | $12,500,000 | $116,000 | $3,614,000 |
| Application Denied By Financial Institution | 2,890 | $523,830,000 | $181,000 | $2,415,000 | $100,000 | $4,941,000 |
| Application Withdrawn By Applicant | 1,942 | $358,185,000 | $184,000 | $1,600,000 | $111,000 | $992,000 |
| Application Approved But Not Accepted | 238 | $40,486,000 | $170,000 | $1,118,000 | $109,000 | $875,000 |
| Loan Purchased By The Institution | 26 | $3,771,000 | $145,000 | $408,000 | $87,000 | $342,000 |
| 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 | 901 | $165,628,000 | $183,000 | $2,000,000 | $68,000 | $606,000 |
| Collateral | 768 | $154,193,000 | $200,000 | $2,415,000 | $130,000 | $4,941,000 |
| Credit Application Incomplete | 540 | $98,537,000 | $182,000 | $2,000,000 | $118,000 | $1,112,000 |
| Credit History | 470 | $69,133,000 | $147,000 | $645,000 | $90,000 | $504,000 |
| Other | 106 | $18,923,000 | $178,000 | $417,000 | $118,000 | $479,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 37 | $6,628,000 | $179,000 | $417,000 | $88,000 | $308,000 |
| Unverifiable Information | 36 | $6,048,000 | $168,000 | $474,000 | $90,000 | $243,000 |
| Employment History | 31 | $4,535,000 | $146,000 | $410,000 | $78,000 | $529,000 |
| Mortgage Insurance Denied | 1 | $205,000 | $205,000 | $205,000 | $82,000 | $82,000 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Union Savings Bank's 2016 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.