Union Savings Bank Mortgage Lending & HMDA Data, 2016
In 2016, Union Savings Bank of Cincinnati, OH reported 25,363 mortgage applications totaling $4.7 billion, up 12% from 2015. The average application was for $187,142, and applicants reported an average income of $113,924. 80% of its applications resulted in an originated loan and 11% were denied. Its largest markets were Cincinnati, OH-KY-IN (8,432), Columbus, OH (6,046) and Indianapolis-Carmel-Anderson, IN (4,456) (applications in parentheses).
| 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 | 2025 2024 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 | $187,142 |
| Highest Mortgage Loan Application Amount | $12,500,000 |
| Average Applicant Income | $113,924 |
| Highest Applicant Income | $4,941,000 |
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Act (HMDA) records Union Savings Bank filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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, OH-KY-IN | 8,432 | $ 1,632,361,000 | $ 193,591 | $ 119,678 |
| Columbus, OH | 6,046 | $ 1,208,182,000 | $ 199,831 | $ 116,000 |
| Indianapolis-Carmel-Anderson, IN | 4,456 | $ 847,127,000 | $ 190,109 | $ 117,000 |
| Dayton, OH | 4,183 | $ 652,522,000 | $ 155,993 | $ 97,000 |
| Fort Wayne, IN | 592 | $ 88,346,000 | $ 149,233 | $ 93,000 |
| Columbus, IN | 316 | $ 55,199,000 | $ 174,680 | $ 102,000 |
| Springfield, OH | 141 | $ 18,730,000 | $ 132,836 | $ 80,000 |
| Bloomington, IN | 99 | $ 14,880,000 | $ 150,303 | $ 88,000 |
| Kokomo, IN | 29 | $ 4,006,000 | $ 138,137 | $ 96,000 |
| Louisville/Jefferson County, KY-IN | 26 | $ 5,238,000 | $ 201,461 | $ 104,384 |
| Cleveland-Elyria, OH | 21 | $ 4,176,000 | $ 198,857 | $ 106,000 |
| Lexington-Fayette, KY | 18 | $ 2,517,000 | $ 139,833 | $ 83,000 |
| Lafayette-West Lafayette, IN | 16 | $ 2,417,000 | $ 151,062 | $ 89,000 |
| West Palm Beach-Boca Raton-Delray Beach, FL | 15 | $ 8,817,000 | $ 587,800 | $ 215,000 |
| Knoxville, TN | 14 | $ 3,882,000 | $ 277,285 | $ 256,000 |
| Anaheim-Santa Ana-Irvine, CA | 13 | $ 19,391,000 | $ 1,491,615 | $ 386,000 |
| Los Angeles-Long Beach-Glendale, CA | 11 | $ 19,659,000 | $ 1,787,181 | $ 332,000 |
| Tampa-St. Petersburg-Clearwater, FL | 10 | $ 2,039,000 | $ 203,900 | $ 180,000 |
| Akron, OH | 9 | $ 1,733,000 | $ 192,555 | $ 101,000 |
| Mansfield, OH | 9 | $ 1,340,000 | $ 148,888 | $ 82,000 |
| Evansville, IN-KY | 8 | $ 970,000 | $ 121,250 | $ 74,000 |
| Muncie, IN | 8 | $ 979,000 | $ 122,375 | $ 75,000 |
| Gary, IN | 7 | $ 1,280,000 | $ 182,857 | $ 74,000 |
| North Port-Sarasota-Bradenton, FL | 7 | $ 3,413,000 | $ 487,571 | $ 379,000 |
| Cape Coral-Fort Myers, FL | 6 | $ 1,232,000 | $ 205,333 | $ 199,000 |
| Chicago-Naperville-Arlington Heights, IL | 6 | $ 2,322,000 | $ 387,000 | $ 197,000 |
| Pittsburgh, PA | 6 | $ 1,910,000 | $ 318,333 | $ 202,000 |
| Fort Lauderdale-Pompano Beach-Deerfield Beach, FL | 5 | $ 834,000 | $ 166,800 | $ 84,000 |
| Lima, OH | 5 | $ 546,000 | $ 109,200 | $ 66,000 |
| Naples-Immokalee-Marco Island, FL | 5 | $ 1,389,000 | $ 277,800 | $ 348,000 |
| South Bend-Mishawaka, IN-MI | 5 | $ 1,019,000 | $ 203,800 | $ 144,000 |
| Terre Haute, IN | 5 | $ 676,000 | $ 135,200 | $ 165,000 |
| The Villages, FL | 5 | $ 914,000 | $ 182,800 | $ 126,000 |
| Atlanta-Sandy Springs-Roswell, GA | 4 | $ 1,365,000 | $ 341,250 | $ 206,000 |
| Elkhart-Goshen, IN | 4 | $ 1,266,000 | $ 316,500 | $ 198,000 |
| Salt Lake City, UT | 4 | $ 1,162,000 | $ 290,500 | $ 223,000 |
| Washington-Arlington-Alexandria, DC-VA-MD-WV | 4 | $ 699,000 | $ 174,750 | $ 181,000 |
| Greenville-Anderson-Mauldin, SC | 3 | $ 528,000 | $ 176,000 | $ 259,000 |
| Nashville-Davidson--Murfreesboro--Franklin, TN | 3 | $ 369,000 | $ 123,000 | $ 103,000 |
| Phoenix-Mesa-Scottsdale, AZ | 3 | $ 973,000 | $ 324,333 | $ 264,000 |
| Toledo, OH | 3 | $ 678,000 | $ 226,000 | $ 148,000 |
| Canton-Massillon, OH | 2 | $ 216,000 | $ 108,000 | $ 49,000 |
| Crestview-Fort Walton Beach-Destin, FL | 2 | $ 302,000 | $ 151,000 | $ 150,000 |
| Elgin, IL | 2 | $ 720,000 | $ 360,000 | $ 188,000 |
| Hilton Head Island-Bluffton-Beaufort, SC | 2 | $ 475,000 | $ 237,500 | $ 104,000 |
| Kalamazoo-Portage, MI | 2 | $ 490,000 | $ 245,000 | $ 185,000 |
| Lebanon, PA | 2 | $ 123,000 | $ 61,500 | $ 55,000 |
| New York-Jersey City-White Plains, NY-NJ | 2 | $ 1,383,000 | $ 691,500 | $ 138,500 |
| Orlando-Kissimmee-Sanford, FL | 2 | $ 591,000 | $ 295,500 | $ 127,000 |
| Pensacola-Ferry Pass-Brent, FL | 2 | $ 346,000 | $ 173,000 | $ 18,000 |
| Salinas, CA | 2 | $ 765,000 | $ 382,500 | $ 187,000 |
| Santa Rosa, CA | 2 | $ 1,395,000 | $ 697,500 | $ 210,000 |
| Virginia Beach-Norfolk-Newport News, VA-NC | 2 | $ 953,000 | $ 476,500 | $ 92,500 |
| Ann Arbor, MI | 1 | $ 183,000 | $ 183,000 | $ 405,000 |
| Asheville, NC | 1 | $ 174,000 | $ 174,000 | $ 84,000 |
| Augusta-Richmond County, GA-SC | 1 | $ 164,000 | $ 164,000 | $ 109,000 |
| Barnstable Town, MA | 1 | $ 397,000 | $ 397,000 | $ 1,635,000 |
| Bend-Redmond, OR | 1 | $ 190,000 | $ 190,000 | $ 58,000 |
| Bridgeport-Stamford-Norwalk, CT | 1 | $ 1,042,000 | $ 1,042,000 | $ 0 |
| Cambridge-Newton-Framingham, MA | 1 | $ 195,000 | $ 195,000 | $ 180,000 |
| Charleston-North Charleston, SC | 1 | $ 300,000 | $ 300,000 | $ 129,000 |
| Charlotte-Concord-Gastonia, NC-SC | 1 | $ 197,000 | $ 197,000 | $ 307,000 |
| Deltona-Daytona Beach-Ormond Beach, FL | 1 | $ 159,000 | $ 159,000 | $ 205,000 |
| Denver-Aurora-Lakewood, CO | 1 | $ 417,000 | $ 417,000 | $ 88,000 |
| Durham-Chapel Hill, NC | 1 | $ 189,000 | $ 189,000 | $ 91,000 |
| Grand Rapids-Wyoming, MI | 1 | $ 122,000 | $ 122,000 | $ 95,000 |
| Harrisburg-Carlisle, PA | 1 | $ 377,000 | $ 377,000 | $ 151,000 |
| Hickory-Lenoir-Morganton, NC | 1 | $ 170,000 | $ 170,000 | $ 115,000 |
| Killeen-Temple, TX | 1 | $ 186,000 | $ 186,000 | $ 0 |
| Kingsport-Bristol-Bristol, TN-VA | 1 | $ 91,000 | $ 91,000 | $ 50,000 |
| Lakeland-Winter Haven, FL | 1 | $ 100,000 | $ 100,000 | $ 67,000 |
| Lancaster, PA | 1 | $ 130,000 | $ 130,000 | $ 41,000 |
| Madison, WI | 1 | $ 102,000 | $ 102,000 | $ 63,000 |
| Michigan City-La Porte, IN | 1 | $ 172,000 | $ 172,000 | $ 158,000 |
| Montgomery, AL | 1 | $ 227,000 | $ 227,000 | $ 0 |
| Ocala, FL | 1 | $ 102,000 | $ 102,000 | $ 50,000 |
| Oklahoma City, OK | 1 | $ 284,000 | $ 284,000 | $ 71,000 |
| Port St. Lucie, FL | 1 | $ 840,000 | $ 840,000 | $ 193,000 |
| Raleigh, NC | 1 | $ 268,000 | $ 268,000 | $ 0 |
| Santa Maria-Santa Barbara, CA | 1 | $ 948,000 | $ 948,000 | $ 599,000 |
| St. Louis, MO-IL | 1 | $ 325,000 | $ 325,000 | $ 335,000 |
| Wheeling, WV-OH | 1 | $ 74,000 | $ 74,000 | $ 29,000 |
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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