Union Savings Bank Mortgage Lending & HMDA Data, 2024
In 2024, Union Savings Bank of Cincinnati, OH reported 8,876 mortgage applications totaling $2.3 billion, up 2% from 2023. The average application was for $264,028, and applicants reported an average income of $148,644. 77% of its applications resulted in an originated loan and 6% were denied. Its largest markets were Cincinnati, OH-KY-IN (2,460), Dayton-Springfield-Kettering, OH (1,640) and Columbus, OH (1,611) (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 | 8,876 |
| Total Mortgage Loan Application Amount | $2,343,520,000 |
| Average Mortgage Loan Application Amount | $264,028 |
| Highest Mortgage Loan Application Amount | $3,595,000 |
| Average Applicant Income | $148,644 |
| Highest Applicant Income | $4,799,000 |
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Act (HMDA) records Union Savings Bank filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 | 2,460 | $ 635,630,000 | $ 258,386 | $ 151,246 |
| Dayton-Springfield-Kettering, OH | 1,640 | $ 367,900,000 | $ 224,329 | $ 128,000 |
| Columbus, OH | 1,611 | $ 470,015,000 | $ 291,753 | $ 168,000 |
| Indianapolis-Carmel-Anderson, IN | 970 | $ 247,350,000 | $ 255,000 | $ 140,000 |
| Pittsburgh, PA | 604 | $ 146,480,000 | $ 242,516 | $ 131,000 |
| Outside any metro area | 473 | $ 112,795,000 | $ 238,467 | $ 121,487 |
| Fort Wayne, IN | 274 | $ 66,060,000 | $ 241,094 | $ 116,000 |
| Cleveland, OH | 211 | $ 58,945,000 | $ 279,360 | $ 140,000 |
| Springfield, OH | 86 | $ 20,120,000 | $ 233,953 | $ 109,000 |
| Columbus, IN | 58 | $ 14,330,000 | $ 247,068 | $ 152,000 |
| Akron, OH | 46 | $ 11,720,000 | $ 254,782 | $ 128,000 |
| North Port-Sarasota-Bradenton, FL | 42 | $ 24,200,000 | $ 576,190 | $ 392,000 |
| Bloomington, IN | 20 | $ 4,570,000 | $ 228,500 | $ 148,000 |
| Canton-Massillon, OH | 19 | $ 4,455,000 | $ 234,473 | $ 129,000 |
| Louisville/Jefferson County, KY-IN | 19 | $ 5,585,000 | $ 293,947 | $ 170,000 |
| St. Petersburg-Clearwater-Largo, FL | 15 | $ 11,825,000 | $ 788,333 | $ 428,000 |
| Cape Coral-Fort Myers, FL | 14 | $ 5,830,000 | $ 416,428 | $ 255,000 |
| Lexington-Fayette, KY | 13 | $ 4,015,000 | $ 308,846 | $ 173,000 |
| Toledo, OH | 13 | $ 3,515,000 | $ 270,384 | $ 186,000 |
| Crestview-Fort Walton Beach-Destin, FL | 12 | $ 9,190,000 | $ 765,833 | $ 425,000 |
| Knoxville, TN | 12 | $ 8,230,000 | $ 685,833 | $ 445,000 |
| Tampa, FL | 12 | $ 5,190,000 | $ 432,500 | $ 202,000 |
| Naples-Immokalee-Marco Island, FL | 11 | $ 8,635,000 | $ 785,000 | $ 356,000 |
| Muncie, IN | 9 | $ 1,605,000 | $ 178,333 | $ 226,000 |
| Kokomo, IN | 8 | $ 990,000 | $ 123,750 | $ 102,000 |
| Nashville-Davidson--Murfreesboro--Franklin, TN | 8 | $ 2,970,000 | $ 371,250 | $ 163,000 |
| Erie, PA | 7 | $ 1,975,000 | $ 282,142 | $ 95,000 |
| Lafayette-West Lafayette, IN | 7 | $ 2,475,000 | $ 353,571 | $ 133,000 |
| Orlando-Kissimmee-Sanford, FL | 7 | $ 3,145,000 | $ 449,285 | $ 374,000 |
| West Palm Beach-Boca Raton-Delray Beach, FL | 7 | $ 4,795,000 | $ 685,000 | $ 1,049,000 |
| Anaheim-Santa Ana-Irvine, CA | 6 | $ 5,000,000 | $ 833,333 | $ 268,000 |
| Chicago-Naperville, IL | 6 | $ 1,590,000 | $ 265,000 | $ 256,000 |
| Philadelphia, PA | 6 | $ 1,720,000 | $ 286,666 | $ 154,000 |
| Wildwood-The Villages, FL | 6 | $ 1,440,000 | $ 240,000 | $ 159,000 |
| Youngstown-Warren-Boardman, OH-PA | 6 | $ 1,460,000 | $ 243,333 | $ 160,000 |
| Sandusky, OH | 5 | $ 1,025,000 | $ 205,000 | $ 179,000 |
| Charleston-North Charleston, SC | 4 | $ 1,830,000 | $ 457,500 | $ 264,000 |
| Elizabethtown-Fort Knox, KY | 4 | $ 500,000 | $ 125,000 | $ 160,000 |
| Elkhart-Goshen, IN | 4 | $ 1,230,000 | $ 307,500 | $ 75,000 |
| Fort Lauderdale-Pompano Beach-Deerfield Beach, FL | 4 | $ 1,320,000 | $ 330,000 | $ 146,000 |
| Greenville-Anderson-Mauldin, SC | 4 | $ 1,450,000 | $ 362,500 | $ 291,000 |
| Hilton Head Island-Bluffton-Beaufort, SC | 4 | $ 2,140,000 | $ 535,000 | $ 390,000 |
| Mansfield, OH | 4 | $ 1,690,000 | $ 422,500 | $ 220,000 |
| Montgomery County-Bucks County-Chester County, PA | 4 | $ 1,590,000 | $ 397,500 | $ 264,000 |
| New York-Jersey City-White Plains, NY-NJ | 4 | $ 4,770,000 | $ 1,192,500 | $ 615,000 |
| Phoenix-Mesa-Scottsdale, AZ | 4 | $ 2,460,000 | $ 615,000 | $ 374,000 |
| South Bend-Mishawaka, IN-MI | 4 | $ 1,390,000 | $ 347,500 | $ 199,500 |
| Weirton-Steubenville, WV-OH | 4 | $ 740,000 | $ 185,000 | $ 89,000 |
| Atlanta-Sandy Springs-Roswell, GA | 3 | $ 1,185,000 | $ 395,000 | $ 112,000 |
| Charlotte-Concord-Gastonia, NC-SC | 3 | $ 1,125,000 | $ 375,000 | $ 173,000 |
| Deltona-Daytona Beach-Ormond Beach, FL | 3 | $ 1,815,000 | $ 605,000 | $ 293,000 |
| Huntington-Ashland, WV-KY-OH | 3 | $ 325,000 | $ 108,333 | $ 192,666 |
| Lake County-Porter County-Jasper County, IN | 3 | $ 395,000 | $ 131,666 | $ 56,000 |
| Las Vegas-Henderson-Paradise, NV | 3 | $ 2,425,000 | $ 808,333 | $ 228,000 |
| Lima, OH | 3 | $ 385,000 | $ 128,333 | $ 179,000 |
| Palm Bay-Melbourne-Titusville, FL | 3 | $ 1,055,000 | $ 351,666 | $ 179,000 |
| Panama City, FL | 3 | $ 675,000 | $ 225,000 | $ 182,000 |
| Port St. Lucie, FL | 3 | $ 1,195,000 | $ 398,333 | $ 218,000 |
| Raleigh, NC | 3 | $ 1,625,000 | $ 541,666 | $ 334,000 |
| Terre Haute, IN | 3 | $ 375,000 | $ 125,000 | $ 114,000 |
| Altoona, PA | 2 | $ 400,000 | $ 200,000 | $ 77,000 |
| Baltimore-Columbia-Towson, MD | 2 | $ 1,620,000 | $ 810,000 | $ 392,000 |
| Cleveland, TN | 2 | $ 750,000 | $ 375,000 | $ 86,000 |
| Denver-Aurora-Lakewood, CO | 2 | $ 820,000 | $ 410,000 | $ 153,000 |
| Elgin, IL | 2 | $ 1,750,000 | $ 875,000 | $ 358,000 |
| Fayetteville, NC | 2 | $ 550,000 | $ 275,000 | $ 38,000 |
| Lebanon, PA | 2 | $ 640,000 | $ 320,000 | $ 158,000 |
| Los Angeles-Long Beach-Glendale, CA | 2 | $ 4,370,000 | $ 2,185,000 | $ 359,000 |
| Morristown, TN | 2 | $ 1,220,000 | $ 610,000 | $ 365,000 |
| Myrtle Beach-Conway-North Myrtle Beach, SC-NC | 2 | $ 720,000 | $ 360,000 | $ 398,000 |
| Paducah, KY-IL | 2 | $ 450,000 | $ 225,000 | $ 78,000 |
| Virginia Beach-Norfolk-Newport News, VA-NC | 2 | $ 970,000 | $ 485,000 | $ 220,000 |
| Arlington-Alexandria-Reston, VA-WV | 1 | $ 105,000 | $ 105,000 | $ 149,000 |
| Asheville, NC | 1 | $ 135,000 | $ 135,000 | $ 58,000 |
| Bowling Green, KY | 1 | $ 385,000 | $ 385,000 | $ 240,000 |
| Champaign-Urbana, IL | 1 | $ 355,000 | $ 355,000 | $ 99,000 |
| Chattanooga, TN-GA | 1 | $ 185,000 | $ 185,000 | $ 282,000 |
| Clarksville, TN-KY | 1 | $ 285,000 | $ 285,000 | $ 80,000 |
| Detroit-Dearborn-Livonia, MI | 1 | $ 175,000 | $ 175,000 | $ 78,000 |
| Eugene, OR | 1 | $ 235,000 | $ 235,000 | $ 270,000 |
| Evansville, IN-KY | 1 | $ 175,000 | $ 175,000 | $ 82,000 |
| Fayetteville-Springdale-Rogers, AR-MO | 1 | $ 105,000 | $ 105,000 | $ 100,000 |
| Goldsboro, NC | 1 | $ 55,000 | $ 55,000 | $ 144,000 |
| Greensboro-High Point, NC | 1 | $ 425,000 | $ 425,000 | $ 249,000 |
| Harrisburg-Carlisle, PA | 1 | $ 485,000 | $ 485,000 | $ 102,000 |
| Hickory-Lenoir-Morganton, NC | 1 | $ 195,000 | $ 195,000 | $ 139,000 |
| Homosassa Springs, FL | 1 | $ 75,000 | $ 75,000 | $ 43,000 |
| Jackson, TN | 1 | $ 215,000 | $ 215,000 | $ 44,000 |
| Jacksonville, FL | 1 | $ 1,955,000 | $ 1,955,000 | $ 515,000 |
| Johnstown, PA | 1 | $ 165,000 | $ 165,000 | $ 64,000 |
| Macon-Bibb County, GA | 1 | $ 285,000 | $ 285,000 | $ 67,000 |
| Marietta, GA | 1 | $ 515,000 | $ 515,000 | $ 103,000 |
| Miami-Miami Beach-Kendall, FL | 1 | $ 385,000 | $ 385,000 | $ 200,000 |
| Michigan City-La Porte, IN | 1 | $ 245,000 | $ 245,000 | $ 80,000 |
| Mobile, AL | 1 | $ 205,000 | $ 205,000 | $ 89,000 |
| Nassau County-Suffolk County, NY | 1 | $ 2,965,000 | $ 2,965,000 | $ 1,619,000 |
| Niles-Benton Harbor, MI | 1 | $ 305,000 | $ 305,000 | $ 348,000 |
| Ocala, FL | 1 | $ 495,000 | $ 495,000 | $ 135,000 |
| Pensacola-Ferry Pass-Brent, FL | 1 | $ 365,000 | $ 365,000 | $ 2,558,000 |
| Pinehurst-Southern Pines, NC | 1 | $ 155,000 | $ 155,000 | $ 0 |
| Punta Gorda, FL | 1 | $ 335,000 | $ 335,000 | $ 169,000 |
| Reno, NV | 1 | $ 335,000 | $ 335,000 | $ 142,000 |
| Richmond, VA | 1 | $ 495,000 | $ 495,000 | $ 269,000 |
| Salem, OR | 1 | $ 355,000 | $ 355,000 | $ 606,000 |
| Salinas, CA | 1 | $ 1,855,000 | $ 1,855,000 | $ 458,000 |
| Salisbury, MD-DE | 1 | $ 35,000 | $ 35,000 | $ 139,000 |
| Savannah, GA | 1 | $ 375,000 | $ 375,000 | $ 106,000 |
| Scranton--Wilkes-Barre--Hazleton, PA | 1 | $ 145,000 | $ 145,000 | $ 43,000 |
| Sebastian-Vero Beach, FL | 1 | $ 565,000 | $ 565,000 | $ 137,000 |
| Traverse City, MI | 1 | $ 425,000 | $ 425,000 | $ 253,000 |
| Tulsa, OK | 1 | $ 695,000 | $ 695,000 | $ 138,000 |
| Vallejo-Fairfield, CA | 1 | $ 185,000 | $ 185,000 | $ 194,000 |
| Warren-Troy-Farmington Hills, MI | 1 | $ 225,000 | $ 225,000 | $ 65,000 |
| Washington, DC-MD | 1 | $ 425,000 | $ 425,000 | $ 140,000 |
| Wheeling, WV-OH | 1 | $ 215,000 | $ 215,000 | $ 135,000 |
| Wilmington, NC | 1 | $ 295,000 | $ 295,000 | $ 235,000 |
| York-Hanover, PA | 1 | $ 205,000 | $ 205,000 | $ 159,000 |
Mortgage Loan Application Detail Totals for Union Savings Bank in 2024
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 |
|---|---|---|---|---|---|---|
| Home Purchase | 5,394 | $1,753,810,000 | $325,000 | $3,595,000 | $155,000 | $2,558,000 |
| Refinancing | 925 | $244,755,000 | $264,000 | $1,995,000 | $146,000 | $1,481,000 |
| Home Improvement | 897 | $85,735,000 | $95,000 | $1,565,000 | $125,000 | $1,152,000 |
| Other Purpose | 857 | $98,795,000 | $115,000 | $1,005,000 | $148,000 | $1,744,000 |
| Cash-out Refinancing | 797 | $160,325,000 | $201,000 | $3,005,000 | $136,000 | $4,799,000 |
| Not Applicable | 6 | $100,000 | $16,000 | $35,000 | $0 | $0 |
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 | 6,816 | $1,826,470,000 | $267,000 | $3,595,000 | $151,000 | $4,799,000 |
| Not Provided | 579 | $171,065,000 | $295,000 | $2,965,000 | $169,000 | $1,619,000 |
| Asian | 537 | $163,485,000 | $304,000 | $3,005,000 | $172,000 | $1,354,000 |
| Black or African American | 520 | $77,540,000 | $149,000 | $3,205,000 | $85,000 | $605,000 |
| Hispanic | 377 | $95,955,000 | $254,000 | $1,325,000 | $135,000 | $891,000 |
| American Indian or Alaskan Native | 23 | $5,475,000 | $238,000 | $495,000 | $147,000 | $806,000 |
| Not applicable | 19 | $2,325,000 | $122,000 | $335,000 | $0 | $0 |
| Native Hawaiian or Other Pacific Islander | 5 | $1,205,000 | $241,000 | $555,000 | $136,000 | $298,000 |
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) | 7,954 | $2,119,120,000 | $266,000 | $3,595,000 | $155,000 | $4,799,000 |
| FHA-insured (Federal Housing Administration) | 670 | $145,400,000 | $217,000 | $505,000 | $84,000 | $318,000 |
| VA-guaranteed (Veterans Administration) | 214 | $71,130,000 | $332,000 | $965,000 | $134,000 | $430,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 38 | $7,870,000 | $207,000 | $375,000 | $77,000 | $130,000 |
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 | 6,831 | $1,804,445,000 | $264,000 | $3,595,000 | $152,000 | $4,799,000 |
| Application Withdrawn By Applicant | 1,112 | $323,860,000 | $291,000 | $3,005,000 | $154,000 | $2,558,000 |
| Application Denied By Financial Institution | 564 | $132,870,000 | $235,000 | $2,755,000 | $109,000 | $1,671,000 |
| File Closed For Incompleteness | 178 | $45,260,000 | $254,000 | $1,135,000 | $148,000 | $1,085,000 |
| Application Approved But Not Accepted | 172 | $34,760,000 | $202,000 | $895,000 | $137,000 | $991,000 |
| Loan Purchased By The Institution | 19 | $2,325,000 | $122,000 | $335,000 | $0 | $0 |
| Preapproval Approved but not Accepted | 0 | $0 | $0 | $0 | $0 | $0 |
| Preapproval Denied by Financial Institution | 0 | $0 | $0 | $0 | $0 | $0 |
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 |
|---|---|---|---|---|---|---|
| Not applicable | 8,312 | $2,210,650,000 | $265,000 | $3,595,000 | $152,000 | $4,799,000 |
| Debt-To-Income Ratio | 237 | $62,965,000 | $265,000 | $2,755,000 | $94,000 | $586,000 |
| Collateral | 140 | $33,660,000 | $240,000 | $2,505,000 | $149,000 | $1,671,000 |
| Credit History | 93 | $12,425,000 | $133,000 | $505,000 | $90,000 | $303,000 |
| Other | 26 | $8,200,000 | $315,000 | $1,345,000 | $122,000 | $256,000 |
| Unverifiable Information | 24 | $5,800,000 | $241,000 | $1,055,000 | $95,000 | $310,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 20 | $4,630,000 | $231,000 | $505,000 | $120,000 | $382,000 |
| Employment History | 17 | $3,595,000 | $211,000 | $425,000 | $62,000 | $223,000 |
| Credit Application Incomplete | 6 | $1,480,000 | $246,000 | $665,000 | $125,000 | $323,000 |
| Mortgage Insurance Denied | 1 | $115,000 | $115,000 | $115,000 | $40,000 | $40,000 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Union Savings Bank's 2024 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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