2023 Totals: $3,758,953,525,000 in Mortgages Applied for out of 11,483,889 Applications
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- Data Updated through 2023
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 |
|---|---|---|---|---|
| Adams County Indiana | 6 | $ 576,000 | $ 96,000 | $ 65,000 |
| Adams County Ohio | 1 | $ 160,000 | $ 160,000 | $ 95,000 |
| Aiken County South Carolina | 1 | $ 164,000 | $ 164,000 | $ 109,000 |
| Alexandria County Virginia | 1 | $ 64,000 | $ 64,000 | $ 38,000 |
| Allegan County Michigan | 1 | $ 210,000 | $ 210,000 | $ 308,000 |
| Allegheny County Pennsylvania | 5 | $ 1,746,000 | $ 349,000 | $ 178,000 |
| Allen County Indiana | 552 | $ 82,762,000 | $ 149,000 | $ 93,000 |
| Allen County Ohio | 5 | $ 546,000 | $ 109,000 | $ 66,000 |
| Ashland County Ohio | 4 | $ 434,000 | $ 108,000 | $ 73,000 |
| Ashtabula County Ohio | 2 | $ 243,000 | $ 121,000 | $ 59,000 |
| Athens County Ohio | 10 | $ 1,091,000 | $ 109,000 | $ 64,000 |
| Auglaize County Ohio | 12 | $ 1,676,000 | $ 139,000 | $ 107,000 |
| Autauga County Alabama | 1 | $ 227,000 | $ 227,000 | $ 0 |
| Barnstable County Massachusetts | 1 | $ 397,000 | $ 397,000 | $ 1,635,000 |
| Bartholomew County Indiana | 316 | $ 55,199,000 | $ 174,000 | $ 102,000 |
| Beaufort County South Carolina | 2 | $ 475,000 | $ 237,000 | $ 104,000 |
| Bell County Texas | 1 | $ 186,000 | $ 186,000 | $ 0 |
| Belmont County Ohio | 1 | $ 74,000 | $ 74,000 | $ 29,000 |
| Boone County Indiana | 225 | $ 56,254,000 | $ 250,000 | $ 144,000 |
| Boone County Kentucky | 148 | $ 27,417,000 | $ 185,000 | $ 108,000 |
| Boyle County Kentucky | 1 | $ 231,000 | $ 231,000 | $ 0 |
| Bracken County Kentucky | 1 | $ 167,000 | $ 167,000 | $ 53,000 |
| Branch County Michigan | 2 | $ 429,000 | $ 214,000 | $ 375,000 |
| Broward County Florida | 5 | $ 834,000 | $ 166,000 | $ 84,000 |
| Brown County Indiana | 43 | $ 8,103,000 | $ 188,000 | $ 188,000 |
| Brown County Ohio | 33 | $ 4,570,000 | $ 138,000 | $ 103,000 |
| Bullitt County Kentucky | 1 | $ 127,000 | $ 127,000 | $ 33,000 |
| Buncombe County North Carolina | 1 | $ 174,000 | $ 174,000 | $ 84,000 |
| Butler County Ohio | 1,743 | $ 292,538,000 | $ 167,000 | $ 104,000 |
| Campbell County Kentucky | 137 | $ 22,257,000 | $ 162,000 | $ 121,000 |
| Campbell County Tennessee | 12 | $ 3,153,000 | $ 262,000 | $ 237,000 |
| Carroll County Indiana | 2 | $ 314,000 | $ 157,000 | $ 99,000 |
| Catawba County North Carolina | 1 | $ 170,000 | $ 170,000 | $ 115,000 |
| Champaign County Ohio | 39 | $ 5,230,000 | $ 134,000 | $ 76,000 |
| Charleston County South Carolina | 1 | $ 300,000 | $ 300,000 | $ 129,000 |
| Chatham County North Carolina | 1 | $ 189,000 | $ 189,000 | $ 91,000 |
| Clark County Indiana | 4 | $ 677,000 | $ 169,000 | $ 122,000 |
| Clark County Ohio | 141 | $ 18,730,000 | $ 132,000 | $ 80,000 |
| Clay County Indiana | 1 | $ 126,000 | $ 126,000 | $ 89,000 |
| Clermont County Ohio | 846 | $ 157,627,000 | $ 186,000 | $ 109,000 |
| Cleveland County Oklahoma | 1 | $ 284,000 | $ 284,000 | $ 71,000 |
| Clinton County Indiana | 4 | $ 453,000 | $ 113,000 | $ 112,000 |
| Clinton County Ohio | 68 | $ 10,717,000 | $ 157,000 | $ 84,000 |
| Collier County Florida | 5 | $ 1,389,000 | $ 277,000 | $ 348,000 |
| Cook County Illinois | 5 | $ 2,069,000 | $ 413,000 | $ 218,000 |
| Coshocton County Ohio | 1 | $ 142,000 | $ 142,000 | $ 96,000 |
| Crawford County Ohio | 2 | $ 329,000 | $ 164,000 | $ 111,000 |
| Cumberland County Pennsylvania | 1 | $ 377,000 | $ 377,000 | $ 151,000 |
| Currituck County North Carolina | 1 | $ 417,000 | $ 417,000 | $ 185,000 |
| Cuyahoga County Ohio | 12 | $ 2,811,000 | $ 234,000 | $ 120,000 |
| Dane County Wisconsin | 1 | $ 102,000 | $ 102,000 | $ 63,000 |
| Darke County Ohio | 36 | $ 4,339,000 | $ 120,000 | $ 75,000 |
| Davidson County Tennessee | 2 | $ 181,000 | $ 90,000 | $ 118,000 |
| Dearborn County Indiana | 40 | $ 7,456,000 | $ 186,000 | $ 104,000 |
| Decatur County Indiana | 4 | $ 655,000 | $ 163,000 | $ 155,000 |
| DeKalb County Georgia | 1 | $ 129,000 | $ 129,000 | $ 72,000 |
| DeKalb County Indiana | 15 | $ 1,909,000 | $ 127,000 | $ 77,000 |
| Delaware County Indiana | 8 | $ 979,000 | $ 122,000 | $ 75,000 |
| Delaware County Ohio | 1,337 | $ 332,400,000 | $ 248,000 | $ 138,000 |
| Denver County Colorado | 1 | $ 417,000 | $ 417,000 | $ 88,000 |
| Deschutes County Oregon | 1 | $ 190,000 | $ 190,000 | $ 58,000 |
| Dubois County Indiana | 2 | $ 440,000 | $ 220,000 | $ 82,000 |
| Elkhart County Indiana | 4 | $ 1,266,000 | $ 316,000 | $ 198,000 |
| Emmet County Michigan | 1 | $ 223,000 | $ 223,000 | $ 1,124,000 |
| Erie County Ohio | 3 | $ 379,000 | $ 126,000 | $ 169,000 |
| Escambia County Florida | 1 | $ 120,000 | $ 120,000 | $ 0 |
| Fairfax County Virginia | 2 | $ 535,000 | $ 267,000 | $ 309,000 |
| Fairfield County Connecticut | 1 | $ 1,042,000 | $ 1,042,000 | $ 0 |
| Fairfield County Ohio | 384 | $ 61,572,000 | $ 160,000 | $ 94,000 |
| Fayette County Georgia | 2 | $ 600,000 | $ 300,000 | $ 231,000 |
| Fayette County Indiana | 1 | $ 40,000 | $ 40,000 | $ 77,000 |
| Fayette County Kentucky | 11 | $ 1,620,000 | $ 147,000 | $ 86,000 |
| Fayette County Ohio | 8 | $ 757,000 | $ 94,000 | $ 67,000 |
| Floyd County Indiana | 2 | $ 484,000 | $ 242,000 | $ 113,000 |
| Forsyth County Georgia | 1 | $ 636,000 | $ 636,000 | $ 290,000 |
| Franklin County Indiana | 8 | $ 1,483,000 | $ 185,000 | $ 94,000 |
| Franklin County Kentucky | 1 | $ 129,000 | $ 129,000 | $ 59,000 |
| Franklin County Ohio | 3,613 | $ 671,104,000 | $ 185,000 | $ 112,000 |
| Gallatin County Kentucky | 2 | $ 453,000 | $ 226,000 | $ 145,000 |
| Gallia County Ohio | 1 | $ 126,000 | $ 126,000 | $ 128,000 |
| Grant County Indiana | 8 | $ 1,017,000 | $ 127,000 | $ 71,000 |
| Grant County Kentucky | 11 | $ 1,631,000 | $ 148,000 | $ 140,000 |
| Greene County Indiana | 7 | $ 816,000 | $ 116,000 | $ 68,000 |
| Greene County Ohio | 892 | $ 162,826,000 | $ 182,000 | $ 106,000 |
| Greenville County South Carolina | 2 | $ 342,000 | $ 171,000 | $ 359,000 |
| Greenwood County South Carolina | 1 | $ 364,000 | $ 364,000 | $ 573,000 |
| Guernsey County Ohio | 3 | $ 668,000 | $ 222,000 | $ 221,000 |
| Hamilton County Indiana | 1,556 | $ 341,645,000 | $ 219,000 | $ 132,000 |
| Hamilton County Ohio | 3,206 | $ 652,082,000 | $ 203,000 | $ 130,000 |
| Hancock County Indiana | 169 | $ 27,379,000 | $ 162,000 | $ 104,000 |
| Hancock County Ohio | 6 | $ 602,000 | $ 100,000 | $ 95,000 |
| Hardin County Ohio | 3 | $ 316,000 | $ 105,000 | $ 114,000 |
| Harrison County Kentucky | 1 | $ 71,000 | $ 71,000 | $ 113,000 |
| Harrison County Ohio | 1 | $ 183,000 | $ 183,000 | $ 114,000 |
| Hendricks County Indiana | 385 | $ 66,143,000 | $ 171,000 | $ 100,000 |
| Henry County Indiana | 6 | $ 883,000 | $ 147,000 | $ 58,000 |
| Highland County Ohio | 14 | $ 1,809,000 | $ 129,000 | $ 122,000 |
| Hillsborough County Florida | 1 | $ 78,000 | $ 78,000 | $ 127,000 |
| Hocking County Ohio | 25 | $ 3,724,000 | $ 148,000 | $ 98,000 |
| Howard County Indiana | 29 | $ 4,006,000 | $ 138,000 | $ 96,000 |
| Huntington County Indiana | 10 | $ 1,617,000 | $ 161,000 | $ 78,000 |
| Huron County Ohio | 1 | $ 162,000 | $ 162,000 | $ 91,000 |
| Jackson County Indiana | 11 | $ 1,640,000 | $ 149,000 | $ 78,000 |
| Jackson County Ohio | 1 | $ 69,000 | $ 69,000 | $ 17,000 |
| Jasper County Indiana | 1 | $ 110,000 | $ 110,000 | $ 65,000 |
| Jay County Indiana | 3 | $ 437,000 | $ 145,000 | $ 81,000 |
| Jefferson County Indiana | 2 | $ 152,000 | $ 76,000 | $ 142,000 |
| Jefferson County Kentucky | 16 | $ 3,173,000 | $ 198,000 | $ 92,000 |
| Jennings County Indiana | 4 | $ 570,000 | $ 142,000 | $ 83,000 |
| Jessamine County Kentucky | 3 | $ 481,000 | $ 160,000 | $ 87,000 |
| Johnson County Indiana | 475 | $ 86,862,000 | $ 182,000 | $ 105,000 |
| Kalamazoo County Michigan | 1 | $ 96,000 | $ 96,000 | $ 112,000 |
| Kane County Illinois | 2 | $ 720,000 | $ 360,000 | $ 188,000 |
| Kendall County Illinois | 1 | $ 253,000 | $ 253,000 | $ 94,000 |
| Kent County Michigan | 1 | $ 122,000 | $ 122,000 | $ 95,000 |
| Kenton County Kentucky | 194 | $ 36,023,000 | $ 185,000 | $ 116,000 |
| Kings County New York | 1 | $ 1,191,000 | $ 1,191,000 | $ 117,000 |
| Knox County Indiana | 1 | $ 120,000 | $ 120,000 | $ 160,000 |
| Knox County Ohio | 41 | $ 6,839,000 | $ 166,000 | $ 113,000 |
| Knox County Tennessee | 2 | $ 729,000 | $ 364,000 | $ 370,000 |
| Kosciusko County Indiana | 17 | $ 2,884,000 | $ 169,000 | $ 90,000 |
| LaGrange County Indiana | 12 | $ 2,657,000 | $ 221,000 | $ 100,000 |
| Lake County Indiana | 2 | $ 350,000 | $ 175,000 | $ 46,000 |
| Lake County Ohio | 2 | $ 297,000 | $ 148,000 | $ 99,000 |
| Lancaster County Pennsylvania | 1 | $ 130,000 | $ 130,000 | $ 41,000 |
| LaPorte County Indiana | 1 | $ 172,000 | $ 172,000 | $ 158,000 |
| Lawrence County Indiana | 4 | $ 478,000 | $ 119,000 | $ 71,000 |
| Lawrence County Pennsylvania | 8 | $ 1,078,000 | $ 134,000 | $ 86,000 |
| Lebanon County Pennsylvania | 2 | $ 123,000 | $ 61,000 | $ 55,000 |
| Lee County Florida | 6 | $ 1,232,000 | $ 205,000 | $ 199,000 |
| Leelanau County Michigan | 3 | $ 857,000 | $ 285,000 | $ 245,000 |
| Licking County Ohio | 238 | $ 40,887,000 | $ 171,000 | $ 97,000 |
| Logan County Ohio | 51 | $ 8,187,000 | $ 160,000 | $ 124,000 |
| Lorain County Ohio | 2 | $ 338,000 | $ 169,000 | $ 158,000 |
| Los Angeles County California | 11 | $ 19,659,000 | $ 1,787,000 | $ 332,000 |
| Madison County Indiana | 58 | $ 7,925,000 | $ 136,000 | $ 87,000 |
| Madison County Kentucky | 2 | $ 366,000 | $ 183,000 | $ 62,000 |
| Madison County Ohio | 96 | $ 17,660,000 | $ 183,000 | $ 112,000 |
| Manatee County Florida | 2 | $ 744,000 | $ 372,000 | $ 220,000 |
| Maricopa County Arizona | 2 | $ 841,000 | $ 420,000 | $ 267,000 |
| Marion County Florida | 1 | $ 102,000 | $ 102,000 | $ 50,000 |
| Marion County Indiana | 1,418 | $ 229,074,000 | $ 161,000 | $ 104,000 |
| Marion County Ohio | 18 | $ 1,891,000 | $ 105,000 | $ 72,000 |
| Marshall County Indiana | 1 | $ 154,000 | $ 154,000 | $ 58,000 |
| Martin County Indiana | 1 | $ 31,000 | $ 31,000 | $ 51,000 |
| Mason County Kentucky | 2 | $ 309,000 | $ 154,000 | $ 92,000 |
| Mecklenburg County North Carolina | 1 | $ 197,000 | $ 197,000 | $ 307,000 |
| Medina County Ohio | 5 | $ 730,000 | $ 146,000 | $ 53,000 |
| Mercer County Ohio | 8 | $ 1,551,000 | $ 193,000 | $ 88,000 |
| Miami County Indiana | 1 | $ 200,000 | $ 200,000 | $ 70,000 |
| Miami County Ohio | 573 | $ 92,648,000 | $ 161,000 | $ 92,000 |
| Middlesex County Massachusetts | 1 | $ 195,000 | $ 195,000 | $ 180,000 |
| Monroe County Florida | 3 | $ 932,000 | $ 310,000 | $ 623,000 |
| Monroe County Indiana | 97 | $ 14,592,000 | $ 150,000 | $ 87,000 |
| Monterey County California | 2 | $ 765,000 | $ 382,000 | $ 187,000 |
| Montgomery County Indiana | 5 | $ 796,000 | $ 159,000 | $ 85,000 |
| Montgomery County Kentucky | 4 | $ 401,000 | $ 100,000 | $ 92,000 |
| Montgomery County Ohio | 2,718 | $ 397,048,000 | $ 146,000 | $ 95,000 |
| Morgan County Indiana | 78 | $ 15,101,000 | $ 193,000 | $ 115,000 |
| Morgan County Ohio | 2 | $ 189,000 | $ 94,000 | $ 28,000 |
| Morrow County Ohio | 32 | $ 4,946,000 | $ 154,000 | $ 100,000 |
| Muskingum County Ohio | 14 | $ 2,365,000 | $ 168,000 | $ 87,000 |
| Newton County Indiana | 1 | $ 349,000 | $ 349,000 | $ 81,000 |
| Noble County Indiana | 13 | $ 2,527,000 | $ 194,000 | $ 120,000 |
| Ohio County Indiana | 1 | $ 182,000 | $ 182,000 | $ 98,000 |
| Okaloosa County Florida | 1 | $ 144,000 | $ 144,000 | $ 70,000 |
| Oldham County Kentucky | 2 | $ 401,000 | $ 200,000 | $ 126,000 |
| Orange County California | 13 | $ 19,391,000 | $ 1,491,000 | $ 386,000 |
| Orange County Florida | 2 | $ 591,000 | $ 295,000 | $ 127,000 |
| Ottawa County Ohio | 3 | $ 713,000 | $ 237,000 | $ 81,000 |
| Owen County Indiana | 2 | $ 288,000 | $ 144,000 | $ 127,000 |
| Owen County Kentucky | 3 | $ 252,000 | $ 84,000 | $ 183,000 |
| Palm Beach County Florida | 15 | $ 8,817,000 | $ 587,000 | $ 215,000 |
| Parke County Indiana | 2 | $ 174,000 | $ 87,000 | $ 108,000 |
| Passaic County New Jersey | 1 | $ 192,000 | $ 192,000 | $ 160,000 |
| Paulding County Ohio | 5 | $ 557,000 | $ 111,000 | $ 88,000 |
| Pendleton County Kentucky | 2 | $ 478,000 | $ 239,000 | $ 134,000 |
| Perry County Ohio | 36 | $ 6,532,000 | $ 181,000 | $ 106,000 |
| Pickaway County Ohio | 84 | $ 15,880,000 | $ 189,000 | $ 88,000 |
| Pickens County South Carolina | 1 | $ 186,000 | $ 186,000 | $ 60,000 |
| Pike County Ohio | 2 | $ 522,000 | $ 261,000 | $ 149,000 |
| Pinal County Arizona | 1 | $ 132,000 | $ 132,000 | $ 260,000 |
| Pinellas County Florida | 9 | $ 1,961,000 | $ 217,000 | $ 186,000 |
| Pitkin County Colorado | 1 | $ 3,420,000 | $ 3,420,000 | $ 3,614,000 |
| Pocahontas County West Virginia | 2 | $ 448,000 | $ 224,000 | $ 0 |
| Polk County Florida | 1 | $ 100,000 | $ 100,000 | $ 67,000 |
| Portage County Ohio | 1 | $ 310,000 | $ 310,000 | $ 97,000 |
| Porter County Indiana | 3 | $ 471,000 | $ 157,000 | $ 94,000 |
| Posey County Indiana | 1 | $ 138,000 | $ 138,000 | $ 80,000 |
| Preble County Ohio | 59 | $ 7,362,000 | $ 124,000 | $ 77,000 |
| Pulaski County Kentucky | 2 | $ 205,000 | $ 102,000 | $ 153,000 |
| Putnam County Indiana | 7 | $ 1,179,000 | $ 168,000 | $ 148,000 |
| Randolph County Indiana | 1 | $ 133,000 | $ 133,000 | $ 119,000 |
| Richland County Ohio | 9 | $ 1,340,000 | $ 148,000 | $ 82,000 |
| Ripley County Indiana | 6 | $ 930,000 | $ 155,000 | $ 84,000 |
| Ross County Ohio | 13 | $ 1,805,000 | $ 138,000 | $ 83,000 |
| Rowan County Kentucky | 1 | $ 59,000 | $ 59,000 | $ 12,000 |
| Rush County Indiana | 2 | $ 395,000 | $ 197,000 | $ 99,000 |
| Rutherford County Tennessee | 1 | $ 188,000 | $ 188,000 | $ 73,000 |
| Salt Lake County Utah | 4 | $ 1,162,000 | $ 290,000 | $ 223,000 |
| Santa Barbara County California | 1 | $ 948,000 | $ 948,000 | $ 599,000 |
| Santa Rosa County Florida | 1 | $ 226,000 | $ 226,000 | $ 37,000 |
| Sarasota County Florida | 5 | $ 2,669,000 | $ 533,000 | $ 442,000 |
| Scioto County Ohio | 2 | $ 365,000 | $ 182,000 | $ 92,000 |
| Scott County Kentucky | 1 | $ 82,000 | $ 82,000 | $ 158,000 |
| Sevier County Tennessee | 1 | $ 255,000 | $ 255,000 | $ 171,000 |
| Shelby County Indiana | 42 | $ 7,462,000 | $ 177,000 | $ 110,000 |
| Shelby County Kentucky | 1 | $ 376,000 | $ 376,000 | $ 254,000 |
| Shelby County Ohio | 77 | $ 10,349,000 | $ 134,000 | $ 98,000 |
| Sonoma County California | 2 | $ 1,395,000 | $ 697,000 | $ 210,000 |
| St. Joseph County Indiana | 5 | $ 1,019,000 | $ 203,000 | $ 144,000 |
| St. Louis County Missouri | 1 | $ 325,000 | $ 325,000 | $ 335,000 |
| St. Lucie County Florida | 1 | $ 840,000 | $ 840,000 | $ 193,000 |
| Stafford County Virginia | 1 | $ 100,000 | $ 100,000 | $ 70,000 |
| Stark County Ohio | 2 | $ 216,000 | $ 108,000 | $ 49,000 |
| Steuben County Indiana | 17 | $ 3,067,000 | $ 180,000 | $ 142,000 |
| Suffolk County Virginia | 1 | $ 536,000 | $ 536,000 | $ 0 |
| Sullivan County Tennessee | 1 | $ 91,000 | $ 91,000 | $ 50,000 |
| Summit County Ohio | 8 | $ 1,423,000 | $ 177,000 | $ 102,000 |
| Summit County Utah | 2 | $ 1,063,000 | $ 531,000 | $ 435,000 |
| Sumter County Florida | 5 | $ 914,000 | $ 182,000 | $ 126,000 |
| Tippecanoe County Indiana | 14 | $ 2,103,000 | $ 150,000 | $ 88,000 |
| Tipton County Indiana | 5 | $ 632,000 | $ 126,000 | $ 85,000 |
| Tuscarawas County Ohio | 3 | $ 567,000 | $ 189,000 | $ 100,000 |
| Union County Indiana | 2 | $ 362,000 | $ 181,000 | $ 88,000 |
| Union County Ohio | 201 | $ 53,477,000 | $ 266,000 | $ 134,000 |
| Van Buren County Michigan | 1 | $ 394,000 | $ 394,000 | $ 259,000 |
| Van Wert County Ohio | 1 | $ 78,000 | $ 78,000 | $ 64,000 |
| Vanderburgh County Indiana | 6 | $ 723,000 | $ 120,000 | $ 81,000 |
| Vigo County Indiana | 4 | $ 550,000 | $ 137,000 | $ 184,000 |
| Volusia County Florida | 1 | $ 159,000 | $ 159,000 | $ 205,000 |
| Wabash County Indiana | 2 | $ 100,000 | $ 50,000 | $ 37,000 |
| Wake County North Carolina | 1 | $ 268,000 | $ 268,000 | $ 0 |
| Walton County Florida | 1 | $ 158,000 | $ 158,000 | $ 231,000 |
| Warren County Ohio | 2,066 | $ 429,118,000 | $ 207,000 | $ 122,000 |
| Warrick County Indiana | 1 | $ 109,000 | $ 109,000 | $ 27,000 |
| Washtenaw County Michigan | 1 | $ 183,000 | $ 183,000 | $ 405,000 |
| Wayne County Indiana | 4 | $ 617,000 | $ 154,000 | $ 74,000 |
| Wayne County Kentucky | 3 | $ 430,000 | $ 143,000 | $ 89,000 |
| Wells County Indiana | 12 | $ 1,491,000 | $ 124,000 | $ 68,000 |
| Westmoreland County Pennsylvania | 1 | $ 164,000 | $ 164,000 | $ 323,000 |
| White County Indiana | 2 | $ 335,000 | $ 167,000 | $ 141,000 |
| Whitley County Indiana | 28 | $ 4,093,000 | $ 146,000 | $ 88,000 |
| Whitley County Kentucky | 1 | $ 95,000 | $ 95,000 | $ 103,000 |
| Wood County Ohio | 3 | $ 678,000 | $ 226,000 | $ 148,000 |
| Woodford County Kentucky | 3 | $ 334,000 | $ 111,000 | $ 42,000 |
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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