Community Savings Bank Mortgage Rates, Fees & Info
Bethel, OHLEI: 2549009O1XK0YQZXEL45
Tax ID: 31-0216000
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Mortgage Data
Review & Overview
Community Savings Bank is a smaller bank specializing in Home Purchase loans. Community Savings Bank has a high proportion of conventional loans. Their top two markets are Cincinnati and Columbus .Community Savings Bank has an above average approval rate when compared to the average across all lenders. They have a below average pick rate when compared to similar lenders.
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Originations
12Origination Dollar Volume (All Markets)
$3,170,000Top Markets
Zoom/scroll map to see bank's per metro statistics. Subscribers can configure state/metro/county granularity, assorted fields and quantity of results. This map shows top 10 markets in the map viewport, as defined by descending origination volume.
| Market | Originations | Total Value | Average Loan | Average Fees | Average Rate |
|---|---|---|---|---|---|
| CINCINNATI, OH-KY-IN (FHA|USDA|VA) | 11 | $2,235,000 | $203,182 | $0 | 0.00% |
| COLUMBUS, OH (FHA|USDA|VA) | 1 | $935,000 | $935,000 | $0 | 0.00% |
Product Mix
| Loan Type | Originations | Total Value | Avg. Loan | Avg. Fees | Avg. Rate |
|---|---|---|---|---|---|
| Conventional | 12 | $3,170,000 | $264,167 | $0 | 0.00% |
For 2023, Community Savings Bank's most frequently originated type of loan was Conventional, with 12 originations.
Loan Reason
| Loan Reason | Originations | Total Value | Avg. Loan | Avg. Fees | Avg. Rate |
|---|---|---|---|---|---|
| Home Purchase | 9 | $2,845,000 | $316,111 | $0 | 0.00% |
| Cash Out Refi | 2 | $290,000 | $145,000 | $0 | 0.00% |
| Other | 1 | $35,000 | $35,000 | $0 | 0.00% |
For 2023, Community Savings Bank's most frequently cited loan purpose was Home Purchase, with 9 originations. The 2nd most popular reason was Cash Out Refi, with 2 originations.
Loan Duration/Length
| Loan Length | Originations | Total Value | Average Loan | Average Fees | Average Rate |
|---|---|---|---|---|---|
| Other | 12 | $3,170,000 | $264,167 | $0 | 0.00% |
For 2023, Community Savings Bank's most frequently cited loan duration was Other, with 12 originations.
Loan Sizing
2023 saw Community Savings Bank place emphasis on $100k-200k loans with 5 originations, totaling $875,000 in origination value.
Applicant Income
Community Savings Bank lent most frequently to those with incomes in the $100k-150k range, with 1 originations. The second most popular income band? $250k+, with 1 originations.
Applicant Debt to Income Ratio
| DTI Ratio | Originations | Total Value | Average Loan | Average Fees | Average Rate |
|---|---|---|---|---|---|
| Exempt% | 12 | $3,170,000 | $264,167 | $0 | 0.00% |
Community Savings Bank lent most frequently to those with DTI ratios of Exempt%, with 12 originations.
Ethnicity Mix
| Applicant Ethnicity | Originations | Total Value | Average Loan | Average Fees | Average Rate |
|---|---|---|---|---|---|
| Not applicable | 8 | $1,880,000 | $235,000 | $0 | 0.00% |
| White | 4 | $1,290,000 | $322,500 | $0 | 0.00% |
Approval Rates
Total approvals of all applications93.75%
Community Savings Bank has an average approval rate.
Pick Rate
Approvals leading to origination75.00%
Community Savings Bank has a below average pick rate.
Points and Fees
| Points | Originations | Total Value | Average Loan |
|---|---|---|---|
| Exempt | 12 | $3,170,000 | $264,167 |