The Cincinnatus Savings & Loan Co. Mortgage Rates, Fees & Info

Cincinnati, OH

LEI: 549300EBN45MAXGIP071

Tax ID: 31-0241873

Latest/2024 | 2023 Data | 2022 Data | 2021 Data | 2020 Data | 2019 Data | 2018 Data

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Mortgage Data

  • Originations
  • Top Markets
  • Product Mix
  • Loan Reason
  • Typical Rates
  • Loan Sizes
  • Dwelling Types
  • Loan Length
  • Loan to Value Info
  • Debt-to-Income
  • Applicant Income
  • Ethnicity Info
  • Approval & Pick Rates
  • Points and Fees
  • Origination Fees (Closing Costs)

    • Review & Overview

    The Cincinnatus Savings & Loan Co. is a smaller mortgage company specializing in Home Purchase loans. The Cincinnatus Savings & Loan Co. has a high proportion of conventional loans. Their top (well, only) market is Cincinnati.

    The Cincinnatus Savings & Loan Co. 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

    41

    Origination Dollar Volume (All Markets)

    $13,905,000

    Top 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) 41 $13,905,000 $339,146 $0 0.00%
    The Cincinnatus Savings & Loan Co.'s top markets include and Cincinnati among others.

    Their top states include:
  • Ohio (FHA|USDA|VA)
  • Indiana (FHA|USDA|VA)
  • Kentucky (FHA|USDA|VA)

    • Product Mix

    Loan Type Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Conventional 41 $13,905,000 $339,146 $0 0.00%

    For 2024, The Cincinnatus Savings & Loan Co.'s most frequently originated type of loan was Conventional, with 41 originations.

    Loan Reason

    Loan Reason Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Home Purchase 32 $10,690,000 $334,063 $0 0.00%
    Refi 6 $2,200,000 $366,667 $0 0.00%
    Cash Out Refi 3 $1,015,000 $338,333 $0 0.00%

    For 2024, The Cincinnatus Savings & Loan Co.'s most frequently cited loan purpose was Home Purchase, with 32 originations. The 2nd most popular reason was Refi, with 6 originations.

    Loan Duration/Length

    Loan Length Originations Total Value Average Loan Average Fees Average Rate
    Other 41 $13,905,000 $339,146 $0 0.00%

    For 2024, The Cincinnatus Savings & Loan Co.'s most frequently cited loan duration was Other, with 41 originations.

    Loan Sizing

    Loan Size Originations Total Value Average Loan Average Fees Average Rate
    $200k-400k 18 $4,980,000 $276,667 $0 0.00%
    $100k-200k 9 $1,315,000 $146,111 $0 0.00%
    $400k-600k 6 $3,180,000 $530,000 $0 0.00%
    $600k-1MM 4 $3,110,000 $777,500 $0 0.00%
    $100,000 or less 3 $155,000 $51,667 $0 0.00%
    $1MM+ 1 $1,165,000 $1,165,000 $0 0.00%

    2024 saw The Cincinnatus Savings & Loan Co. place emphasis on $200k-400k loans with 18 originations, totaling $4,980,000 in origination value.

    Applicant Income

    Applicant Income Originations Total Value Average Loan Average Fees Average Rate
    $150k-250k 10 $4,970,000 $497,000 $0 0.00%
    $100k-150k 9 $2,055,000 $228,333 $0 0.00%
    $50k-75k 7 $1,435,000 $205,000 $0 0.00%
    $250k+ 5 $3,415,000 $683,000 $0 0.00%
    $50k or less 5 $1,075,000 $215,000 $0 0.00%
    $75k-100k 5 $955,000 $191,000 $0 0.00%

    The Cincinnatus Savings & Loan Co. lent most frequently to those with incomes in the $150k-250k range, with 10 originations. The second most popular income band? $100k-150k, with 9 originations.

    Applicant Debt to Income Ratio

    DTI Ratio Originations Total Value Average Loan Average Fees Average Rate
    Exempt% 41 $13,905,000 $339,146 $0 0.00%

    The Cincinnatus Savings & Loan Co. lent most frequently to those with DTI ratios of Exempt%, with 41 originations.

    Ethnicity Mix

    Applicant Ethnicity Originations Total Value Average Loan Average Fees Average Rate
    White 37 $12,025,000 $325,000 $0 0.00%
    Asian Indian 1 $1,165,000 $1,165,000 $0 0.00%
    Asian 1 $325,000 $325,000 $0 0.00%
    Other Asian 1 $225,000 $225,000 $0 0.00%
    Black 1 $165,000 $165,000 $0 0.00%

    Approval Rates

    Total approvals of all applications
    96.15%

    The Cincinnatus Savings & Loan Co. has an exceptionally high approval rate. They either target their audience very well or may have lax underwriting protocols.

    Pick Rate

    Approvals leading to origination
    80.49%

    The Cincinnatus Savings & Loan Co. has a below average pick rate.

    Points and Fees

    Points Originations Total Value Average Loan
    Exempt 41 $13,905,000 $339,146

    Occupancy Type Mix

    Dwelling Type Originations Total Value Average Loan
    41 $13,905,000 $339,146