Applications / Mortgage Analytics / Lenders / Ohio / Miami Savings Bank
Miamitown, OH · State non-member bank · FDIC · $134 million assets · 28 loans in 2025
Miami Savings Bank's data, $215Buy the data, $2,110Get Jenner, the SAS-compatible software
28
loans originated, 2025
35
applications, 2025
2
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Miami Savings Bank's lending has shrunk from 175 loans in 2020 to 28 in 2025, so its record reads more as a two-year surge that ended than as a change in what kind of lender it is.
The bank made 61 loans a year in 2018 and 2019, 175 in 2020 and 125 in 2021, then fell each year to 22 in 2024. The surge and its unwinding sit on a steady base of conventional loans of ordinary size, so the bank's business may have changed less than its volume. Its 2025 total remains below its 2018 level.
Originations rose 27% in 2025, while similar lenders (state non-member banks making between half and twice as many loans) fell 2% and the whole market rose 10%. At 28 loans, though, a handful of extra borrowers makes that rise, so it says little about a trend.
Its typical loan was $190,000 against $175,000 for similar lenders, near the middle of the group, and all its loans were conventional. It ranks 204 of 621 lenders in the Cincinnati metro, where it has lent since before 1990. With so few loans, its shares of LMI and majority-minority lending are too small to read much into.
Questions the data can answer next
Similar lenders: same lender type, originations between half and twice the lender's in the data year. Written from the 2025 HMDA data and checked figure by figure against it.
FIG. 1 — LOANS ORIGINATED, 2018–2025
Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. Miami Savings Bank took 35 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Purchase 57.1% · Refinance 42.9%
Conventional 100.0% · of 28 loans. Purchase: buying a home. Refinance: replacing an existing mortgage, including cash-out. FHA: insured by the Federal Housing Administration. VA: guaranteed by the Department of Veterans Affairs. Conventional: neither.
SOURCE: FFIEC HMDA 2025, LOANS ORIGINATED
Where it lends, 2025
| State | Loans | Share |
|---|---|---|
| Ohio | 17 | 60.7% |
| Indiana | 11 | 39.3% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Cincinnati | 26 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 549300XZNW8Y7BOTQ597 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 367178 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 48104 | 1990–2010 |
| Respondent ID (the HMDA filer code before 2018) | 332293 | 2011–2017 |
Established 27 December 1909. Reported under HMDA 1990-2025.
Mergers, name changes, data editions and corrections: Miami Savings Bank's data.
Miami Savings Bank's data
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Miami Savings Bank and its peers, 2018–2025: every application in the HMDA data, cleaned and corrected, as Parquet files, with the Jenner programs that made these pages.
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