Applications / Mortgage Analytics / Lenders / Ohio / Monroe Federal Savings and Loan Association
Tipp City, OH · Savings institution · OCC · $148 million assets · 42 loans in 2025
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42
loans originated, 2025
48
applications, 2025
3
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Monroe Federal Savings and Loan Association is a small Dayton-area savings lender making modest conventional loans, whose 42 loans in 2025 are too few to support firm conclusions about its borrower mix.
It made 42 loans in 2025, up 17% from 36, while similar lenders (savings institutions making between half and twice as many loans) were flat. It filed no HMDA report for 2020 or 2021, when small lenders were exempt, so those years are gaps, not years without lending. Its 81 loans in 2022 stand out.
Its typical loan of $135,000 is lower than about six in seven similar lenders, against $245,000 for the group, and every loan was conventional. That may reflect lower house prices in the markets it serves.
Dayton-Kettering-Beavercreek, where it has lent since before 1990, remains its main market, at 0.2% of the dollars and rank 89 of 443. It first appears in Lima in 2024 and in Indianapolis and Flint in 2025, each with a share near zero, possibly a handful of borrowers.
35.7% of its loans went to LMI (low- and moderate-income) borrowers, against 22.6% for similar lenders. On 42 loans, a few borrowers move these figures a lot, so they 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Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. Years with no HMDA report from this lender are left out: since 2020 a bank making fewer than 100 closed-end loans a year need not report. Monroe Federal Savings and Loan Association took 48 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Purchase 76.2% · Refinance 21.4% · Home improvement 2.4%
Conventional 100.0% · of 42 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 | 40 | 95.2% |
| Indiana | 1 | 2.4% |
| Michigan | 1 | 2.4% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Dayton-Kettering-Beavercreek | 29 |
| Lima | 4 |
| Springfield | 3 |
| Flint | 1 |
| Indianapolis-Carmel-Greenwood | 1 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 254900P3FG3HDU6NKK74 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 576578 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 43692 | 1990–2010 |
| Respondent ID (the HMDA filer code before 2018) | 1703692 | 2011–2016 |
Established 1 January 1875. Reported under HMDA 1990-2025.
Mergers, name changes, data editions and corrections: Monroe Federal Savings and Loan Association's data.
Monroe Federal Savings and Loan Association's data
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Monroe Federal Savings and Loan Association 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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