Applications / Mortgage Analytics / Lenders / Ohio / Union Savings Bank
Cincinnati, OH · Savings institution · FDIC · $4.0 billion assets · 8,105 loans in 2025
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8,105
loans originated, 2025
10,072
applications, 2025
32
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Union Savings Bank grew 19% in 2025, nearly twice the whole market's 10%, and gained share in Cincinnati, where it ranks second only to United Wholesale Mortgage.
It made 8,105 loans, up 19%, faster than about three in five similar lenders (savings institutions making between a quarter and four times as many loans), whose loans rose 14%. That is up from 6,766 in 2023 but far below the 28,862 of 2020.
In Cincinnati it ranks 2 of 621, and its share rose 0.5 points to 4.5%. In Dayton-Kettering-Beavercreek it also ranks second, holding 7.8%, behind Wright Patt Credit Union. In Indianapolis its share rose 0.3 points to 1.6%.
Loans in LMI (low- and moderate-income) areas rose to 13.7% from 7.8% five years ago, and lending in majority-minority areas to 7.4% from 3.1%. Loans to LMI borrowers rose to 23.4% from 18.2%. The majority-minority share is still lower than about seven in ten similar lenders, which may reflect the make-up of the Ohio markets it serves.
For first-lien home-purchase applications on owner-occupied homes it turned down 4.6%, against 7.5% for similar lenders, lower than about two-thirds; for refinance applications 6.0%, against 22.6%, lower than more than nine in ten. Higher-priced loans (a rate well above the average for similar loans) were 0.2%.
Questions the data can answer next
Similar lenders: same lender type, originations between a quarter and four times the lender's. 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Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. Union Savings Bank took 10,072 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Purchase 52.2% · Refinance 27.7% · Home improvement 14.2% · Other 5.9%
Conventional 93.0% · FHA 4.8% · VA 1.8% · USDA (RHS or FSA) 0.4% · of 8,105 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 | 5,594 | 69.0% |
| Indiana | 1,546 | 19.1% |
| Pennsylvania | 550 | 6.8% |
| Kentucky | 178 | 2.2% |
| Florida | 127 | 1.6% |
| California | 14 | 0.2% |
| Michigan | 12 | 0.1% |
| Tennessee | 12 | 0.1% |
| North Carolina | 10 | 0.1% |
| Georgia | 9 | 0.1% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Cincinnati | 2,465 |
| Dayton-Kettering-Beavercreek | 1,459 |
| Columbus | 1,308 |
| Indianapolis-Carmel-Greenwood | 1,004 |
| Pittsburgh | 498 |
| Fort Wayne | 307 |
| Cleveland | 145 |
| Springfield | 79 |
| Columbus | 52 |
| Akron | 31 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 549300HFBEONQN2CK447 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 911973 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 48109 | 1990–2010 |
| Respondent ID (the HMDA filer code before 2018) | 332296 | 2011–2017 |
Established 1 March 1904. Reported under HMDA 1990-2025.
Mergers, name changes, data editions and corrections: Union Savings Bank's data.
Union Savings Bank's data
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