Applications / Mortgage Analytics / Lenders / Ohio / The Union Bank Company
Columbus Grove, OH · State non-member bank · FDIC · $1.2 billion assets · 794 loans in 2025
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794
loans originated, 2025
1,040
applications, 2025
31
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
The Union Bank Company is the second-largest lender in Lima, OH, and an Ohio bank whose loans reach 31 states, with more government-backed lending than most similar banks.
It ranked 2 of 154 in Lima, OH, where it has reported since before 1990, behind Superior Credit Union. Its share fell 1.2 points to 4.8%. Shares are measured in dollars, and its typical loan fell from $165,000 to $155,000, which could account for part of it; competitors' growth is another possibility.
FHA loans (insured by the Federal Housing Administration) were 5.4% of its lending, against 0.3% at similar lenders (state non-member banks making between half and twice as many loans), and VA loans (guaranteed by the Department of Veterans Affairs) 1.3%, against 0.4%. Both are higher than most peers. Its loans reached 31 states and 62 metros.
LMI (low- and moderate-income) borrowers received 32.5% of its loans, against 26.5% at peers, higher than about three-quarters of them, and up from 21.9% five years before. It turned down 3.5% of first-lien home-purchase applications on owner-occupied homes, lower than about seven in ten peers.
Originations rose 7%, from 742 to 794, against 10% for similar lenders and for the whole market, near the middle of its peers. Its purpose mix leans to purchase loans (39.9%) and refinances (31.6%).
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Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. The Union Bank Company took 1,040 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Purchase 39.9% · Refinance 31.6% · Home improvement 16.6% · Other 11.8%
Conventional 93.3% · FHA 5.4% · VA 1.3% · of 794 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 | 703 | 88.5% |
| Florida | 10 | 1.3% |
| Illinois | 10 | 1.3% |
| Georgia | 9 | 1.1% |
| Pennsylvania | 6 | 0.8% |
| Colorado | 5 | 0.6% |
| Kentucky | 5 | 0.6% |
| Massachusetts | 5 | 0.6% |
| Virginia | 4 | 0.5% |
| Mississippi | 3 | 0.4% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Columbus | 190 |
| Lima | 119 |
| Toledo | 71 |
| Sandusky | 8 |
| Atlanta-Sandy Springs-Roswell | 6 |
| Chicago-Naperville-Schaumburg | 6 |
| Cincinnati | 6 |
| Cleveland | 5 |
| Denver-Aurora-Centennial | 4 |
| Boston | 3 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 254900BDGU9FU91PQA51 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 780218 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 312969 | 1995–2017 |
Established 21 November 1904. Reported under HMDA 1995-2025.
Mergers, name changes, data editions and corrections: The Union Bank Company's data.
The Union Bank Company's data
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