Applications / Mortgage Analytics / Lenders / Ohio / First State Bank
Winchester, OH · State non-member bank · FDIC · $1.2 billion assets · 379 loans in 2025
First State Bank's data, $215Buy the data, $2,110Get Jenner, the SAS-compatible software
379
loans originated, 2025
541
applications, 2025
5
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
First State Bank, an Ohio bank, makes small loans, and nearly a third of them go to poorer neighborhoods, about double the share at similar banks.
Purchases made up 34.0% of its loans, refinancing 29.8% and home improvement 18.5%. Its typical loan was $105,000, against $180,000 at similar lenders (state non-member banks making between half and twice as many loans), among the lowest tenth. Manufactured homes were 12.1% of its loans, against 1.9%.
Low- and moderate-income (LMI) neighborhoods took 31.7% of its loans, against 16.2% at similar lenders, more than at about nine in ten. LMI borrowers took 35.6%, against 28.4%, more than at about four in five.
Higher-priced loans (a rate well above the average for similar loans) were 5.8% of its lending, against 1.7% at similar lenders, and its typical rate was 7.50%, against 6.75%. Its mix could account for most of the gap: manufactured-home, home-improvement and other-purpose loans are often priced above first mortgages, and they make up far more of its lending than of peers'.
It made 379 loans, 11% fewer than in 2024, while similar lenders grew 9% and the whole market 10%. In Cincinnati, where it has lent since at least 1990, its share eased from 0.2% to 0.1%; a few fewer loans could account for that. Its largest market is non-metro Ohio, where it ranks 56 of 592.
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Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. First State Bank took 541 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Purchase 34.0% · Refinance 29.8% · Home improvement 18.5% · Other 17.7%
Conventional 100.0% · of 379 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 | 352 | 92.9% |
| Kentucky | 23 | 6.1% |
| West Virginia | 2 | 0.5% |
| Indiana | 1 | 0.3% |
| Tennessee | 1 | 0.3% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Cincinnati | 113 |
| Huntington-Ashland | 5 |
| Columbus | 4 |
| Cleveland | 1 |
| Dayton-Kettering-Beavercreek | 1 |
| Springfield | 1 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 54930065TMWOWFAXBL88 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 294023 | 2010–2023 |
| Respondent ID (the HMDA filer code before 2018) | 39437 | 2009–2017 |
Established 1 January 1934. Reported under HMDA 2009-2025.
Mergers, name changes, data editions and corrections: First State Bank's data.
First State Bank's data
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