Off the bottom
It made 128 loans in 2025, up from 92, while similar lenders (savings institutions making between half and twice as many loans) grew 6% and the whole market 10%. It is still far below the 483 it made five years before.
Applications / Mortgage Analytics / Lenders / Ohio / Greenville Federal
Greenville Federal
Greenville, OH · Savings institution · OCC · $269 million assets · 128 loans in 2025
Greenville Federal's data, $215Buy the data, $2,110Get Jenner, the SAS-compatible software
128
loans originated, 2025
152
applications, 2025
4
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Greenville Federal, a small Ohio savings institution that mostly lends to buyers, grew 39% in 2025, faster than nearly nine in ten similar lenders.
Smaller loans, lower rates
Purchases were 66.4% of its lending. Its typical loan was $150,000, against $245,000 at similar lenders, lower than more than four in five of them. Its typical rate was 6.38%, against 6.50%.
More lending in poorer neighborhoods
Low- and moderate-income (LMI) neighborhoods took 10.2% of its loans, up from 2.2% in 2024, though still below similar lenders' 17.2%. Where it lends, around Dayton and in non-metro Ohio, is one possible reason. Its share to LMI borrowers, 25.5%, was near the middle of its peers.
Small shares near Dayton
In Dayton-Kettering-Beavercreek it ranked 54 of 443 lenders with a 0.3% share, down 0.1 points, in a market led by Wright-Patt Credit Union. A few loans either way could explain a change that small. In Springfield, OH its share rose 0.2 points.
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
128 loans in 2025, against a peak of 483 in 2020.
Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. Greenville Federal took 152 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
66.4% of its 2025 loans were purchase loans; all were conventional loans.
Purchase 66.4% · Refinance 22.7% · Home improvement 10.2% · Other 0.8%
Conventional 100.0% · of 128 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
4 states, 5 metros, 15 counties
| State | Loans | Share |
|---|---|---|
| Ohio | 122 | 95.3% |
| Indiana | 2 | 1.6% |
| Tennessee | 2 | 1.6% |
| Florida | 1 | 0.8% |
Largest metro areas, 2025
Loans originated
| Metro area | Loans |
|---|---|
| Dayton-Kettering-Beavercreek | 55 |
| Springfield | 5 |
| Deltona-Daytona Beach-Ormond Beach | 1 |
| Indianapolis-Carmel-Greenwood | 1 |
| Knoxville | 1 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 549300SC9Z72JZIKY819 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 567679 | 2017–2023 |
| Respondent ID (the HMDA filer code before 2018) | 1700641 | 2017–2017 |
Established 1 January 1883. Reported under HMDA 2017-2025.
Mergers, name changes, data editions and corrections: Greenville Federal's data.
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