Applications / Mortgage Analytics / Lenders / Ohio / Ohio State Bank
Bexley, OH · State non-member bank · FDIC · $483 million assets · 45 loans in 2025
Ohio State Bank's data, $215Buy the data, $2,110Get Jenner, the SAS-compatible software
45
loans originated, 2025
51
applications, 2025
1
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Ohio State Bank, a young Columbus bank that first reported in 2022, makes few loans but big ones: its typical loan of $425,000 was more than twice that of similar banks.
Its typical loan was $425,000, against $165,000 at the typical similar lender (state non-member banks making between half and twice as many loans), larger than at more than nine in ten of them. So although it made 45 loans to the typical peer's 54, it lent $29.0 million, more than twice their $13.5 million. Most of its loans, 68.9%, were for home purchase.
None of its loans went to low- and moderate-income (LMI) borrowers; the typical peer's share was 27.9%. Big purchase loans may point to buyers with higher incomes, and on 45 loans a few borrowers either way change the picture. Its share in poorer neighborhoods (LMI tracts), 16.3%, was near the middle of its peers, and none of its loans was higher-priced (at a rate well above the average for similar loans).
Its only metro market is Columbus, where its share rose from 0.1% to 0.2% and it ranked 98 of 596 lenders. The Huntington National Bank leads that market with $1.15B.
The bank was established in 2019 and first reported in 2022, with 107 loans. It made 51 and then 39 before rising 15% to 45 in 2025, while similar banks grew by 3%. Years before 2022 are gaps in the record, not years without lending.
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, 2022–2025
Originated means the loan was made: applications denied, withdrawn or not accepted are not counted.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. Ohio State Bank took 51 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Purchase 68.9% · Refinance 28.9% · Home improvement 2.2%
Conventional 100.0% · of 45 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 | 45 | 100.0% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Columbus | 45 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 549300PNCXQN31IE5142 | 2022–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 5312593 | 2022–2023 |
Established 22 April 2019. Reported under HMDA 2022-2025.
Mergers, name changes, data editions and corrections: Ohio State Bank's data.
Ohio State Bank's data
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Ohio State Bank 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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