Applications / Mortgage Analytics / Lenders / Ohio / Somerville Bank
Eaton, OH · State non-member bank · FDIC · $287 million assets · 85 loans in 2025
Somerville Bank's data, $215Buy the data, $2,110Get Jenner, the SAS-compatible software
85
loans originated, 2025
112
applications, 2025
4
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Somerville Bank, a small Ohio bank that has reported since 1993, makes about as many loans as the typical similar bank, but a fraction of the 382 it made in 2020.
Its 85 loans in 2025 matched the typical similar lender, a state non-member bank making between half and twice as many loans. In 2020 it made 382, and in 2021 it made 331. Its count fell to 66 by 2023. In 2025 it slipped 10% from 94, while the typical peer grew 9%.
Purchase loans made up 64.7% of its lending and refinances 30.6%. Nearly all its loans, 96.5%, were conventional. Its typical loan rose to $195,000 from $150,000, a little above the peers' $175,000.
Low- and moderate-income (LMI) borrowers took 30.4% of its loans, close to the 27.7% at the typical peer. That share was 40.7% in 2024; with 85 loans, a few borrowers move it a long way.
Somerville lends in 17 counties in four states. In Cincinnati, its largest metro and a market it has served since 1993, it ranked 185 of 621 lenders with 0.1% of the market. United Wholesale Mortgage led there. It ranked 208 of 592 in non-metro Ohio.
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Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. Somerville Bank took 112 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Purchase 64.7% · Refinance 30.6% · Other 4.7%
Conventional 96.5% · FHA 2.4% · USDA (RHS or FSA) 1.2% · of 85 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 | 68 | 80.0% |
| Indiana | 15 | 17.6% |
| Kentucky | 1 | 1.2% |
| Michigan | 1 | 1.2% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Cincinnati | 43 |
| Dayton-Kettering-Beavercreek | 5 |
| Columbus | 2 |
| Detroit-Dearborn-Livonia | 1 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 549300FHRL270LZY2I23 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 411624 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 19859 | 1993–2017 |
Established 10 October 1910. Reported under HMDA 1993-2025.
Mergers, name changes, data editions and corrections: Somerville Bank's data.
Somerville Bank's data
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Somerville 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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