Applications / Mortgage Analytics / Lenders / Ohio / Southern Hills Community Bank
Leesburg, OH · Savings institution · OCC · $205 million assets · 52 loans in 2025
Southern Hills Community Bank's data, $215Buy the data, $2,110Get Jenner, the SAS-compatible software
52
loans originated, 2025
71
applications, 2025
1
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Southern Hills Community Bank, an Ohio savings bank, makes far smaller loans than similar lenders and lends more of them to low- and moderate-income borrowers.
Its typical loan was $95,000, against $245,000 at similar lenders: savings institutions making between half and twice as many loans. That is smaller than nearly all of them. Manufactured homes, usually cheaper than site-built ones, made up 15.4% of its loans, against none at the typical peer, which may explain part of the gap. Its lending total, $7.6 million, is among the lowest tenth.
Borrowers with low or moderate incomes took 40.8% of its loans, against 26.1% at similar lenders, more than at about six in seven of them. It also put 25.0% of its loans in such neighborhoods, against 17.0%.
Its loans fell 10% to 52, while the typical similar lender was unchanged. It made 121 loans in 2021 and 113 in 2022. Refinancing, at 48.1% of its loans, is its largest line, and the figures do not say why volume fell.
Its largest market is non-metro Ohio, where it ranks 163 of 592 lenders, behind The Huntington National Bank and Rocket Mortgage. In Cincinnati and Dayton-Kettering-Beavercreek its share rounds to nothing.
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Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. Southern Hills Community Bank took 71 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Refinance 48.1% · Purchase 26.9% · Other 17.3% · Home improvement 7.7%
Conventional 100.0% · of 52 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 | 52 | 100.0% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Cincinnati | 9 |
| Dayton-Kettering-Beavercreek | 1 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 549300LYVRGGGBBPPV22 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 352370 | 2017–2023 |
| Respondent ID (the HMDA filer code before 2018) | 1704013 | 2017–2017 |
Established 1 January 1884. Reported under HMDA 2017-2025.
Mergers, name changes, data editions and corrections: Southern Hills Community Bank's data.
Southern Hills Community Bank's data
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Southern Hills Community 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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