Applications / Mortgage Analytics / Lenders / Ohio / The Cincinnatus Savings & Loan Company
Cincinnati, OH · Savings institution · FDIC · $184 million assets · 69 loans in 2025
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69
loans originated, 2025
91
applications, 2025
3
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
The Cincinnatus Savings & Loan Company, a Cincinnati savings institution that has reported its lending since at least 1990, raised its loans by 68% in 2025 while similar lenders barely grew.
Its loans rose from 41 to 69, faster than about nineteen in twenty similar lenders (savings institutions making between half and twice as many loans), whose loans rose 2%. The whole market grew 10%. The rise follows a long fall. The lender made 219 loans in 2020 and only 34 in 2023, so it remains well short of that peak.
Some 46.0% of its loans went to low- and moderate-income borrowers, up from 28.9% a year before. That is higher than at more than nine in ten similar lenders, whose typical share was 25.4%. In poorer neighborhoods its share, 15.9%, is close to theirs. With only 69 loans, a few borrowers can move these shares a long way.
Every loan was conventional; none was backed by a government agency. Home purchases made up 65.2% of its lending and refinancing 30.4%. Its typical loan, $235,000, was close to similar lenders' $245,000.
It lends in a single metro area, Cincinnati, where it ranked 116 of 621 lenders with 0.1% of the market, unchanged from 2024. United Wholesale Mortgage, Union Savings Bank and Fifth Third Bank lead that market.
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Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. The Cincinnatus Savings & Loan Company took 91 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Purchase 65.2% · Refinance 30.4% · Home improvement 4.3%
Conventional 100.0% · of 69 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 | 58 | 84.1% |
| Indiana | 7 | 10.1% |
| Kentucky | 4 | 5.8% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Cincinnati | 69 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 549300EBN45MAXGIP071 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 815772 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 41016 | 1990–2010 |
| Respondent ID (the HMDA filer code before 2018) | 328157 | 2011–2017 |
Established 1 January 1885. Reported under HMDA 1990-2025.
Mergers, name changes, data editions and corrections: The Cincinnatus Savings & Loan Company's data.
The Cincinnatus Savings & Loan Company's data
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The Cincinnatus Savings & Loan Company 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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Every mortgage application reported under HMDA from 1990 to 2025, cleaned and corrected, every lender followed across name changes and mergers, with the market-share and fair-lending tables behind these pages and the Jenner programs that built them: the warehouse and the datamart, as Parquet files.
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