Applications / Mortgage Analytics / Lenders / Ohio / The Home Savings and Loan Company of Kenton, Ohio
Kenton, OH · Depository institution · FDIC · 94 loans in 2025
The Home Savings and Loan Company of Kenton, Ohio's data, $215Buy the data, $2,110Get Jenner, the SAS-compatible software
94
loans originated, 2025
111
applications, 2025
4
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
The Home Savings and Loan Company of Kenton, Ohio, in only its second year of public reporting, grew its lending by 45% and lends across four states.
Its loans rose from 65 to 94. Similar lenders (depository institutions of its type making between half and twice as many loans, a group of only ten) saw theirs fall 3%, and the whole market grew 10%. It first reported in 2024, so there is no longer record to judge it by. Refinances made up 54.3% of its loans.
More than half its loans, 52.7%, went to low- and moderate-income (LMI) tracts, against 10.0% at similar lenders. LMI borrowers took 39.6%, against 20.8%. The tract share rose from 42.6% in 2024, though a peer group of ten is a thin yardstick.
It lent in 18 counties across four states in 2025. In Lexington, Kentucky, it ranks 72 of 389 lenders, and its share rose to 0.2% from 0.1%. In 2025 it also first lent in Wilmington, North Carolina, and in rural Tennessee. For a savings and loan named after an Ohio town, the reach is unusual, and the data do not say how its loans are sourced.
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, 2024–2025
Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. The Home Savings and Loan Company of Kenton, Ohio took 111 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Refinance 54.3% · Purchase 39.4% · Home improvement 4.3% · Other 2.1%
Conventional 93.6% · FHA 6.4% · of 94 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 | 47 | 50.0% |
| Kentucky | 45 | 47.9% |
| North Carolina | 1 | 1.1% |
| Tennessee | 1 | 1.1% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Lexington-Fayette | 33 |
| Columbus | 2 |
| Louisville/Jefferson County | 1 |
| Wilmington | 1 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 549300VW06LULRDNSW49 | 2024–2025 |
Established date not on record. Reported under HMDA 2024-2025.
Mergers, name changes, data editions and corrections: The Home Savings and Loan Company of Kenton, Ohio's data.
The Home Savings and Loan Company of Kenton, Ohio's data
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The Home Savings and Loan Company of Kenton, Ohio 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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