Applications / Mortgage Analytics / Lenders / Illinois / Union Savings Bank
Freeport, IL · Savings institution · FDIC · $181 million assets · 112 loans in 2025
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112
loans originated, 2025
138
applications, 2025
4
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Union Savings Bank grew faster than nearly all similar thrifts in 2025, and its share of the Rockford market rose from 0.3% to 1.2%.
Its loans rose 72%, from 65 to 112, against 6% at similar lenders (savings institutions making between half and twice as many loans) and 10% for the whole market. Purchases made up 67.0% of its loans and refinances 33.0%, all conventional.
Its share of Rockford rose 0.9 points, putting it 25th of 302 lenders, in a market it has served since at least 1990. GreenState Credit Union led there with $147.2M.
It made 30.4% of its loans in low- and moderate-income neighborhoods, against 17.0% at similar lenders and 21.5% for itself in 2024. Its share in majority-minority neighborhoods rose to 16.1% from 3.1%, against 5.6% at similar lenders. Its Rockford growth may explain the shift, if the new loans came from that city's neighborhoods.
Even after the jump, it made about a third as many loans as the 326 of 2020. Its count fell each year from then to 62 in 2023 before turning up.
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Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. Union Savings Bank took 138 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Purchase 67.0% · Refinance 33.0%
Conventional 100.0% · of 112 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 |
|---|---|---|
| Illinois | 107 | 95.5% |
| Arkansas | 2 | 1.8% |
| Wisconsin | 2 | 1.8% |
| Indiana | 1 | 0.9% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Rockford | 49 |
| Bloomington | 2 |
| Davenport-Moline-Rock Island | 1 |
| Janesville-Beloit | 1 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 549300OEWY869SOVHF18 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 817477 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 42946 | 1990–1991 |
| Respondent ID (the HMDA filer code before 2018) | 329121 | 1992–2017 |
Established 1 January 1883. Reported under HMDA 1990-2025.
Mergers, name changes, data editions and corrections: Union Savings Bank's data.
Union Savings Bank's data
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Union Savings 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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