Applications / Mortgage Analytics / Lenders / Ohio / United Midwest Savings Bank
Degraff, OH · National bank · OCC · $507 million assets · 45 loans in 2025
United Midwest Savings Bank's data, $215Buy the data, $2,110Get Jenner, the SAS-compatible software
45
loans originated, 2025
68
applications, 2025
1
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
United Midwest Savings Bank lends almost entirely in poorer neighborhoods: 93.3% of its 45 loans in 2025 were in low- and moderate-income tracts, the highest share among similar banks.
Similar lenders, national banks making between half and twice as many loans, placed 16.7% of their loans in low- and moderate-income neighborhoods; United Midwest Savings Bank placed 93.3%. Some 51.1% of its loans went to majority-minority neighborhoods, against 8.6% at peers, and 42.2% to low- and moderate-income borrowers, against 23.6%. With 45 loans in two counties, a few neighborhoods decide these shares.
Purchases made up 75.6% of its loans and refinances the rest. All were conventional. Its typical loan was $255,000, against $175,000 at similar lenders, larger than at about seven in ten of them.
It made 45 loans, up 32% from 34, while similar lenders grew 2%. It filed no report for 2018 to 2021, and has reported between 34 and 52 loans a year since 2022. Its largest market is Columbus, where it has lent since 1992 and holds a tiny share of a market led by The Huntington National Bank.
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, 2022–2025
Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. Years with no HMDA report from this lender are left out: since 2020 a bank making fewer than 100 closed-end loans a year need not report. United Midwest Savings Bank took 68 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Purchase 75.6% · Refinance 24.4%
Conventional 100.0% · of 45 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 | 45 | 100.0% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Columbus | 30 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 2549001D7C68ND5CZH86 | 2022–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 809276 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 48266 | 1992–2010 |
| Respondent ID (the HMDA filer code before 2018) | 1708266 | 2013–2016 |
Established 5 May 1889. Reported under HMDA 1992-2025.
Mergers, name changes, data editions and corrections: United Midwest Savings Bank's data.
United Midwest Savings Bank's data
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United Midwest 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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