Applications / Mortgage Analytics / Lenders / Pennsylvania / United Savings Bank
Philadelphia, PA · Savings institution · FDIC · $448 million assets · 37 loans in 2025
United Savings Bank's data, $215Buy the data, $2,110Get Jenner, the SAS-compatible software
37
loans originated, 2025
51
applications, 2025
2
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
United Savings Bank, a Philadelphia savings institution, makes fewer but larger loans than similar lenders, and its count rose in 2025 while theirs fell.
It made 37 loans, up 48% from 25, while similar lenders, savings institutions making between half and twice as many loans, made 4% fewer. Even so, it lends at about half its pace of 2018 and 2019, when it made 71 and 78. It filed no report for 2020 to 2022, so the path between is unknown.
Its typical loan was $325,000, unchanged from 2024, against $245,000 at similar lenders, larger than at about two-thirds of them. Refinances made up 43.2% of its loans and purchases 37.8%. All were conventional.
It has lent in Philadelphia-Camden-Wilmington since at least 1990 and ranked 282 of 784 there. It has also lent in Atlantic City-Hammonton since 1993, where it ranked 203 of 423. With 37 loans, its shares of these large markets are small, and a few loans either way change them.
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Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. 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 Savings Bank took 51 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Refinance 43.2% · Purchase 37.8% · Other 13.5% · Home improvement 5.4%
Conventional 100.0% · of 37 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 |
|---|---|---|
| Pennsylvania | 29 | 78.4% |
| New Jersey | 8 | 21.6% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Philadelphia | 24 |
| Camden | 5 |
| Montgomery County-Bucks County-Chester County | 5 |
| Atlantic City-Hammonton | 3 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 549300YQIT31SHVP5K64 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 459372 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 42458 | 1990–1990 |
| Respondent ID (the HMDA filer code before 2018) | 328836 | 1991–2017 |
Established 1 January 1923. Reported under HMDA 1990-2025.
Mergers, name changes, data editions and corrections: United Savings Bank's data.
United Savings Bank's data
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