Applications / Mortgage Analytics / Lenders / Ohio / Valley Central Bank
Liberty Township, OH · Savings institution · FDIC · $187 million assets · 74 loans in 2025
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74
loans originated, 2025
86
applications, 2025
3
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Valley Central Bank is a small Ohio savings institution that mostly finances home purchases, and it lends to low- and moderate-income borrowers far more than similar lenders do.
Purchases made up 74.3% of its loans in 2025; refinances and other loans were 12.2% each. Its typical loan, $220,000, was a little smaller than the $245,000 of similar lenders (savings institutions making between half and twice as many loans).
Borrowers of low and moderate income (LMI) took 43.7% of its loans, against 24.3% at similar lenders, a higher share than about nine in ten of them. Five years earlier the share was 21.0%. Its share in LMI neighborhoods, 24.3%, was also above the peer figure of 17.5%. With 74 loans, a handful either way moves these shares.
It made 74 loans in 2025, against 77 a year earlier and 443 in 2020. Fewer refinancings may explain part of the fall: refinances are now only 12.2% of its loans. In 2025 similar lenders grew 4% and the whole market 10%, so it lost a little ground. Its loan count sits near the middle of its peers, but its dollar volume, $19.2 million, is lower than about seven in ten of them.
Cincinnati is its largest market, where it has lent since at least 1990. It ranked 143 of 621 lenders there, with 0.1% of the dollars, down 0.1 points. United Wholesale Mortgage led. With so few loans, one or two large ones can account for a change of that size.
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Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. Valley Central Bank took 86 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Purchase 74.3% · Other 12.2% · Refinance 12.2% · Home improvement 1.4%
Conventional 94.6% · FHA 5.4% · of 74 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 | 70 | 94.6% |
| Kentucky | 3 | 4.1% |
| Michigan | 1 | 1.4% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Cincinnati | 66 |
| Dayton-Kettering-Beavercreek | 3 |
| Toledo | 2 |
| Cleveland | 1 |
| Columbus | 1 |
| Monroe | 1 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 549300KL7MLR63WYCF68 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 320070 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 41834 | 1990–1992 |
| Respondent ID (the HMDA filer code before 2018) | 328555 | 1993–2017 |
Established 1 January 1884. Reported under HMDA 1990-2025.
Mergers, name changes, data editions and corrections: Valley Central Bank's data.
Valley Central Bank's data
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Valley Central 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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