Applications / Mortgage Analytics / Lenders / Ohio / Woodsfield Savings Bank
Woodsfield, OH · State non-member bank · FDIC · $115 million assets · 65 loans in 2025
Woodsfield Savings Bank's data, $215Buy the data, $2,110Get Jenner, the SAS-compatible software
65
loans originated, 2025
93
applications, 2025
1
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Woodsfield Savings Bank is a small Ohio savings bank that makes only conventional mortgages, split almost evenly between purchases and refinances, and holds 16th place in the Wheeling market.
All 65 of its loans in 2025 were conventional, with no government-backed lending. Purchases made up 52.3% and refinances 47.7%. Its typical loan was $135,000, against $175,000 at similar lenders (state non-member banks making between half and twice as many loans), so its dollar volume of $10.2 million was lower than at about four in five of them.
Its loans slipped 3%, to 65, while similar lenders grew 9% and the whole market 10%. Since it first reported in 2018 its yearly count has moved between 46 and 101, so one flat year says little about direction.
It ranks 16 of 145 lenders in Wheeling, where its share eased from 1.5% to 1.2%. WesBanco Bank and Belmont Savings Bank lead that market. A share this small moves with a handful of loans.
Only 1.5% of its loans went to low- and moderate-income (LMI) neighborhoods, among the lowest tenth of similar lenders, down from 23.8% five years before. Yet 27.7% of its borrowers had LMI incomes, near the middle of its peers, so the gap may lie in where its customers live rather than who they are. Its lending is spread over nine mostly rural Ohio counties, which may hold few such tracts, and on 65 loans a few either way move the figure a long way.
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Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. Woodsfield Savings Bank took 93 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Purchase 52.3% · Refinance 47.7%
Conventional 100.0% · of 65 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 | 65 | 100.0% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Wheeling | 24 |
| Columbus | 2 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 2549005VXCHU3KAB6N44 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 97279 | 2018–2023 |
Established 12 March 1887. Reported under HMDA 2018-2025.
Mergers, name changes, data editions and corrections: Woodsfield Savings Bank's data.
Woodsfield Savings Bank's data
$215
Woodsfield 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.
Buy Woodsfield Savings Bank's data, $215Jenner Mortgage Analytics: all the data
$2,110
Every mortgage application reported under HMDA from 1990 to 2025, cleaned and corrected, every lender followed across name changes and mergers, with the market-share and fair-lending tables behind these pages and the Jenner programs that built them: the warehouse and the datamart, as Parquet files.
Buy the data, $2,110Jenner, the SAS-compatible software
See prices
Jenner runs programs written in the SAS language. It drew every chart on these pages and fitted the fair-lending model, PROC GLIMMIX on 3.5 million applications. Run the programs that come with the data, or your own.
Get JennerQuestions, or the data and Jenner together: [email protected]