Applications / Mortgage Analytics / Lenders / Ohio / Peoples First Savings Bank
Mason, OH · State non-member bank · FDIC · $105 million assets · 37 loans in 2025
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37
loans originated, 2025
42
applications, 2025
1
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Peoples First Savings Bank, a Cincinnati-area bank that has reported since 1990, rebounded in 2025, with loans up 76% to 37, though it lends at a fifth of its 2020 pace.
Its loans rose from 21 to 37, faster than at almost all similar lenders (state non-member banks making between half and twice as many loans), whose typical count was unchanged; the whole market rose 10%. The base was its lowest since at least 2018. It made 183 loans in 2020 and 129 as late as 2022.
Refinances made up 54.1% of its loans and purchases 43.2%. Its typical loan, $195,000, was a little larger than the $175,000 at similar lenders. Every loan was conventional, with no government-backed lending and none on manufactured homes.
Some 29.7% of its loans went to low- and moderate-income (LMI) neighborhoods, against 18.8% at the typical similar lender, more than at three in four of them. With 37 loans, that share rests on few mortgages and could swing in a year.
It ranked 181 of 621 lenders in the Cincinnati market, with a share of 0.1%, unchanged from 2024. United Wholesale Mortgage ranks first there, ahead of Union Savings Bank and Fifth Third 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, 2018–2025
Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. Peoples First Savings Bank took 42 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Refinance 54.1% · Purchase 43.2% · Home improvement 2.7%
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 |
|---|---|---|
| Ohio | 37 | 100.0% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Cincinnati | 36 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 5493004KSSKCAP8VUU37 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 363778 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 45752 | 1990–2010 |
| Respondent ID (the HMDA filer code before 2018) | 330688 | 2011–2017 |
Established 1 January 1909. Reported under HMDA 1990-2025.
Mergers, name changes, data editions and corrections: Peoples First Savings Bank's data.
Peoples First Savings Bank's data
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