Applications / Mortgage Analytics / Lenders / Ohio / The Covington Savings and Loan Association
Covington, OH · Savings institution · OCC · $82.7 million assets · 21 loans in 2025
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21
loans originated, 2025
28
applications, 2025
1
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
The Covington Savings and Loan Association is a very small Ohio thrift that made 21 home loans in 2025, mostly modest conventional loans for house purchases.
It made 21 loans in 2025, one more than in 2024. Similar lenders (savings institutions making between half and twice as many loans) grew 4%, and the whole market 10%. The thrift made 70 loans in 2020 and between 20 and 25 a year since 2023; the record does not say why. At this size a few loans either way move every figure.
Its typical loan was $125,000, against $245,000 at similar lenders, smaller than nearly nine in ten of them, though on 21 loans that is a rough guide. Purchases made up 76.2% of its loans and refinances 14.3%. Every loan was conventional, with none insured or guaranteed by a government agency.
The thrift has reported loans in Dayton-Kettering-Beavercreek since 1990, where it ranks 165 of 443 lenders and holds a share of 0.1%, while Wright-Patt Credit Union leads. It also lends in Springfield and in non-metro Ohio. Its shares of loans to poorer borrowers and neighborhoods rest on too few loans to read much into.
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Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. The Covington Savings and Loan Association took 28 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Purchase 76.2% · Refinance 14.3% · Home improvement 4.8% · Other 4.8%
Conventional 100.0% · of 21 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 | 21 | 100.0% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Dayton-Kettering-Beavercreek | 17 |
| Springfield | 2 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 2549009FXR8PWETMRA43 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 835079 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 4827 | 1990–2010 |
| Respondent ID (the HMDA filer code before 2018) | 1700827 | 2011–2017 |
Established 1 January 1886. Reported under HMDA 1990-2025.
Mergers, name changes, data editions and corrections: The Covington Savings and Loan Association's data.
The Covington Savings and Loan Association's data
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The Covington Savings and Loan Association 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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