Applications / Mortgage Analytics / Lenders / Ohio / The Home Loan Savings Bank
Coshocton, OH · Savings institution · FDIC · $376 million assets · 177 loans in 2025
The Home Loan Savings Bank's data, $215Buy the data, $2,110Get Jenner, the SAS-compatible software
177
loans originated, 2025
190
applications, 2025
1
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
The Home Loan Savings Bank, an Ohio savings institution that first reported its home lending in 2023, makes small loans and lends more to low- and moderate-income borrowers than most similar lenders.
Its typical loan was $145,000, against $235,000 at similar lenders (savings institutions making between half and twice as many loans); only about one in seven made smaller loans. Borrowers with low or moderate incomes (LMI) took 34.8% of its loans, against 24.8% at the typical similar lender, a higher share than at more than eight in ten. Its share in poorer neighborhoods, 23.9%, was also above peers' 16.4%.
It first reported in 2023, with 129 loans, then 182 in 2024 and 177 in 2025. That 3% dip came as similar lenders grew 7% and the whole market 10%. A change of five loans is too small to read much into.
All 15 of its counties are in Ohio. Its biggest market is non-metro Ohio, where it ranks 64 of 592 lenders and The Huntington National Bank leads. It is reaching into the cities: its share of Columbus rose 0.1 points, and it first lent in Akron in 2024 and Cleveland in 2025.
Purchases made up 63.3% of its loans, refinancing 29.4% and home improvement 6.2%. Every loan was conventional, with no government-backed lending. Manufactured homes took 4.5% of its loans, a sliver but above peers' 0.3%.
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, 2023–2025
Originated means the loan was made: applications denied, withdrawn or not accepted are not counted.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. The Home Loan Savings Bank took 190 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Purchase 63.3% · Refinance 29.4% · Home improvement 6.2% · Other 1.1%
Conventional 100.0% · of 177 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 | 177 | 100.0% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Columbus | 14 |
| Akron | 2 |
| Canton-Massillon | 2 |
| Cleveland | 1 |
| Mansfield | 1 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 254900DA567RNGIZFJ78 | 2023–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 468673 | 2023–2023 |
Established 1 January 1882. Reported under HMDA 2023-2025.
Mergers, name changes, data editions and corrections: The Home Loan Savings Bank's data.
The Home Loan Savings Bank's data
$215
The Home Loan 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 The Home Loan 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]