Applications / Mortgage Analytics / Lenders / Ohio / The Savings Bank
Circleville, OH · State non-member bank · FDIC · $517 million assets · 138 loans in 2025
The Savings Bank's data, $215Buy the data, $2,110Get Jenner, the SAS-compatible software
138
loans originated, 2025
165
applications, 2025
1
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
The Savings Bank, of Circleville, Ohio, bounced back in 2025, raising its loans by 64% after a thin 2024, far faster than similar lenders.
Its loans rose to 138 from 84, faster than at all but about one in twenty similar lenders (state non-member banks making between half and twice as many loans), whose loans grew 9%. The whole market grew 10%. Even so, 2025 fell short of every year from 2018 to 2023, when it made between 161 and 283 loans.
Borrowers on low or moderate incomes (LMI) took 37.5% of its loans, against 28.0% at similar lenders, more than at about four in five of them. Loans in LMI neighborhoods made up 27.5%, against 17.5%. Banks are examined on both under the Community Reinvestment Act.
Purchases made up 63.0% of its lending and refinances 34.8%. None of its loans was government-backed. Its typical loan rose to $225,000 from $160,000, above the $175,000 of similar lenders.
Columbus is its largest market. It ranked 81st of 596 lenders there, with 0.2% of lending, up from 0.1%. The Huntington National Bank leads that market by a wide margin.
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Originated means the loan was made: applications denied, withdrawn or not accepted are not counted.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 Savings Bank took 165 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Purchase 63.0% · Refinance 34.8% · Other 1.4% · Home improvement 0.7%
Conventional 100.0% · of 138 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 | 138 | 100.0% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Columbus | 129 |
| Dayton-Kettering-Beavercreek | 2 |
| Cleveland | 1 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 5493002RL75O2Y62Z184 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 578116 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 313216 | 1990–2017 |
Established 20 April 1912. Reported under HMDA 1990-2025.
Mergers, name changes, data editions and corrections: The Savings Bank's data.
The Savings Bank's data
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The 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.
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