Fewer loans than in 2024
Its loans fell 20%, to 35 from 44, while similar lenders (state member banks making between half and twice as many loans) held steady and the whole market grew 10%. On a book this small, a few borrowers make the difference.
Applications / Mortgage Analytics / Lenders / Ohio / The Twin Valley Bank
The Twin Valley Bank
West Alexandria, OH · State member bank · FRS · $146 million assets · 35 loans in 2025
The Twin Valley Bank's data, $215Buy the data, $2,110Get Jenner, the SAS-compatible software
35
loans originated, 2025
36
applications, 2025
1
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
The Twin Valley Bank is a small Ohio lender, with 35 home loans in 2025, all conventional and spread across 10 counties.
Smaller than its peers
Its lending totaled $7.4 million, against $16.1 million at a typical similar lender. Its typical loan was $155,000, against $195,000, and it made no jumbo loans (larger than the conforming limit). Purchases were 54.3% of its loans and other purposes 20.0%.
Gaps in the record
The bank first reported under the Home Mortgage Disclosure Act in 2004 but filed no report for 2018 to 2022. Small banks need not report every year, and since 2020 one making fewer than 100 closed-end loans a year is exempt. Those years are gaps in the record, not years without lending.
Thin across many markets
Its largest market is non-metro Ohio, where it ranked 229th of 592 lenders. It also lends in Cincinnati, Dayton and Springfield, and made its first loans in Columbus in 2025, with too little in any metro to register a share.
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
35 loans in 2025, against a peak of 44 in 2024.
Originated means the loan was made: applications denied, withdrawn or not accepted are not counted.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 Twin Valley Bank took 36 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
54.3% of its 2025 loans were purchase loans; all were conventional loans.
Purchase 54.3% · Refinance 25.7% · Other 20.0%
Conventional 100.0% · of 35 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
1 state, 4 metros, 10 counties
| State | Loans | Share |
|---|---|---|
| Ohio | 35 | 100.0% |
Largest metro areas, 2025
Loans originated
| Metro area | Loans |
|---|---|
| Dayton-Kettering-Beavercreek | 10 |
| Cincinnati | 7 |
| Columbus | 1 |
| Springfield | 1 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 254900RI9HK0A9FEXL63 | 2023–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 381026 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 2381026 | 2004–2013 |
Established 1 January 1888. Reported under HMDA 2004-2025.
Mergers, name changes, data editions and corrections: The Twin Valley Bank's data.
The data and the software behind these pages
The Twin Valley Bank's data
$215
The Twin Valley 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 Twin Valley 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]