Applications / Mortgage Analytics / Lenders / Ohio / Unified Bank
Martins Ferry, OH · State non-member bank · FDIC · $852 million assets · 171 loans in 2025
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171
loans originated, 2025
241
applications, 2025
4
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Unified Bank makes small, plain loans, and half of them go to borrowers of low or moderate income, a larger share than at almost any similar lender.
Some 49.6% of Unified Bank's loans went to low- and moderate-income (LMI) borrowers, up from 37.6% a year earlier. Similar lenders, state non-member banks making between half and twice as many loans, managed 27.9%, and nearly all of them came in lower. Small loans may make such lending easier, and small loans are what this bank writes. That matters to a bank examined under the Community Reinvestment Act.
Every loan was conventional, with no government-backed lending and no jumbo loans (larger than the conforming limit). The typical loan was $115,000, against $175,000 at similar lenders, smaller than at more than four in five of them. So although it made more loans than the typical peer, 171 against 145, it lent less money: $28.4 million against $40.6 million.
Wheeling is its biggest market. It ranks 7 of 145 lenders there, with 3.8% of the dollars, barely changed from 3.7%; WesBanco Bank and Belmont Savings Bank lead. It has lent there since 1990. In Weirton-Steubenville its share rose from 0.4% to 1.0%, lifting it to 21 of 149.
Its loans rose 2% in 2025, to 171, while similar lenders and the market as a whole each grew 10%. That leaves it at a little over half its 2020 total of 301. Its small home markets, where it ranks high, may offer less room to grow than the market as a whole.
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Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. Unified Bank took 241 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Purchase 60.8% · Refinance 26.9% · Home improvement 8.2% · Other 4.1%
Conventional 100.0% · of 171 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 | 129 | 75.4% |
| West Virginia | 39 | 22.8% |
| Pennsylvania | 2 | 1.2% |
| Florida | 1 | 0.6% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Wheeling | 92 |
| Weirton-Steubenville | 18 |
| Canton-Massillon | 13 |
| Columbus | 12 |
| Akron | 5 |
| Cleveland | 4 |
| Morgantown | 2 |
| Pittsburgh | 2 |
| North Port-Bradenton-Sarasota | 1 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 2549001ZX3163R62TB83 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 584724 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 39463 | 1990–2017 |
Established 1 January 1902. Reported under HMDA 1990-2025.
Mergers, name changes, data editions and corrections: Unified Bank's data.
Unified Bank's data
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Unified 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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