Applications / Mortgage Analytics / Lenders / Indiana / Union Savings and Loan Association
Connersville, IN · Savings institution · OCC · $258 million assets · 139 loans in 2025
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139
loans originated, 2025
179
applications, 2025
2
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Union Savings and Loan Association, a small Indiana thrift, lends far more often than its peers to borrowers and neighborhoods of modest income, and most of its loans are refinancings.
In 2025, 39.6% of its loans went to low- and moderate-income (LMI) borrowers, against 24.8% at similar lenders, savings institutions making between half and twice as many loans. That is higher than at nearly nine in ten of them. In LMI neighborhoods the figure was 26.5%, against 16.9%, and up from 20.9% in 2020. Such numbers count for a thrift examined under the Community Reinvestment Act.
Refinancings made up 56.1% of its loans and purchases 41.7%. Every loan was conventional. The typical loan was $145,000, against $245,000 at similar lenders, so it lent $31.7 million while the typical peer, with almost the same number of loans, lent $46.1 million.
It made 139 loans, up 9% from 127, close to the 6% of similar lenders and the 10% of the market. That growth put it near the middle of its group. Its 2025 total is a little over half the 260 it made in 2020.
It has lent in rural Indiana since 1998 and reaches 18 counties in two states. In the larger metro areas it also serves, Cincinnati among them, its share rounds to nothing.
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Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. Union Savings and Loan Association took 179 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Refinance 56.1% · Purchase 41.7% · Other 1.4% · Home improvement 0.7%
Conventional 100.0% · of 139 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 |
|---|---|---|
| Indiana | 130 | 93.5% |
| Ohio | 6 | 4.3% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Indianapolis-Carmel-Greenwood | 13 |
| Cincinnati | 8 |
| Columbus | 1 |
| Dayton-Kettering-Beavercreek | 1 |
| Muncie | 1 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 5493006VVC2EW2KLYK29 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 677970 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 44369 | 1998–2010 |
| Respondent ID (the HMDA filer code before 2018) | 1704369 | 2011–2017 |
Established 1 August 1937. Reported under HMDA 1998-2025.
Mergers, name changes, data editions and corrections: Union Savings and Loan Association's data.
Union Savings and Loan Association's data
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Union 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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