Lender in Ohio · HMDA 2025
Union Savings Bank mortgages in Ohio
Union Savings Bank's 2025 home-purchase and refinance lending in Ohio, compared with all lenders in the state.
Union Savings Bank originated 3,664 owner-occupied single-family loans in Ohio from 3,951 completed applications, making it the state's #6 lender by volume.
Its median conventional purchase loan costs were $2,160 versus $4,610 for all Ohio lenders, at a median 30-year fixed rate of 6.625% (Ohio: 6.625%).
Loans in OH
3,664
of 3,951 applications
Denial rate
4.6%
Purchase · OH 7.1%
Rate spread
+0.25 pts
Conv. · OH +0.22 pts
Loan amount
$315,000
Purchase · OH $245,000
By loan purpose
| Purpose | Applications | Loans | Denial rate | 30-yr rate* | Rate spread* | Loan costs* | Median loan |
|---|---|---|---|---|---|---|---|
| Home purchase | 2,504 | 2,344 | 4.6% | 6.625% | +0.25 pts | $2,160 | $315,000 |
| Refinance | 1,123 | 1,045 | 5.1% | 6.375% | −0.11 pts | $870 | $275,000 |
| Cash-out refinance | 324 | 275 | 12.3% | 6.625% | +0.16 pts | $1,390 | $205,000 |
*Conventional loans only; medians with at least 20 loans.
Ohio counties where Union Savings Bank ranks in the top 25
| County | Rank | Loans | Market share |
|---|---|---|---|
| Miami County | 1 | 169 | 9.2% |
| Montgomery County | 2 | 642 | 8.3% |
| Warren County | 2 | 387 | 8.2% |
| Greene County | 2 | 231 | 8.3% |
| Hamilton County | 3 | 565 | 5.2% |
| Butler County | 3 | 353 | 6.2% |
| Clermont County | 4 | 175 | 4.7% |
| Clinton County | 5 | 26 | 4.5% |
| Fayette County | 6 | 20 | 5.1% |
| Clark County | 7 | 63 | 3.2% |
| Franklin County | 10 | 442 | 2.6% |
| Delaware County | 10 | 129 | 2.9% |
| Preble County | 10 | 16 | 2.5% |
| Union County | 11 | 34 | 2.1% |
| Champaign County | 11 | 10 | 2.1% |
| Fairfield County | 13 | 61 | 2.2% |
| Madison County | 13 | 16 | 2.0% |
| Darke County | 13 | 11 | 1.7% |
| Licking County | 14 | 53 | 1.9% |
| Highland County | 14 | 11 | 2.2% |
| Perry County | 14 | 8 | 1.9% |
| Shelby County | 16 | 8 | 1.7% |
| Geauga County | 20 | 14 | 1.2% |
| Knox County | 21 | 11 | 1.2% |
| Morrow County | 21 | 6 | 1.2% |
| Pickaway County | 22 | 17 | 1.3% |
Source: FFIEC/CFPB HMDA 2025 public LAR. Statistical profile, not a review or offer. Methodology