Name of the lender

Western and Southern Financial GrouMortgage rates, total loan costs and denial rate, 2025

HMDA year2025

Years filed2025

Head office: Cincinnati, OH
Reporting agency: Department of Housing and Urban Development (HUD)
Legal Entity Identifier (LEI)

Figures by state (CSV)

Western and Southern Financial Grou reported 132 mortgage applications in the HMDA data of 2025.

It originated 26 loans in 2025, for $862 million in total.

This page shows no median interest rate for 2025: under 20 loans with a rate.

This page shows no median total loan costs, because fewer than 20 loans report the amount.

It denied 0.0% of the applications that it decided in 2025, and the national denial rate was 22.6%.

Filed figures of Western and Southern Financial Grou, 2025
Figure	This lender	United States
Applications	132Under 0.1% of the US total	11,766,671
Loans originated	26$862 million	6,827,891
Median interest rate	n/aWhy there is no median	6.375%
Median total loan costs	n/a	$6,413
Denial rate	0.0%	22.6%

HMDA data are generally not used alone to determine whether a lender is complying with fair lending laws. The data do not include some legitimate credit risk considerations for loan approval and loan pricing decisions.
The words of the Consumer Financial Protection Bureau (CFPB). Source: Consumer Financial Protection Bureau, Summary of 2023 Data on Mortgage Lending (11 July 2024), copied on 2 Oct 2026. The figures on this page are from the HMDA data of 2025, the snapshot dataset.

Since the last update

No change on record

No tracked figure of this lender has changed since this site started its record. The record compares each update of the HMDA data with the update before it. The record of updates.

PricingMedians of 2025 loans

Median interest rate, 2025Not shown

A median needs 20 loans with a reported interest rate. No loan of the lender is in the loans that the medians use.

Medians are for originated closed-end loans with a first lien. Reverse mortgages, open-end lines of credit and loans for a business purpose are not in the medians.

Action takenHMDA codes and labels

Records of Western and Southern Financial Grou by the action taken, 2025
Action taken	Records	Share of records	US share
1Loan originated	26	19.7%	50.4%
2Application approved but not accepted	20	15.2%	3.1%
3Application denied	0	0.0%	15.6%
4Application withdrawn by applicant	86	65.2%	12.6%
5File closed for incompleteness	0	0.0%	5.1%
6Purchased loan	0	0.0%	11.7%
7Preapproval request denied	0	0.0%	0.4%
8Preapproval request approved but not accepted	0	0.0%	1.1%

The denial rate is code 3 divided by codes 1, 2 and 3: the applications that the lender decided. Codes 4 and 5 are applications with no decision. Code 6 is a loan that the lender bought.

Denial reasonsFirst reason coded

The lender has fewer than 25 denials in 2025, so this page shows no reasons.

Loan types and purposesLoans of 2025

Applications of Western and Southern Financial Grou by loan type
Loan type	Applications	Loans originated	Denial rate
Conventional	132	26	0.0%US 23.4%

Applications of Western and Southern Financial Grou by loan purpose
Loan purpose	Applications	Loans originated	Share of loans
Home purchase	0	0	0.0%
Home improvement	0	0	0.0%
Refinancing	0	0	0.0%
Cash-out refinancing	0	0	0.0%
Other purpose	0	0	0.0%

The denial rate of a loan type is the denied applications divided by the decided applications of that type. It is "n/a" under 25 decided applications.

States where it lends0 states with 25 applications or more

No state has 25 applications of this lender or more.

Figures by yearHMDA 2022 to 2025

Western and Southern Financial Grou by HMDA year"n/a" shows a year with fewer than 25 applications, or a year that this site does not process.
Year	Applications	Loans originated	Median interest rate	Median total loan costs	Denial rate	Records filed
2025	132	26	n/a	n/a	0.0%	132
2024	n/a	n/a	n/a	n/a	n/a	n/a
2023	n/a	n/a	n/a	n/a	n/a	n/a
2022	n/a	n/a	n/a	n/a	n/a	n/a

Records filed is the count on the lender's HMDA transmittal sheet. It includes purchased loans and requests for preapproval.

Denial rate by year: Western and Southern Financial Grou and the United States

Western and Southern Financial GrouUnited States

Peer lenders12 lenders

These lenders originated a count of loans close to the count of this lender, in the same states. The site compares the applications of each lender by state. The list is not a ranking.

CODE Credit unionDayton, OH
Credit Union of OhioHilliard, OH
Fairfield Federal Savings & Loan Association of LancasterLancaster, OH
First Federal Bank of OhioGalion, OH
First Federal Savings & Loan Association of LorainLorain, OH
Peoples State BankNew Lexington, OH
River Valley Credit UnionMiamisburg, OH
Somerville BankEaton, OH
The Home Savings and Loan Company of Kenton, OhioKenton, OH
Treadwell Credit UnionMoraine, OH
Unity Catholic FCUParma, OH
Williamstown Bank Inc.Williamstown, WV

Official channelsLinks checked 2 Oct 2026

HMDA Data Browser (FFIEC and CFPB)The HMDA records of this lender, with a CSV download.
Submit a complaint (Consumer Financial Protection Bureau)The CFPB form for a complaint about a mortgage or a lender.

Cite this page

Page: Lender Register, "Western and Southern Financial Grou mortgage rates, 2025", https://lenderregister.com/lender/54930077bz6u5ac0nj12-western-and-southern-financial-grou/
Lender: Western and Southern Financial Grou, LEI 54930077BZ6U5AC0NJ12
Source: Federal Financial Institutions Examination Council and Consumer Financial Protection Bureau, Home Mortgage Disclosure Act data, 2025, snapshot dataset
Data date: HMDA year 2025. Page made 2 Oct 2026.

Provenance

The figures come from the public HMDA loan/application register of 2022 to 2025. The count of records filed comes from the transmittal sheets of 2025 to 2025. The FFIEC and the CFPB publish them at ffiec.cfpb.gov. The name, the head office and the agency are from the newest transmittal sheet of the LEI.

This site withholds a figure with fewer than 25 applications and a median with fewer than 20 loans. Method of the figures. Terms. Report an error.

Questions

How many loans did Western and Southern Financial Grou buy from other lenders in 2025?: It reported no purchased loans. HMDA counts a purchased loan apart from the applications, so the denial rate does not include it.
Which loan types did Western and Southern Financial Grou originate in 2025?: All its loans were of one type: 26 Conventional.
How many records did Western and Southern Financial Grou file for 2025?: Its transmittal sheet counts 132 records. The count includes purchased loans and requests for preapproval, so it is not the count of applications.