Lenders › Union Savings Bank › Ohio
Union Savings Bank in Ohio
HMDA record for properties in Ohio, calendar year 2024. National record · Ohio overview
HMDA data alone cannot be used 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. Cells under 25 applications are withheld.
Union Savings Bank's 2024 HMDA record for Ohio covers 6,201 applications, 4,775 of them originated, worth $1.2bn.
Its denial rate in the state was 8.3%, below the Ohio rate of 23.5% across all lenders and compared with the lender's national rate of 7.5%.
The median rate spread on its Ohio originations was 0.3 percentage points (state median 0.5).
Applications in the state were about level with 2023.
Compared with the state and the lender's national record
| Measure | In Ohio | Ohio, all lenders | Union Savings Bank, all states | United States |
|---|---|---|---|---|
| Denial rate | 8.3% | 23.5% | 7.5% | 24.3% |
| Median rate spread, pp | 0.3 | 0.5 | 0.3 | 0.3 |
| Originations with spread of 1.5 pp or more | 0.3% | 17.7% | 0.3% | 15.6% |
| Average originated loan | $258k | $218k | $264k | $329k |
| Home purchase share | 59.9% | 51.7% | 61.1% | 57.0% |
| FHA-insured share | 6.6% | 12.3% | 6.7% | 13.4% |
| VA-guaranteed share | 2.8% | 5.9% | 2.5% | 7.9% |
Trend by year
ApplicationsOriginations
This lender in stateOhio, all lenders
Loan purpose and loan type in Ohio
By purpose
Home purchase 60% (2,859)Home improvement 11% (532)Refinancing 10% (491)Cash-out refinancing 9% (430)Other purpose 10% (463)
By type
Conventional 90% (4,310)FHA 7% (313)VA 3% (133)USDA 0% (19)
Denial reasons as coded
Share of 441 denials in Ohio by first denial reason coded (outlined bar: all lenders in the state).
Counties in Ohio
| County | Applications | Originations | Amount | Denial rate |
|---|---|---|---|---|
| Montgomery County | 1,066 | 840 | $181m | 9.5% |
| Hamilton County | 977 | 779 | $188m | 6.1% |
| Franklin County | 970 | 703 | $191m | 9.0% |
| Warren County | 526 | 421 | $128m | 6.1% |
| Butler County | 525 | 411 | $103m | 8.4% |
| Greene County | 359 | 285 | $74m | 6.8% |
| Clermont County | 246 | 203 | $51m | 3.7% |
| Delaware County | 256 | 183 | $70m | 10.4% |
| Miami County | 208 | 163 | $38m | 7.6% |
| Cuyahoga County | 128 | 93 | $23m | 14.4% |
| Fairfield County | 108 | 89 | $23m | 3.2% |
| Clark County | 86 | 68 | $16m | 10.5% |
| Licking County | 93 | 61 | $19m | 15.8% |
| Union County | 63 | 45 | $15m | 9.8% |
| Clinton County | 38 | 31 | $8.5m | 8.6% |
| Summit County | 40 | 27 | $7.4m | 10.0% |
| Fayette County | 34 | 26 | $4.9m | 9.4% |
| Medina County | 31 | 25 | $9.2m | 7.1% |
| Perry County | 27 | 23 | $8.6m | 8.0% |
| Madison County | 34 | 21 | $6.4m | — |
| Preble County | 28 | 21 | $3.6m | — |
| Lorain County | 25 | 19 | $6.5m | — |
| Pickaway County | 33 | 17 | $4.3m | — |
Counties with at least 25 applications, by originations.
Questions and answers
How many mortgages did Union Savings Bank originate in Ohio in 2024?
4,775 loans totalling $1.2bn, from 6,201 applications reported for properties in Ohio.
What is Union Savings Bank's denial rate in Ohio?
8.3% of decided applications in Ohio were denied, against 23.5% for all lenders in the state and 7.5% for this lender nationally. HMDA data alone cannot be used to determine whether a lender is complying with fair lending laws.
Which Ohio counties does Union Savings Bank lend in most?
By originations: Montgomery County (840), Hamilton County (779), Franklin County (703), Warren County (421), Butler County (411).
Where does this data come from?
From the 2024 public HMDA loan/application register (FFIEC and CFPB), filtered to the lender's LEI and the property state. Cells under 25 applications are withheld.
Provenance
Source: HMDA public loan/application register 2022, 2023, 2024 (FFIEC and CFPB, public domain), records for this LEI with a property in Ohio. Built 30 Sep 2026; data through 1 Aug 2026. See methodology and corrections.