Union Savings Bank in Ohio vs the state
5.1%Denial rate-12.59 pts vs state
5.9%Decision denial rate-16.04 pts vs state
80.1%Origination rate+20.22 pts vs state
6.75%Median rate-0.13 pts vs state
0.22Rate spread (pts)-0.17 pts vs state
$127kMedian applicant income
5,594Loans originated
356Denied
Trend in Ohio
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 5,980 | 4,615 | 7.7% | 6.75% | #12 |
| 2024 | 6,201 | 4,775 | 7.1% | 6.88% | #12 |
| 2025 | 6,982 | 5,594 | 5.1% | 6.75% | #12 |
What Union Savings Bank lends in Ohio
By loan purpose
By loan type
Why it denied Ohio applicants
Where in Ohio
Counties with the most Union Savings Bank applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Hamilton County | 1,170 | 961 | 55 | 4.7% |
| Montgomery County | 1,160 | 915 | 54 | 4.7% |
| Franklin County | 974 | 771 | 48 | 4.9% |
| Warren County | 690 | 554 | 34 | 4.9% |
| Butler County | 625 | 521 | 30 | 4.8% |
| Greene County | 379 | 313 | 10 | 2.6% |
| Clermont County | 311 | 258 | 10 | 3.2% |
| Miami County | 279 | 231 | 10 | 3.6% |
| Delaware County | 256 | 202 | 12 | 4.7% |
| Fairfield County | 151 | 122 | 9 | 6.0% |
Other large lenders in Ohio
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| The Huntington National Bank | D | 42,683 | 25.8% | 7.59% |
| Rocket Mortgage | C | 23,165 | 18.5% | 6.63% |
| Fifth Third Bank | D | 21,939 | 25.6% | 7.50% |
| Crosscountry Mortgage | B | 16,066 | 3.1% | 6.75% |
| United Shore Financial Services | B | 14,626 | 13.1% | 6.45% |
| Third Federal Savings and Loan Association of Cleveland | C | 12,622 | 23.0% | 6.74% |
| PNC Bank | D | 11,607 | 24.6% | 7.40% |
| Wright-Patt Credit Union | C | 8,791 | 28.1% | 7.50% |
| U.S. Bank | D | 8,623 | 38.0% | 7.60% |
| Citizens Bank | C | 7,775 | 24.3% | 7.65% |
Frequently asked questions
Ohio: 6,982 applications in 2025, of which 5,594 were originated and 356 denied.
5.1% of all applications, or 5.9% of the applications it actually decided on. The Ohio statewide average across all lenders was 17.7%.
The median rate on loans Union Savings Bank originated in Ohio in 2025 was 6.75%, against a statewide median of 6.88%.
About this data. Figures are Union Savings Bank's own HMDA filing for properties located in Ohio, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology