Mortgage Lender Index

Union Savings Bank

Union Savings Bank received 10,072 applications in 2025 and made 8,105 mortgages, in 329 counties across 36 states. The median rate its borrowers got was 6.750% on a median loan of $235,000. Of 8,769 decisions, 468 were denials — 5.3%, most often for debt-to-income ratio.

Legal Entity Identifier549300HFBEONQN2CK447
Applications received10,072
Mortgages made8,105
Denied468
Approved, not taken up196
Withdrawn or incomplete1,303
Loans bought from other lenders81
Median rate spread over the prime offer rate0.212 points
FDIC-insured bankYes: Union Savings Bank, 26 offices

By loan purpose

PurposeMortgages madeMedian rateMedian loanDenied
Home purchase4,227 6.750%$285,000 4.5%
Refinancing1,582 6.250%$265,000 5.3%
Cash-out refinancing662 6.750%$155,000 10.7%
Other purposes1,634 8.250%$75,000 5.2%

Where Union Savings Bank lends most

The 50 counties where it made the most mortgages in 2025. Each county page ranks every lender there.

CountyMortgages madeMedian rateDenied
Hamilton County, OH 9616.750%5.3%
Montgomery County, OH 9156.625%5.4%
Franklin County, OH 7716.750%5.8%
Warren County, OH 5546.750%5.7%
Butler County, OH 5216.750%5.3%
Marion County, IN 3396.625%3.6%
Greene County, OH 3136.625%3.0%
Allen County, IN 2906.500%5.2%
Hamilton County, IN 2776.750%1.4%
Clermont County, OH 2586.750%3.7%
Miami County, OH 2316.750%4.0%
Allegheny County, PA 2316.750%3.7%
Delaware County, OH 2026.750%5.6%
Johnson County, IN 1246.750%2.3%
Fairfield County, OH 1227.000%6.8%
Hendricks County, IN 866.625%3.3%
Licking County, OH 816.750%8.8%
Clark County, OH 796.750%5.9%
Cuyahoga County, OH 756.750%11.5%
Washington County, PA 706.625%2.8%
Hancock County, IN 576.750%1.7%
Kenton County, KY 566.625%1.7%
Butler County, PA 566.625%8.2%
Boone County, IN 536.750%0.0%
Bartholomew County, IN 526.438%1.8%
Union County, OH 526.688%7.1%
Boone County, KY 486.500%2.0%
Westmoreland County, PA 466.750%6.0%
Beaver County, PA 396.500%4.8%
Lawrence County, PA 396.500%9.1%
Clinton County, OH 366.875%5.3%
Campbell County, KY 356.750%7.9%
Morgan County, IN 346.750%2.9%
Fayette County, OH 316.875%11.1%
Madison County, OH 256.875%3.6%
Pickaway County, OH 256.750%3.7%
Preble County, OH 246.688%10.7%
Lake County, OH 236.500%17.9%
Indiana County, PA 236.625%0.0%
Monroe County, IN 216.875%0.0%
Lee County, FL 197.000%0.0%
Shelby County, OH 197.250%4.6%
Summit County, OH 196.000%9.5%
Dearborn County, IN 186.500%0.0%
DeKalb County, IN 186.438%10.0%
Champaign County, OH 177.000%10.5%
Knox County, OH 176.625%15.0%
Madison County, IN 166.750%5.9%
Darke County, OH 146.875%12.5%
Geauga County, OH 146.875%0.0%

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When Union Savings Bank’s figures are published for the next year, or restated.

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Counts, medians and denial shares are computed from the Home Mortgage Disclosure Act loan-level file for 2025, published by the Consumer Financial Protection Bureau through the FFIEC: every application a covered lender received, as the lender reported it. A median rate is what borrowers got, not what you will be offered — it depends on the loan, the property, your credit and the market on the day, and no figure here is a quote. A median over fewer than 10 loans is not shown: it is a number with no meaning and a real person's rate half-exposed. Those cells say "under 10 loans" and the count is still published. This is information, not advice, and no lender pays to appear.