Union Savings Bank (Ohio) mortgage approval rate & lending review
Union Savings Bank (Ohio) decided 19,059 mortgage applications and funded 17,466 loans across the 616 counties Fat Boy Data covers, 2023–2025.
These are the decisions Union Savings Bank (Ohio) reported under the Home Mortgage Disclosure Act, not its advertised interest rates.
Union Savings Bank (Ohio) at a glance
Approval is 13.2 points above the 80.6% national rate for the same mix of loan types.
Approval rates by loan type
| Loan type | Approval | Approved | Taken up | Typical loan | Loans made |
|---|---|---|---|---|---|
| Mortgage lenders | 95% | 9,811 / 10,370 | 98% | $285K | 9,634 |
| Home improvement loans | 97% | 2,341 / 2,413 | 96% | $45K | 2,247 |
| Cash-out refinance | 88% | 1,564 / 1,771 | 96% | $155K | 1,509 |
| Refinance | 93% | 2,186 / 2,341 | 98% | $255K | 2,137 |
| Investment property purchase | 93% | 1,506 / 1,622 | 98% | $195K | 1,476 |
| Investment cash-out refinance | 78% | 137 / 176 | 99% | $155K | 136 |
| Investment refinance | 90% | 101 / 112 | 97% | $175K | 98 |
| Investment home improvement | 91% | 231 / 254 | 99% | $115K | 229 |
Union Savings Bank (Ohio) lending by state
| State | Approval | Typical loan | Decided | Loans made |
|---|---|---|---|---|
| Ohio | 93% | $285K | 13,855 | 12,610 |
| Indiana | 95% | $255K | 3,061 | 2,848 |
| Pennsylvania | 97% | $255K | 1,227 | 1,175 |
| Florida | 92% | $395K | 367 | 332 |
| Kentucky | 94% | $395K | 306 | 284 |
| California | 96% | $1.09M | 45 | 41 |
| South Carolina | 97% | $365K | 32 | 29 |
| North Carolina | 89% | $255K | 27 | 22 |
Fat Boy Data covers 616 counties, 79.6% of the US population, not every county in every state. States with fewer than 20 decisions are not listed.Methodology.
Where Union Savings Bank (Ohio) lends most
| County | Loan type | Approval | Decided | Loans made |
|---|---|---|---|---|
| Montgomery County, OH | Mortgage lenders | 94% | 1,616 | 1,490 |
| Hamilton County, OH | Mortgage lenders | 95% | 1,073 | 1,005 |
| Franklin County, OH | Mortgage lenders | 94% | 1,044 | 965 |
| Warren County, OH | Mortgage lenders | 95% | 787 | 731 |
| Butler County, OH | Mortgage lenders | 95% | 689 | 640 |
| Greene County, OH | Mortgage lenders | 96% | 535 | 505 |
| Marion County, IN | Mortgage lenders | 94% | 445 | 409 |
| Allen County, IN | Mortgage lenders | 94% | 418 | 387 |
| Allegheny County, PA | Mortgage lenders | 97% | 384 | 374 |
| Hamilton County, OH | Home improvement loans | 97% | 397 | 371 |
| Franklin County, OH | Home improvement loans | 98% | 390 | 362 |
| Miami County, OH | Mortgage lenders | 95% | 380 | 352 |
The county markets where Union Savings Bank (Ohio) made the most loans. Each link opens that market with every lender ranked.
Questions about Union Savings Bank (Ohio)
What is Union Savings Bank (Ohio)'s mortgage approval rate?
Union Savings Bank (Ohio) approved 93.8% of the 19,059 mortgage applications it decided across the 616 counties Fat Boy Data covers, 2023–2025, 13.2 points above the 80.6% national rate for the same mix of loan types.
How often do borrowers take the loan Union Savings Bank (Ohio) offers?
Borrowers accepted 98% of the loans Union Savings Bank (Ohio) approved, against 96% for all home purchase mortgage lenders nationally. A low take-up usually means the approved terms were not competitive.
What size loans does Union Savings Bank (Ohio) make?
The typical home purchase mortgage loan Union Savings Bank (Ohio) made was $285K; across all loan types its typical loan ran from $45K to $285K. HMDA reports amounts in $10,000 brackets, so these are midpoints.
Where does Union Savings Bank (Ohio) lend?
Union Savings Bank (Ohio) decided applications in 33 of the states Fat Boy Data covers, most of them in Ohio, Indiana and Pennsylvania.
Can I apply to Union Savings Bank (Ohio) directly?
Yes. Union Savings Bank (Ohio) is a bank or credit union with 69 branches in the FDIC and NCUA registries, and it takes mortgage applications directly.
Does this page show Union Savings Bank (Ohio)'s interest rates?
No. HMDA filings record who applied, who was approved and how much was borrowed, not the rate offered. Use the approval rate and take-up here to judge how Union Savings Bank (Ohio) treats applications, then get a rate quote from the lender.