Union Savings Bank Mortgage Rates, Fees & Info

Cincinnati, OH

LEI: 549300HFBEONQN2CK447

Tax ID: 31-0473290

5 stars - out of 5 stars, based on 167 reviews

Latest/2021 | 2020 Data | 2019 Data | 2018 Data

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Mortgage Data

  • SimulatedRates™
  • Bank Data

    Review & Overview

    Union Savings Bank is a mid-sized bank specializing in Refi, Cash Out Refi, and Home Purchase loans. Union Savings Bank has a high proportion of conventional loans. They have a a low proportion of FHA loans. (This may mean they shy away from first time homebuyers.) They have a low ratio of USDA loans. Their top markets by origination volume include: Cincinnati, Columbus, Dayton, Indianapolis, and Pittsburgh among others. We have data for 165 markets. (Some data included below & more in-depth data is available with an active subscription.)

    Union Savings Bank has an above average approval rate when compared to the average across all lenders. They have an above average pick rate when compared to similar lenders. Union Savings Bank is typically a low fee lender. (We use the term "fees" to include things like closing costs and other costs incurred by borrowers-- whether they are paid out of pocket or rolled into the loan.) They typically have about average rates.

    We show data for every lender and do not change our ratings-- even if an organization is a paid advertiser. Our consensus data does have lag, but it is highly correlated to a lender's rates & fees relative to their markets. This means that if a bank is a low fee/rate lender the past-- chances are they are still one today. Our SimulatedRates™ use advanced statistical techniques to forecast different rates based on a lender's historical data.

    Mortgage seekers: Choose your metro area here to explore the lowest fee & rate lenders.

    Mortgage professionals: We have various tools to make your lives easier. Contact us to see how we can help with your market research, analytics or advertising needs.


    SimulatedRates™

    Mortgage Type
    Simulated Rate Simulation Date
    Home Equity Line of Credit (HELOC) 7.61% 10/3/22
    30 Year Conventional Purchase 6.62% 10/3/22
    30 Year Conventional Refi 6.40% 10/3/22
    30 Year Cash-out Refi 6.49% 10/3/22
    30 Year FHA Purchase 7.26% 10/3/22
    30 Year FHA Refi 6.86% 10/3/22
    30 Year VA Purchase 6.05% 10/3/22
    30 Year VA Refi 5.81% 10/3/22
    30 Year USDA Purchase 6.57% 10/3/22
    30 Year USDA Refi 6.41% 10/3/22
    15 Year Conventional Purchase 6.21% 10/3/22
    15 Year Conventional Refi 6.23% 10/3/22
    15 Year Cash-out Refi 6.23% 10/3/22
    15 Year VA Refi 6.02% 10/3/22
    These are simulated rates generated by our proprietary machine learning models. These are not guaranteed by the bank. They are our estimates based on a lender's past behaviors combined with current market conditions. Contact an individual lender for their actual rates. Our models use fixed rate terms for conforming loans, 700+ FICO, 10% down for FHA and 20% for conventional. These are based on consensus, historical data-- not advertised promotional rates.


    Originations

    27,819

    Origination Dollar Volume (All Markets)

    $5,573,615,000

    Employee count

    568 Show all (74) awards

    Relative Rate

    Union Savings Bank's average 30 year fixed mortgage rate was 3%.

    The 2021 average 30 year fixed rate mortgage across all markets and lenders was 3.15%.

    This yields a difference of -0.15%.

    Relative Fees (Closing Costs)

    Union Savings Bank's average total fees/closing costs for a 30 year fixed rate mortgage were $1,554.

    The average total origination fees for 30 year fixed rate mortgages across all lenders (for all loan values, including both points & up-front fees in addition to origination fees) were $4,750.

    Top Markets

    Zoom/scroll map to see bank's per metro statistics. Subscribers can configure state/metro/county granularity, assorted fields and quantity of results. This map shows top 10 markets in the map viewport, as defined by descending origination volume.

    Market Originations Total Value Average Loan Average Fees Average Rate
    CINCINNATI, OH-KY-IN (FHA|USDA|VA) 9,342 $1,923,060,000 $205,851 $1,050 2.88%
    COLUMBUS, OH (FHA|USDA|VA) 6,138 $1,327,830,000 $216,329 $1,181 2.89%
    DAYTON-KETTERING, OH (FHA|USDA|VA) 4,713 $805,175,000 $170,841 $1,087 2.88%
    INDIANAPOLIS-CARMEL-ANDERSON, IN (FHA|USDA|VA) 3,930 $758,980,000 $193,125 $864 2.84%
    PITTSBURGH, PA (FHA|USDA|VA) 919 $198,735,000 $216,251 $2,054 2.72%
    FORT WAYNE, IN (FHA|USDA|VA) 770 $123,260,000 $160,078 $940 2.86%
    COLUMBUS, IN (FHA|USDA|VA) 267 $46,475,000 $174,064 $681 2.86%
    Los Angeles-Long Beach-Anaheim, CA (FHA|USDA|VA) 18 $33,580,000 $1,865,556 $16,627 3.72%
    Outside of Metro Areas 159 $27,135,000 $170,660 $1,072 2.89%
    SPRINGFIELD, OH (FHA|USDA|VA) 139 $23,955,000 $172,338 $1,055 2.82%
    BLOOMINGTON, IN (FHA|USDA|VA) 98 $18,610,000 $189,898 $869 2.88%
    CLEVELAND-ELYRIA, OH (FHA|USDA|VA) 89 $18,015,000 $202,416 $1,356 2.91%
    Seattle-Tacoma-Bellevue, WA (FHA|USDA|VA) 1 $18,005,000 $18,005,000 $16,553 3.50%
    LOUISVILLE/JEFFERSON COUNTY, KY-IN (FHA|USDA|VA) 48 $13,500,000 $281,250 $1,974 2.98%
    New Castle, PA (FHA|USDA|VA) 74 $10,370,000 $140,135 $2,929 2.61%
    Sidney, OH (FHA|USDA|VA) 60 $9,850,000 $164,167 $1,000 2.91%
    Mount Vernon, OH (FHA|USDA|VA) 50 $9,330,000 $186,600 $908 2.87%
    Bellefontaine, OH (FHA|USDA|VA) 50 $9,290,000 $185,800 $1,196 2.87%
    Wilmington, OH (FHA|USDA|VA) 59 $8,945,000 $151,610 $1,088 3.02%
    LEXINGTON-FAYETTE, KY (FHA|USDA|VA) 36 $7,410,000 $205,833 $1,889 3.02%
    Angola, IN (FHA|USDA|VA) 35 $6,945,000 $198,429 $684 2.94%
    Urbana, OH (FHA|USDA|VA) 33 $6,355,000 $192,576 $1,210 2.95%
    Greenville, OH (FHA|USDA|VA) 35 $5,655,000 $161,571 $1,566 2.88%
    Auburn, IN (FHA|USDA|VA) 30 $5,560,000 $185,333 $1,415 2.88%
    LAFAYETTE-WEST LAFAYETTE, IN (FHA|USDA|VA) 32 $5,040,000 $157,500 $895 2.89%
    CAPE CORAL-FORT MYERS, FL (FHA|USDA|VA) 19 $4,785,000 $251,842 $2,500 2.93%
    Miami-Fort Lauderdale-Pompano Beach, FL (FHA|USDA|VA) 13 $4,475,000 $344,231 $2,496 3.14%
    TAMPA-ST. PETERSBURG-CLEARWATER, FL (FHA|USDA|VA) 13 $4,435,000 $341,154 $4,576 3.05%
    TOLEDO, OH (FHA|USDA|VA) 20 $4,360,000 $218,000 $2,410 2.89%
    Warsaw, IN (FHA|USDA|VA) 24 $4,250,000 $177,083 $713 2.90%
    AKRON, OH (FHA|USDA|VA) 24 $4,100,000 $170,833 $831 2.97%
    KNOXVILLE, TN (FHA|USDA|VA) 15 $4,085,000 $272,333 $2,344 2.85%
    CRESTVIEW-FORT WALTON BEACH-DESTIN, FL (FHA|USDA|VA) 5 $4,045,000 $809,000 $0 3.55%
    Kendallville, IN (FHA|USDA|VA) 28 $4,030,000 $143,929 $929 2.92%
    KOKOMO, IN (FHA|USDA|VA) 23 $3,555,000 $154,565 $814 2.91%
    Washington-Arlington-Alexandria, DC-VA-MD-WV (FHA|USDA|VA) 6 $3,440,000 $573,333 $10,807 2.71%
    North Port-Sarasota-Bradenton, FL (FHA|USDA|VA) 13 $3,215,000 $247,308 $3,007 2.88%
    Chillicothe, OH (FHA|USDA|VA) 13 $2,965,000 $228,077 $2,409 3.02%
    HILTON HEAD ISLAND-BLUFFTON, SC (FHA|USDA|VA) 7 $2,915,000 $416,429 $2,491 2.84%
    PHOENIX-MESA-CHANDLER, AZ (FHA|USDA|VA) 7 $2,865,000 $409,286 $3,116 3.23%
    Huntington, IN (FHA|USDA|VA) 19 $2,855,000 $150,263 $1,364 2.93%
    YOUNGSTOWN-WARREN-BOARDMAN, OH-PA (FHA|USDA|VA) 17 $2,785,000 $163,824 $2,279 2.77%
    NAPLES-MARCO ISLAND, FL (FHA|USDA|VA) 8 $2,710,000 $338,750 $3,516 3.06%
    Indiana, PA (FHA|USDA|VA) 20 $2,630,000 $131,500 $2,813 2.43%
    ATLANTA-SANDY SPRINGS-ALPHARETTA, GA (FHA|USDA|VA) 6 $2,620,000 $436,667 $3,622 2.79%
    ORLANDO-KISSIMMEE-SANFORD, FL (FHA|USDA|VA) 9 $2,615,000 $290,556 $2,075 3.01%
    New York-Newark-Jersey City, NY-NJ-PA (FHA|USDA|VA) 2 $2,570,000 $1,285,000 $0 3.00%
    Chicago-Naperville-Elgin, IL-IN-WI (FHA|USDA|VA) 11 $2,495,000 $226,818 $3,059 2.89%
    Wapakoneta, OH (FHA|USDA|VA) 13 $2,395,000 $184,231 $1,085 2.84%
    Zanesville, OH (FHA|USDA|VA) 12 $2,350,000 $195,833 $999 2.90%
    MANSFIELD, OH (FHA|USDA|VA) 14 $2,150,000 $153,571 $1,648 3.02%
    Bluffton, IN (FHA|USDA|VA) 13 $1,965,000 $151,154 $1,411 2.83%
    Marion, OH (FHA|USDA|VA) 14 $1,880,000 $134,286 $1,089 2.86%
    Detroit-Warren-Dearborn, MI (FHA|USDA|VA) 5 $1,725,000 $345,000 $1,862 2.65%
    CANTON-MASSILLON, OH (FHA|USDA|VA) 9 $1,585,000 $176,111 $974 2.82%
    NASHVILLE-DAVIDSON--MURFREESBORO--FRANKLIN, TN (FHA|USDA|VA) 4 $1,580,000 $395,000 $980 2.84%
    Seymour, IN (FHA|USDA|VA) 11 $1,535,000 $139,545 $1,081 2.80%
    Washington Court House, OH (FHA|USDA|VA) 8 $1,530,000 $191,250 $2,828 2.83%
    New Castle, IN (FHA|USDA|VA) 8 $1,490,000 $186,250 $1,248 2.75%
    MYRTLE BEACH-CONWAY-NORTH MYRTLE BEACH, SC-NC (FHA|USDA|VA) 3 $1,475,000 $491,667 $4,201 3.13%
    LAS VEGAS-HENDERSON-PARADISE, NV (FHA|USDA|VA) 3 $1,375,000 $458,333 $4,061 2.71%
    Philadelphia-Camden-Wilmington, PA-NJ-DE-MD (FHA|USDA|VA) 4 $1,370,000 $342,500 $2,237 2.56%
    Decatur, IN (FHA|USDA|VA) 9 $1,295,000 $143,889 $2,143 3.00%
    Richmond, IN (FHA|USDA|VA) 8 $1,250,000 $156,250 $1,180 2.91%
    PUNTA GORDA, FL (FHA|USDA|VA) 5 $1,245,000 $249,000 $3,397 3.08%
    THE VILLAGES, FL (FHA|USDA|VA) 4 $1,230,000 $307,500 $3,859 2.94%
    SOUTH BEND-MISHAWAKA, IN-MI (FHA|USDA|VA) 6 $1,230,000 $205,000 $2,016 2.98%
    San Francisco-Oakland-Berkeley, CA (FHA|USDA|VA) 2 $1,210,000 $605,000 $0 3.31%
    Greensburg, IN (FHA|USDA|VA) 7 $1,165,000 $166,429 $912 3.02%
    RIVERSIDE-SAN BERNARDINO-ONTARIO, CA (FHA|USDA|VA) 2 $1,110,000 $555,000 $9,589 3.31%
    MUNCIE, IN (FHA|USDA|VA) 8 $1,110,000 $138,750 $937 3.02%
    Ashland, OH (FHA|USDA|VA) 7 $1,095,000 $156,429 $2,201 2.95%
    Traverse City, MI (FHA|USDA|VA) 3 $1,075,000 $358,333 $2,783 3.08%
    Oil City, PA (FHA|USDA|VA) 5 $1,055,000 $211,000 $5,582 2.63%
    Athens, OH (FHA|USDA|VA) 8 $1,000,000 $125,000 $1,210 2.95%
    Van Wert, OH (FHA|USDA|VA) 4 $980,000 $245,000 $1,371 3.00%
    Bedford, IN (FHA|USDA|VA) 7 $975,000 $139,286 $634 2.93%
    Wooster, OH (FHA|USDA|VA) 5 $975,000 $195,000 $1,284 3.23%
    LIMA, OH (FHA|USDA|VA) 6 $960,000 $160,000 $1,968 2.85%
    CHARLOTTE-CONCORD-GASTONIA, NC-SC (FHA|USDA|VA) 3 $935,000 $311,667 $1,357 2.33%
    Celina, OH (FHA|USDA|VA) 5 $895,000 $179,000 $1,338 2.80%
    Findlay, OH (FHA|USDA|VA) 6 $860,000 $143,333 $1,027 2.81%
    JACKSONVILLE, FL (FHA|USDA|VA) 2 $850,000 $425,000 $3,519 2.94%
    Cambridge, OH (FHA|USDA|VA) 4 $830,000 $207,500 $2,040 2.97%
    Richmond-Berea, KY (FHA|USDA|VA) 3 $825,000 $275,000 $730 2.96%
    DELTONA-DAYTONA BEACH-ORMOND BEACH, FL (FHA|USDA|VA) 3 $775,000 $258,333 $1,931 2.83%
    New Philadelphia-Dover, OH (FHA|USDA|VA) 3 $765,000 $255,000 $305 2.71%
    PALM BAY-MELBOURNE-TITUSVILLE, FL (FHA|USDA|VA) 2 $760,000 $380,000 $3,610 2.81%
    Crawfordsville, IN (FHA|USDA|VA) 5 $705,000 $141,000 $843 2.78%
    EVANSVILLE, IN-KY (FHA|USDA|VA) 3 $675,000 $225,000 $3,390 2.79%
    PRESCOTT VALLEY-PRESCOTT, AZ (FHA|USDA|VA) 2 $670,000 $335,000 $2,318 3.00%
    Bucyrus-Galion, OH (FHA|USDA|VA) 6 $660,000 $110,000 $1,673 3.17%
    PORT ST. LUCIE, FL (FHA|USDA|VA) 2 $660,000 $330,000 $7,988 3.13%
    Marion, IN (FHA|USDA|VA) 4 $600,000 $150,000 $635 2.81%
    Somerset, KY (FHA|USDA|VA) 5 $565,000 $113,000 $863 3.25%
    Torrington, CT (FHA|USDA|VA) 1 $545,000 $545,000 $2,971 2.50%
    PENSACOLA-FERRY PASS-BRENT, FL (FHA|USDA|VA) 2 $530,000 $265,000 $1,893 2.75%
    Frankfort, IN (FHA|USDA|VA) 5 $525,000 $105,000 $1,662 3.15%
    VALLEJO, CA (FHA|USDA|VA) 1 $475,000 $475,000 $1,750 3.13%
    WHEELING, WV-OH (FHA|USDA|VA) 3 $465,000 $155,000 $1,232 3.29%
    North Vernon, IN (FHA|USDA|VA) 3 $445,000 $148,333 $1,604 3.25%
    Danville, KY (FHA|USDA|VA) 2 $430,000 $215,000 $718 3.00%
    COLUMBIA, SC (FHA|USDA|VA) 1 $425,000 $425,000 $3,354 2.88%
    SAN ANTONIO-NEW BRAUNFELS, TX (FHA|USDA|VA) 2 $420,000 $210,000 $0 2.25%
    Sevierville, TN (FHA|USDA|VA) 1 $415,000 $415,000 $3,832 3.50%
    TERRE HAUTE, IN (FHA|USDA|VA) 4 $410,000 $102,500 $669 3.28%
    Norwalk, OH (FHA|USDA|VA) 3 $395,000 $131,667 $654 2.88%
    BALTIMORE-COLUMBIA-TOWSON, MD (FHA|USDA|VA) 1 $395,000 $395,000 $1,978 2.25%
    RICHMOND, VA (FHA|USDA|VA) 1 $395,000 $395,000 $2,840 2.88%
    HOUSTON-THE WOODLANDS-SUGAR LAND, TX (FHA|USDA|VA) 1 $375,000 $375,000 $2 2.25%
    ALBANY-SCHENECTADY-TROY, NY (FHA|USDA|VA) 1 $375,000 $375,000 $4,391 2.75%
    CHAMBERSBURG-WAYNESBORO, PA (FHA|USDA|VA) 1 $365,000 $365,000 $325 2.63%
    Madison, IN (FHA|USDA|VA) 2 $360,000 $180,000 $1,017 3.06%
    LAKELAND-WINTER HAVEN, FL (FHA|USDA|VA) 3 $355,000 $118,333 $2,855 2.50%
    Meadville, PA (FHA|USDA|VA) 2 $350,000 $175,000 $3,667 2.88%
    Sandusky, OH (FHA|USDA|VA) 2 $350,000 $175,000 $1,069 2.81%
    HICKORY-LENOIR-MORGANTON, NC (FHA|USDA|VA) 1 $345,000 $345,000 $0 2.25%
    PANAMA CITY, FL (FHA|USDA|VA) 1 $335,000 $335,000 $6,000 3.25%
    Laconia, NH (FHA|USDA|VA) 1 $335,000 $335,000 $3,555 2.88%
    ELKHART-GOSHEN, IN (FHA|USDA|VA) 2 $320,000 $160,000 $3,121 3.06%
    Vineyard Haven, MA (FHA|USDA|VA) 1 $315,000 $315,000 $3,629 2.88%
    Maysville, KY (FHA|USDA|VA) 3 $305,000 $101,667 $450 2.83%
    Frankfort, KY (FHA|USDA|VA) 2 $300,000 $150,000 $4,776 3.00%
    RALEIGH-CARY, NC (FHA|USDA|VA) 1 $295,000 $295,000 $0 2.25%
    Dayton, TN (FHA|USDA|VA) 1 $295,000 $295,000 $2,669 3.00%
    DAPHNE-FAIRHOPE-FOLEY, AL (FHA|USDA|VA) 1 $265,000 $265,000 $1,819 3.25%
    SAGINAW, MI (FHA|USDA|VA) 1 $265,000 $265,000 $2,369 2.50%
    BOWLING GREEN, KY (FHA|USDA|VA) 1 $265,000 $265,000 $7,509 2.75%
    Scottsburg, IN (FHA|USDA|VA) 1 $255,000 $255,000 $1,832 2.88%
    Tiffin, OH (FHA|USDA|VA) 1 $245,000 $245,000 $305 2.88%
    London, KY (FHA|USDA|VA) 1 $245,000 $245,000 $1,500 3.00%
    LA CROSSE-ONALASKA, WI-MN (FHA|USDA|VA) 1 $235,000 $235,000 $1,074 2.88%
    JOHNSTOWN, PA (FHA|USDA|VA) 1 $235,000 $235,000 $1,191 2.25%
    GAINESVILLE, GA (FHA|USDA|VA) 1 $225,000 $225,000 $6,851 2.63%
    DuBois, PA (FHA|USDA|VA) 2 $210,000 $105,000 $2,748 2.44%
    ANN ARBOR, MI (FHA|USDA|VA) 1 $205,000 $205,000 $2,592 2.88%
    Jamestown-Dunkirk-Fredonia, NY (FHA|USDA|VA) 1 $205,000 $205,000 $6,358 2.88%
    Marietta, OH (FHA|USDA|VA) 1 $185,000 $185,000 $990 3.00%
    VIRGINIA BEACH-NORFOLK-NEWPORT NEWS, VA-NC (FHA|USDA|VA) 1 $185,000 $185,000 $2,247 3.13%
    MICHIGAN CITY-LA PORTE, IN (FHA|USDA|VA) 2 $180,000 $90,000 $295 2.88%
    SAN ANGELO, TX (FHA|USDA|VA) 1 $175,000 $175,000 $0 2.25%
    Crossville, TN (FHA|USDA|VA) 1 $175,000 $175,000 $0 3.00%
    KILLEEN-TEMPLE, TX (FHA|USDA|VA) 1 $175,000 $175,000 $0 2.38%
    GRAND RAPIDS-KENTWOOD, MI (FHA|USDA|VA) 1 $165,000 $165,000 $1,200 3.00%
    ALBUQUERQUE, NM (FHA|USDA|VA) 1 $165,000 $165,000 $8,138 2.25%
    ELIZABETHTOWN-FORT KNOX, KY (FHA|USDA|VA) 1 $165,000 $165,000 $750 2.63%
    Bardstown, KY (FHA|USDA|VA) 1 $165,000 $165,000 $295 3.00%
    Brookings, OR (FHA|USDA|VA) 1 $155,000 $155,000 $1,302 3.99%
    Defiance, OH (FHA|USDA|VA) 1 $155,000 $155,000 $2,376 2.50%
    Mount Sterling, KY (FHA|USDA|VA) 1 $145,000 $145,000 $280 2.50%
    LAWTON, OK (FHA|USDA|VA) 1 $145,000 $145,000 $0 2.75%
    Somerset, PA (FHA|USDA|VA) 1 $135,000 $135,000 $1,013 2.25%
    LANSING-EAST LANSING, MI (FHA|USDA|VA) 1 $135,000 $135,000 $2,639 2.38%
    OCALA, FL (FHA|USDA|VA) 1 $135,000 $135,000 $1,444 2.88%
    HOMOSASSA SPRINGS, FL (FHA|USDA|VA) 1 $125,000 $125,000 $2,748 2.50%
    Portsmouth, OH (FHA|USDA|VA) 1 $125,000 $125,000 $3,116 3.25%
    Tullahoma-Manchester, TN (FHA|USDA|VA) 1 $115,000 $115,000 $2,812 3.00%
    Ashtabula, OH (FHA|USDA|VA) 1 $115,000 $115,000 $4,775 2.50%
    STATE COLLEGE, PA (FHA|USDA|VA) 1 $115,000 $115,000 $325 2.25%
    SANTA ROSA-PETALUMA, CA (FHA|USDA|VA) 1 $105,000 $105,000 $0 3.75%
    HUNTINGTON-ASHLAND, WV-KY-OH (FHA|USDA|VA) 1 $105,000 $105,000 $2,004 2.50%
    Coshocton, OH (FHA|USDA|VA) 1 $105,000 $105,000 $1,934 3.25%
    Jasper, IN (FHA|USDA|VA) 1 $85,000 $85,000 $459 2.75%
    Cookeville, TN (FHA|USDA|VA) 1 $85,000 $85,000 $2,181 2.75%
    Connersville, IN (FHA|USDA|VA) 1 $35,000 $35,000 $0 3.75%

    Union Savings Bank's top markets include Cincinnati, Columbus, Dayton, Indianapolis, and Pittsburgh among others.

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    We use machine learning to identify the top lenders compared against Union Savings Bank based on their rates and fees, along with other useful metrics. A lower similarity rank signals a stronger match.

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    Product Mix

    Loan Type Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Conventional 25,637 $5,219,355,000 $203,587 $958 2.83%
    HELOC 985 $89,235,000 $90,594 n/a 4.24%
    FHA 645 $113,965,000 $176,690 $5,665 2.82%
    VA 492 $142,030,000 $288,679 $3,178 2.46%
    USDA 60 $9,030,000 $150,500 $4,052 2.61%

    For 2021, Union Savings Bank's most frequently originated type of loan was Conventional, with 25,637 originations. Their 2nd most popular type was HELOC, with 985 originations.

    Loan Reason

    Loan Reason Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Refi 14,525 $2,841,665,000 $195,640 $568 2.80%
    Cash Out Refi 6,430 $1,320,820,000 $205,415 $1,585 2.88%
    Home Purchase 4,787 $1,269,825,000 $265,265 $2,461 2.98%
    Home Improvement 1,341 $63,675,000 $47,483 $335 2.59%
    Other 736 $77,630,000 $105,476 $1,426 3.93%

    For 2021, Union Savings Bank's most frequently cited loan purpose was Refi, with 14,525 originations. The 2nd most popular reason was Cash Out Refi, with 6,430 originations.

    Loan Duration/Length

    Loan Length Originations Total Value Average Loan Average Fees Average Rate
    30 Year 14,207 $3,338,915,000 $235,019 $1,554 3.00%
    15 Year 6,327 $1,099,435,000 $173,769 $685 2.59%
    20 Year 3,171 $623,345,000 $196,577 $737 2.85%
    10 Year 1,828 $217,730,000 $119,108 $569 3.43%
    Other 1,356 $289,340,000 $213,378 $642 2.82%
    5 Year 930 $4,850,000 $5,215 $247 2.00%

    For 2021, Union Savings Bank's most frequently cited loan duration was 30 Year, with 14,207 originations. The 2nd most popular length was 15 Year, with 6,327 originations.

    Origination Fees/Closing Costs

    Origination Fee/Closing Cost Originations Total Value Average Loan
    $<1k 20,220 $3,775,590,000 $186,726
    $1k-2k 3,523 $852,225,000 $241,903
    $2k-3k 1,228 $318,760,000 $259,577
    $3k-4k 477 $157,825,000 $330,870
    $5k+ 242 $124,020,000 $512,479
    $4k-5k 229 $74,305,000 $324,476

    Union Savings Bank's average total fees were $1,554, while their most frequently occuring range of origination fees (closing costs) were in the $<1k bucket, with 20,220 originations.

    Interest Rates

    Loan Rate Originations Total Value Average Loan
    2.5-3% 17,715 $3,769,945,000 $212,811
    <2.5% 5,887 $959,065,000 $162,912
    3-4% 3,239 $745,585,000 $230,190
    4-5% 957 $96,815,000 $101,165
    5-6% 20 $2,000,000 $100,000
    6-7% 1 $205,000 $205,000

    During 2021, Union Savings Bank's average interest rate for loans was 3.00%, while their most frequently originated rate bucket for loans was 2.5-3%, with 17,715 originations.

    Loan Sizing

    Loan Size Originations Total Value Average Loan Average Fees Average Rate
    $100k-200k 11,260 $1,670,430,000 $148,351 $927 2.88%
    $200k-400k 9,590 $2,593,810,000 $270,470 $1,373 2.87%
    $100,000 or less 5,129 $301,055,000 $58,697 $519 2.86%
    $400k-600k 1,603 $759,815,000 $473,996 $1,987 2.87%
    $600k-1MM 173 $125,115,000 $723,208 $4,320 3.06%
    $1MM+ 64 $123,390,000 $1,927,969 $10,166 3.40%

    2021 saw Union Savings Bank place emphasis on $100k-200k loans with 11,260 originations, totaling $1,670,430,000 in origination value.

    Applicant Income

    Applicant Income Originations Total Value Average Loan Average Fees Average Rate
    $100k-150k 7,189 $1,564,605,000 $217,639 $1,126 2.89%
    $50k-75k 5,286 $755,420,000 $142,910 $1,067 2.89%
    $75k-100k 5,059 $896,755,000 $177,259 $1,128 2.90%
    $150k-250k 4,902 $1,325,290,000 $270,357 $1,205 2.89%
    $50k or less 3,390 $305,160,000 $90,018 $908 2.75%
    $250k+ 1,539 $561,135,000 $364,610 $1,493 2.89%

    Union Savings Bank lent most frequently to those with incomes in the $100k-150k range, with 7,189 originations. The second most popular income band? $50k-75k, with 5,286 originations.

    Applicant Debt to Income Ratio

    DTI Ratio Originations Total Value Average Loan Average Fees Average Rate
    20-30% 9,407 $1,901,055,000 $202,089 $1,032 2.90%
    <20% 6,086 $1,146,070,000 $188,313 $776 2.85%
    30-36% 4,945 $1,045,835,000 $211,493 $1,310 2.94%
    36% 704 $143,630,000 $204,020 $1,235 2.94%
    37% 702 $145,110,000 $206,709 $1,509 2.97%
    38% 608 $135,070,000 $222,155 $1,446 2.95%
    39% 603 $126,285,000 $209,428 $1,460 3.00%
    40% 598 $127,160,000 $212,642 $1,344 2.95%
    41% 516 $116,020,000 $224,845 $1,714 2.92%
    42% 491 $107,485,000 $218,910 $1,635 2.94%
    43% 408 $94,010,000 $230,417 $1,598 2.99%
    44% 397 $92,125,000 $232,053 $1,711 2.95%
    45% 277 $59,635,000 $215,289 $1,659 2.90%
    46% 229 $48,655,000 $212,467 $1,342 2.91%
    47% 176 $40,630,000 $230,852 $1,603 2.91%
    50-60% 138 $34,100,000 $247,101 $4,542 2.92%
    48% 136 $30,160,000 $221,765 $2,129 2.94%
    49% 111 $25,895,000 $233,288 $2,310 2.92%
    >60% 4 $1,180,000 $295,000 $2,616 3.56%

    Union Savings Bank lent most frequently to those with DTI ratios of 20-30%, with 9,407 originations. The next most common DTI ratio? <20%, with 6,086 originations.

    Ethnicity Mix

    Applicant Ethnicity Originations Total Value Average Loan Average Fees Average Rate
    White 22,967 $4,681,475,000 $203,835 $1,136 2.91%
    Not provided 2,299 $526,125,000 $228,849 $1,211 2.90%
    Asian 1,039 $224,855,000 $216,415 $1,079 2.81%
    Black 1,369 $92,735,000 $67,739 $784 2.34%
    Not applicable 8 $20,330,000 $2,541,250 $19,862 3.97%
    Asian Indian 57 $14,395,000 $252,544 $1,464 2.75%
    American Indian 29 $4,145,000 $142,931 $1,276 2.89%
    Native Hawaiian or Islander 20 $3,330,000 $166,500 $897 2.71%
    Other Asian 14 $2,560,000 $182,857 $1,165 2.77%
    Chinese 8 $2,020,000 $252,500 $991 2.81%
    Vietnamese 3 $675,000 $225,000 $910 2.92%
    Filipino 3 $555,000 $185,000 $1,987 2.96%
    Other Pacific Islander 2 $290,000 $145,000 $1,709 2.88%
    Korean 1 $125,000 $125,000 $300 3.00%

    Approval Rates

    Total approvals of all applications
    92.18%

    Union Savings Bank has an average approval rate.

    Pick Rate

    Approvals leading to origination
    91.29%

    Union Savings Bank has an average pick rate.

    Points and Fees

    Points Originations Total Value Average Loan
    NA 27,819 $5,573,615,000 $200,353

    Occupancy Type Mix

    Dwelling Type Originations Total Value Average Loan
    27,819 $5,573,615,000 $200,353

    LTV Distribution

    Loan to Value Originations Total Value Average Loan Average Fees Average Rate
    20-40% 3,403 $434,865,000 $127,789 $521 2.86%
    40-60% 7,905 $1,485,855,000 $187,964 $650 2.81%
    60-80% 10,977 $2,665,635,000 $242,838 $1,242 2.92%
    80-100% 3,638 $911,280,000 $250,489 $2,484 2.93%
    Over 100% 59 $17,295,000 $293,136 $9,021 2.62%
    Under 20% 1,837 $58,685,000 $31,946 $300 2.79%

    Bank Details

    Branches

    Bank Name Branch Branch Type Deposits (000's)
    Union Savings Bank 14 S Weston Rd Troy, OH 45373 Full Service B&M $34,798
    Union Savings Bank 1499 W Dupont Road Fort Wayne, IN 46825 Full Service B&M $71,329
    Union Savings Bank 1614 Washington Road Pittsburgh, PA 15241 Full Service B&M $115,539
    Union Savings Bank 100 E Market Street Xenia, OH 45385 Full Service B&M $7,215
    Union Savings Bank 1654 East Main Street Lancaster, OH 43130 Full Service B&M $96,220
    Union Savings Bank 20 Prestige Plaza Drive Miamisburg, OH 45342 Full Service B&M $9,484
    Union Savings Bank 2137 Beechmont Avenue Cincinnati, OH 45230 Full Service B&M $81,944
    Union Savings Bank 2237 South Curry Pike Bloomington, IN 47403 Full Service B&M $54,298
    Union Savings Bank 2655 Central Avenue Columbus, IN 47201 Full Service B&M $33,736
    Union Savings Bank 2691 Madison Rd. Cincinnati, OH 45208 Full Service B&M $70,323
    Union Savings Bank 2794 Colonel Glenn Hwy. Fairborn, OH 45324 Full Service B&M $54,094
    Union Savings Bank 3030 Woodman Drive Kettering, OH 45420 Full Service B&M $96,346
    Union Savings Bank 3250 Northwest Blvd. Upper Arlington, OH 43221 Full Service B&M $59,521
    Union Savings Bank 3550 W. Dublin Granville Columbus, OH 43235 Full Service B&M $89,813
    Union Savings Bank 4090 Hoover Rd. Grove City, OH 43123 Full Service B&M $75,958
    Union Savings Bank 44 S. State St. Westerville, OH 43081 Full Service B&M $76,122
    Union Savings Bank 510 West Loveland Avenue Loveland, OH 45140 Full Service B&M $83,157
    Union Savings Bank 525 West National Road Englewood, OH 45322 Full Service B&M $122,975
    Union Savings Bank 5556 William Flynn Hwy Gibsonia, PA 15044 Full Service B&M $89,278
    Union Savings Bank 5651 Far Hills Avenue Dayton, OH 45429 Full Service B&M $152,895
    Union Savings Bank 5881 E. 82nd St Indianapolis, IN 46250 Full Service B&M $92,151
    Union Savings Bank 6393 Glenway Ave. Western Hills, OH 45211 Full Service B&M $119,401
    Union Savings Bank 6701 Hamilton Ave. Cincinnati, OH 45224 Full Service B&M $65,337
    Union Savings Bank 721 Wessel Dr. Fairfield, OH 45014 Full Service B&M $69,689
    Union Savings Bank 7435 Kenwood Road Cincinnati, OH 45236 Full Service B&M $22,140
    Union Savings Bank 7615 Voice Of America Center Drive West Chester, OH 45069 Full Service B&M $44,820
    Union Savings Bank 8320 Plainfield Road Cincinnati, OH 45236 Full Service B&M $84,963
    Union Savings Bank 843 Eastgate S. Dr Cincinnati, OH 45245 Full Service B&M $66,408
    Union Savings Bank 8534 East Kemper Road Cincinnati, OH 45249 Full Service B&M $507,038
    Union Savings Bank 91 Byrd Way Greenwood, IN 46143 Full Service B&M $21,987
    Union Savings Bank 1040 E Second St Franklin, OH 45005 Full Service B&M $52,285
    Union Savings Bank 1160 Kemper Meadow Dr Cincinnati, OH 45240 Full Service Retail $2,693
    Union Savings Bank 1225 Main Street Hamilton, OH 45013 Full Service B&M $110,505
    Union Savings Bank 1320 Brice Road Reynoldsburg, OH 43068 Full Service B&M $122,148
    Union Savings Bank 1330 Morse Road Columbus, OH 43229 Full Service B&M $59,183

    For 2021, Union Savings Bank had 35 branches.

    Yearly Performance Overview

    Bank Income

    Item Value (in 000's)
    Total interest income $96,682
    Net interest income $77,284
    Total noninterest income $124,414
    Gross Fiduciary activities income $0
    Service charges on deposit accounts $237
    Trading account gains and fees $0
    Additional Noninterest Income $124,177
    Pre-tax net operating income $123,789
    Securities gains (or losses, -) $-1,278
    Income before extraordinary items $122,511
    Discontinued Operations (Extraordinary gains, net) $0
    Net income of bank and minority interests $122,511
    Minority interest net income $0
    Net income $122,511
    Sale, conversion, retirement of capital stock, net $0
    Net operating income $123,789

    Union Savings Bank's gross interest income from loans was $96,682,000.
    Union Savings Bank's net interest income from loans was $77,284,000.
    Union Savings Bank's fee based income from loans was $237,000.
    Union Savings Bank's net income from loans was $122,511,000.

    Bank Expenses

    Item Value (in 000's)
    Total interest expense $19,398
    Provision for credit losses $360
    Total noninterest expense $77,549
    Salaries and employee benefits $50,879
    Premises and equipment expense $12,872
    Additional noninterest expense $13,798
    Applicable income taxes $0
    Net charge-offs $-160
    Cash dividends $111,103

    Union Savings Bank's interest expense for loans was $19,398,000.
    Union Savings Bank's payroll and benefits expense were $50,879,000.
    Union Savings Bank's property, plant and equipment expenses $12,872,000.

    Loan Performance

    Type of Loan % of Loans Noncurrent (30+ days, end of period snapshot)
    All loans 0.0%
    Real Estate loans 0.0%
    Construction & Land Development loans 0.0%
    Nonfarm, nonresidential loans 0.0%
    Multifamily residential loans 0.0%
    1-4 family residential loans 0.0%
    HELOC loans 0.0%
    All other family 0.0%
    Commercial & industrial loans 0.0%
    Personal loans 0.0%
    Credit card loans 0.0%
    Other individual loans 0.0%
    Auto loans 0.0%
    Other consumer loans 0.0%
    Unsecured commercial real estate loans 0.0%

    Deposits

    Type Value (in 000's)
    Total deposits $3,052,071
    Deposits held in domestic offices $3,052,071
    Deposits by Individuals, partnerships, and corporations $3,052,072
    Deposits by U.S. Government $0
    Deposits by States and political subdivisions in the U.S. $0
    Deposits by Commercial banks and other depository institutions in U.S. $0
    Deposits by Banks in foreign countries $0
    Deposits by Foreign governments and official institutions $0
    Transaction accounts $1,032,981
    Demand deposits $332,246
    Nontransaction accounts $2,019,091
    Money market deposit accounts (MMDAs) $0
    Other savings deposits (excluding MMDAs) $548,866
    Total time deposits $1,470,223
    Total time and savings deposits $2,719,826
    Noninterest-bearing deposits $378,551
    Interest-bearing deposits $2,673,520
    Retail deposits $2,765,401
    IRAs and Keogh plan accounts $137,222
    Brokered deposits $0
    Deposits held in foreign offices $0

    Assets

    Asset Value (in 000's)
    Total Assets $3,463,554
    Cash & Balances due from depository institutions $1,054,331
    Interest-bearing balances $1,036,343
    Total securities $7,529
    Federal funds sold & reverse repurchase $2,029
    Net loans and leases $2,151,528
    Loan and leases loss allowance $30,486
    Trading account assets $0
    Bank premises and fixed assets $53,920
    Other real estate owned $9
    Goodwill and other intangibles $82,444
    All other assets $111,764

    Liabilities

    Liabilities Value (in 000's)
    Total liabilities and capital $3,463,554
    Total Liabilities $3,097,527
    Total deposits $3,052,071
    Interest-bearing deposits $2,673,520
    Deposits held in domestic offices $3,052,071
    % insured (estimated) $85
    Federal funds purchased and repurchase agreements $0
    Trading liabilities $0
    Other borrowed funds $0
    Subordinated debt $0
    All other liabilities $45,456

    Issued Loan Types

    Type Value (in 000's)
    Net loans and leases $2,151,528
    Loan and leases loss allowance $30,486
    Total loans and leases (domestic) $2,182,014
    All real estate loans $2,124,826
    Real estate loans in domestic offices $2,124,826
    Construction and development loans $157,712
    Residential 1-4 family construction $88,522
    Other construction, all land development and other land $69,190
    Loans secured by nonfarm nonresidential properties $132,746
    Nonfarm nonresidential secured by owner-occupied properties $0
    Commercial real estate & other non-farm, non-residential $132,746
    Multifamily residential real estate $88,810
    1-4 family residential loans $1,745,318
    Farmland loans $240
    Loans held in foreign offices $0
    Farm loans $0
    Commercial and industrial loans $39,294
    To non-U.S. addressees $0
    Loans to individuals $17,894
    Credit card loans $0
    Related Plans $34
    Consumer Auto Loans $0
    Other loans to individuals $17,860
    All other loans & leases $0
    Loans to foreign governments and official institutions $0
    Other loans $0
    Loans to depository institutions and acceptances of other banks $0
    Loans not secured by real estate $0
    Loans secured by real estate to non-U.S. addressees $0
    Restructured Loans & leases $5,534
    Non 1-4 family restructured loans & leases $3,099
    Total loans and leases (foreign) $0

    Union Savings Bank had $2,151,528,000 of loans outstanding in 2021. $2,124,826,000 of loans were in real estate loans. $157,712,000 of loans were in development loans. $88,810,000 of loans were in multifamily mortgage loans. $1,745,318,000 of loans were in 1-4 family mortgage loans. $0 of loans were in farm loans. $0 of loans were in credit card loans. $0 of loans were in the auto loan category.

    Small Business Loans

    Categorization # of Loans in Category $ amount of loans (in 000's) Average $/loan
    Nonfarm, nonresidential loans - <$1MM 192 $40,856 $212,792
    Nonfarm, nonresidential loans - <$100k 38 $1,622 $42,684
    Nonfarm, nonresidential loans - $100-250k 64 $7,786 $121,656
    Nonfarm, nonresidential loans - $250k-1MM 90 $31,448 $349,422
    Commercial & Industrial, US addressed loans - <$1MM 20 $8,108 $405,400
    Commercial & Industrial, US addressed loans - <$100k 2 $188 $94,000
    Commercial & Industrial, US addressed loans - $100-250k 5 $922 $184,400
    Commercial & Industrial, US addressed loans - $250k-1MM 13 $6,998 $538,308
    Farmland loans - <$1MM 3 $240 $80,000
    Farmland loans - $100-250k 2 $174 $87,000
    Farmland loans - $250k-1MM 1 $66 $66,000