Union Savings Bank Mortgage Rates, Fees & Info

Cincinnati, OH

LEI: 549300HFBEONQN2CK447

Tax ID: 31-0473290

Latest/2023 | 2022 Data | 2021 Data | 2020 Data | 2019 Data | 2018 Data

Review & Overview

Union Savings Bank is a small bank specializing in Home Purchase loans. Union Savings Bank has a high proportion of conventional loans. They have an average proportion of FHA loans. They have a low ratio of USDA loans. Their top markets by origination volume include: Cincinnati, Columbus, Indianapolis, Dayton, and Pittsburgh among others. We have data for 128 markets. (Some data included below & more in-depth data is available with an active subscription.)

Union Savings Bank has an average approval rate when compared to the average across all lenders. They have a below 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)	6.47%	4/18/24
30 Year Conventional Purchase	6.59%	4/18/24
30 Year Conventional Refi	6.38%	4/18/24
30 Year Cash-out Refi	6.48%	4/18/24
30 Year FHA Purchase	7.28%	4/18/24
30 Year FHA Refi	7.19%	4/18/24
30 Year VA Purchase	6.17%	4/18/24
30 Year VA Refi	5.73%	4/18/24
30 Year USDA Purchase	6.80%	4/18/24
30 Year USDA Refi	6.93%	4/18/24
15 Year Conventional Purchase	5.82%	4/18/24
15 Year Conventional Refi	5.80%	4/18/24
15 Year Cash-out Refi	5.80%	4/18/24
15 Year FHA Refi	5.96%	4/18/24
15 Year VA Purchase	6.23%	4/18/24
15 Year VA Refi	5.68%	4/18/24
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.

Union Savings Bank Mortgage Calculator

Purchase Price:

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% Deposit:

Interest Rate:

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Estimated Loan Payment: Update the calculator values and click calculate payment!

This is not an official calculator from Union Savings Bank. It uses our SimulatedRate™ technology, basic math and reasonable assumptions to calculate mortgage payments derived from our simulations and your inputs.

The default purchase price is the median sales price across the US for 2022Q4, per FRED.

Originations

11,111

Origination Dollar Volume (All Markets)

$2,076,595,000

Employee count

518

Awards

Union Savings Bank 30 Year Conventional Loans gold

Union Savings Bank 30 Year Conventional Loans silver

Show all (45) awards

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)	3,749	$715,135,000	$190,754	$1,416	4.34%
COLUMBUS, OH (FHA\|USDA\|VA)	2,136	$435,210,000	$203,750	$2,001	4.33%
INDIANAPOLIS-CARMEL-ANDERSON, IN (FHA\|USDA\|VA)	1,727	$312,675,000	$181,051	$1,323	4.23%
DAYTON-KETTERING, OH (FHA\|USDA\|VA)	1,993	$306,345,000	$153,710	$1,477	4.31%
PITTSBURGH, PA (FHA\|USDA\|VA)	355	$71,995,000	$202,803	$3,456	4.43%
FORT WAYNE, IN (FHA\|USDA\|VA)	302	$46,090,000	$152,616	$1,526	4.40%
Miami-Fort Lauderdale-Pompano Beach, FL (FHA\|USDA\|VA)	50	$29,010,000	$580,200	$7,083	4.56%
Los Angeles-Long Beach-Anaheim, CA (FHA\|USDA\|VA)	22	$21,430,000	$974,091	$13,144	4.99%
COLUMBUS, IN (FHA\|USDA\|VA)	122	$18,930,000	$155,164	$913	4.46%
Outside of Metro Areas	63	$8,705,000	$138,175	$1,479	4.41%
SPRINGFIELD, OH (FHA\|USDA\|VA)	64	$8,520,000	$133,125	$1,778	4.56%
LOUISVILLE, KY (FHA\|USDA\|VA)	28	$7,770,000	$277,500	$1,504	4.16%
New Castle, PA (FHA\|USDA\|VA)	35	$5,245,000	$149,857	$3,576	4.55%
BLOOMINGTON, IN (FHA\|USDA\|VA)	30	$4,800,000	$160,000	$997	4.45%
Mount Vernon, OH (FHA\|USDA\|VA)	23	$4,535,000	$197,174	$1,927	4.35%
San Francisco-Oakland-Berkeley, CA (FHA\|USDA\|VA)	3	$4,085,000	$1,361,667	$11,076	4.79%
Wilmington, OH (FHA\|USDA\|VA)	24	$3,770,000	$157,083	$1,629	4.55%
North Port-Sarasota-Bradenton, FL (FHA\|USDA\|VA)	12	$3,670,000	$305,833	$3,324	4.24%
Sidney, OH (FHA\|USDA\|VA)	21	$3,445,000	$164,048	$1,507	4.82%
Angola, IN (FHA\|USDA\|VA)	12	$2,730,000	$227,500	$1,739	4.40%
Greenville, OH (FHA\|USDA\|VA)	19	$2,665,000	$140,263	$1,186	4.28%
LEXINGTON-FAYETTE, KY (FHA\|USDA\|VA)	9	$2,025,000	$225,000	$2,574	4.13%
Urbana, OH (FHA\|USDA\|VA)	14	$2,010,000	$143,571	$1,134	4.41%
Bellefontaine, OH (FHA\|USDA\|VA)	17	$1,935,000	$113,824	$1,141	4.40%
KOKOMO, IN (FHA\|USDA\|VA)	13	$1,915,000	$147,308	$857	4.54%
Auburn, IN (FHA\|USDA\|VA)	15	$1,835,000	$122,333	$1,689	4.58%
TAMPA-ST. PETERSBURG-CLEARWATER, FL (FHA\|USDA\|VA)	6	$1,750,000	$291,667	$2,695	4.48%
CAPE CORAL-FORT MYERS, FL (FHA\|USDA\|VA)	5	$1,655,000	$331,000	$4,270	4.60%
SANTA MARIA-SANTA BARBARA, CA (FHA\|USDA\|VA)	1	$1,585,000	$1,585,000	$21,713	4.25%
NAPLES-MARCO ISLAND, FL (FHA\|USDA\|VA)	3	$1,555,000	$518,333	$11,034	4.25%
MYRTLE BEACH-CONWAY-NORTH MYRTLE BEACH, SC-NC (FHA\|USDA\|VA)	3	$1,435,000	$478,333	$3,006	4.46%
Heber, UT (FHA\|USDA\|VA)	1	$1,345,000	$1,345,000	$4,697	3.38%
CLEVELAND-ELYRIA, OH (FHA\|USDA\|VA)	6	$1,340,000	$223,333	$1,964	4.33%
Chillicothe, OH (FHA\|USDA\|VA)	9	$1,325,000	$147,222	$1,425	4.89%
Kendallville, IN (FHA\|USDA\|VA)	10	$1,250,000	$125,000	$1,542	4.83%
YOUNGSTOWN-WARREN-BOARDMAN, OH-PA (FHA\|USDA\|VA)	8	$1,250,000	$156,250	$3,167	4.61%
KNOXVILLE, TN (FHA\|USDA\|VA)	3	$1,175,000	$391,667	$5,671	4.42%
Warsaw, IN (FHA\|USDA\|VA)	8	$1,170,000	$146,250	$630	4.34%
SAN DIEGO-CHULA VISTA-CARLSBAD, CA (FHA\|USDA\|VA)	2	$1,160,000	$580,000	$0	4.75%
Marion, OH (FHA\|USDA\|VA)	8	$1,110,000	$138,750	$1,930	4.48%
Zanesville, OH (FHA\|USDA\|VA)	8	$1,100,000	$137,500	$2,424	4.58%
TOLEDO, OH (FHA\|USDA\|VA)	7	$1,035,000	$147,857	$1,557	4.45%
Findlay, OH (FHA\|USDA\|VA)	4	$990,000	$247,500	$934	4.72%
Athens, OH (FHA\|USDA\|VA)	7	$985,000	$140,714	$1,149	4.38%
LAFAYETTE-WEST LAFAYETTE, IN (FHA\|USDA\|VA)	6	$980,000	$163,333	$2,758	4.52%
MANSFIELD, OH (FHA\|USDA\|VA)	7	$955,000	$136,429	$1,257	4.34%
Detroit-Warren-Dearborn, MI (FHA\|USDA\|VA)	3	$895,000	$298,333	$3,773	4.58%
Wapakoneta, OH (FHA\|USDA\|VA)	5	$885,000	$177,000	$2,256	4.88%
Bluffton, IN (FHA\|USDA\|VA)	5	$875,000	$175,000	$1,460	4.48%
CHARLESTON-NORTH CHARLESTON, SC (FHA\|USDA\|VA)	2	$870,000	$435,000	$2,104	4.13%
Sandusky, OH (FHA\|USDA\|VA)	4	$860,000	$215,000	$3,214	4.28%
GRAND JUNCTION, CO (FHA\|USDA\|VA)	1	$805,000	$805,000	$4,187	4.50%
PUNTA GORDA, FL (FHA\|USDA\|VA)	3	$785,000	$261,667	$2,821	4.58%
ATLANTA-SANDY SPRINGS-ALPHARETTA, GA (FHA\|USDA\|VA)	2	$690,000	$345,000	$2,654	4.13%
Ashland, OH (FHA\|USDA\|VA)	4	$680,000	$170,000	$1,748	3.91%
Sevierville, TN (FHA\|USDA\|VA)	3	$635,000	$211,667	$3,275	4.33%
HILTON HEAD ISLAND-BLUFFTON, SC (FHA\|USDA\|VA)	2	$600,000	$300,000	$3,497	3.88%
Crawfordsville, IN (FHA\|USDA\|VA)	4	$570,000	$142,500	$1,223	4.03%
Hailey, ID (FHA\|USDA\|VA)	1	$555,000	$555,000	$4,350	3.50%
LAS VEGAS-HENDERSON-PARADISE, NV (FHA\|USDA\|VA)	1	$535,000	$535,000	$9,943	4.50%
Huntington, IN (FHA\|USDA\|VA)	3	$525,000	$175,000	$1,155	4.13%
Washington-Arlington-Alexandria, DC-VA-MD-WV (FHA\|USDA\|VA)	1	$525,000	$525,000	$1,210	4.38%
Decatur, IN (FHA\|USDA\|VA)	5	$515,000	$103,000	$2,357	4.60%
Washington Court House, OH (FHA\|USDA\|VA)	5	$495,000	$99,000	$1,752	4.28%
CANTON-MASSILLON, OH (FHA\|USDA\|VA)	2	$460,000	$230,000	$1,709	4.44%
GREELEY, CO (FHA\|USDA\|VA)	1	$455,000	$455,000	$6,159	3.75%
COLORADO SPRINGS, CO (FHA\|USDA\|VA)	2	$450,000	$225,000	$3,695	4.00%
PENSACOLA-FERRY PASS-BRENT, FL (FHA\|USDA\|VA)	1	$435,000	$435,000	$4,145	4.00%
CHARLOTTE-CONCORD-GASTONIA, NC-SC (FHA\|USDA\|VA)	1	$435,000	$435,000	$2,084	4.25%
New York-Newark-Jersey City, NY-NJ-PA (FHA\|USDA\|VA)	1	$425,000	$425,000	$0	4.88%
Seymour, IN (FHA\|USDA\|VA)	3	$405,000	$135,000	$558	4.38%
Madison, IN (FHA\|USDA\|VA)	1	$375,000	$375,000	$2,396	3.50%
Richmond-Berea, KY (FHA\|USDA\|VA)	2	$370,000	$185,000	$813	4.25%
BRUNSWICK, GA (FHA\|USDA\|VA)	1	$355,000	$355,000	$2,977	4.00%
EVANSVILLE, IN-KY (FHA\|USDA\|VA)	2	$320,000	$160,000	$2,380	4.19%
VIRGINIA BEACH-NORFOLK-NEWPORT NEWS, VA-NC (FHA\|USDA\|VA)	1	$295,000	$295,000	$3,014	4.50%
PRESCOTT VALLEY-PRESCOTT, AZ (FHA\|USDA\|VA)	1	$275,000	$275,000	$2,162	4.13%
DELTONA-DAYTONA BEACH-ORMOND BEACH, FL (FHA\|USDA\|VA)	1	$265,000	$265,000	$3,370	4.00%
Maysville, KY (FHA\|USDA\|VA)	1	$265,000	$265,000	$1,150	4.38%
Richmond, IN (FHA\|USDA\|VA)	3	$265,000	$88,333	$3,518	4.38%
SOUTH BEND-MISHAWAKA, IN-MI (FHA\|USDA\|VA)	2	$260,000	$130,000	$1,447	4.50%
ELKHART-GOSHEN, IN (FHA\|USDA\|VA)	1	$255,000	$255,000	$250	4.00%
NASHVILLE-DAVIDSON-MURFREESBORO-FRANKLIN, TN (FHA\|USDA\|VA)	1	$225,000	$225,000	$7,402	4.00%
PALM BAY-MELBOURNE-TITUSVILLE, FL (FHA\|USDA\|VA)	2	$210,000	$105,000	$2,273	4.38%
PHOENIX-MESA-CHANDLER, AZ (FHA\|USDA\|VA)	1	$205,000	$205,000	$2,693	4.00%
Bedford, IN (FHA\|USDA\|VA)	3	$205,000	$68,333	$575	4.96%
Peru, IN (FHA\|USDA\|VA)	1	$205,000	$205,000	$1,103	4.88%
Salem, OH (FHA\|USDA\|VA)	1	$195,000	$195,000	$355	4.63%
DAPHNE-FAIRHOPE-FOLEY, AL (FHA\|USDA\|VA)	1	$195,000	$195,000	$3,091	4.25%
ORLANDO-KISSIMMEE-SANFORD, FL (FHA\|USDA\|VA)	1	$185,000	$185,000	$2,912	4.50%
Somerset, KY (FHA\|USDA\|VA)	2	$180,000	$90,000	$1,047	5.31%
Wooster, OH (FHA\|USDA\|VA)	1	$175,000	$175,000	$330	3.88%
Dallas-Fort Worth-Arlington, TX (FHA\|USDA\|VA)	1	$175,000	$175,000	$3,270	4.00%
TUCSON, AZ (FHA\|USDA\|VA)	2	$170,000	$85,000	$2,427	4.38%
Frankfort, KY (FHA\|USDA\|VA)	1	$165,000	$165,000	$429	3.38%
Greensburg, IN (FHA\|USDA\|VA)	3	$165,000	$55,000	$637	4.21%
TERRE HAUTE, IN (FHA\|USDA\|VA)	1	$155,000	$155,000	$459	4.13%
ST. LOUIS, MO-IL (FHA\|USDA\|VA)	1	$155,000	$155,000	$1,226	3.88%
Connersville, IN (FHA\|USDA\|VA)	1	$155,000	$155,000	$1,458	5.00%
SEBRING-AVON PARK, FL (FHA\|USDA\|VA)	1	$155,000	$155,000	$1,789	4.00%
OCALA, FL (FHA\|USDA\|VA)	1	$145,000	$145,000	$1,842	4.00%
MUNCIE, IN (FHA\|USDA\|VA)	2	$140,000	$70,000	$835	4.25%
Jasper, IN (FHA\|USDA\|VA)	2	$140,000	$70,000	$449	4.50%
Indiana, PA (FHA\|USDA\|VA)	1	$135,000	$135,000	$1,063	4.13%
Crossville, TN (FHA\|USDA\|VA)	1	$135,000	$135,000	$2,446	3.50%
New Castle, IN (FHA\|USDA\|VA)	2	$130,000	$65,000	$1,331	5.31%
PEORIA, IL (FHA\|USDA\|VA)	1	$125,000	$125,000	$4,362	4.50%
Campbellsville, KY (FHA\|USDA\|VA)	1	$125,000	$125,000	$2,284	4.50%
Van Wert, OH (FHA\|USDA\|VA)	1	$125,000	$125,000	$4,766	5.00%
Frankfort, IN (FHA\|USDA\|VA)	2	$120,000	$60,000	$500	4.75%
LONGVIEW, TX (FHA\|USDA\|VA)	1	$115,000	$115,000	$1,658	3.88%
Chicago-Naperville-Elgin, IL-IN-WI (FHA\|USDA\|VA)	1	$115,000	$115,000	$1,515	4.75%
KANKAKEE, IL (FHA\|USDA\|VA)	1	$115,000	$115,000	$2,078	4.38%
Celina, OH (FHA\|USDA\|VA)	2	$110,000	$55,000	$350	4.31%
CRESTVIEW-FORT WALTON BEACH-DESTIN, FL (FHA\|USDA\|VA)	1	$105,000	$105,000	$2,105	4.00%
Sebastian-Vero Beach, FL (FHA\|USDA\|VA)	1	$105,000	$105,000	$2,151	4.00%
Coshocton, OH (FHA\|USDA\|VA)	1	$105,000	$105,000	$4,755	5.63%
North Vernon, IN (FHA\|USDA\|VA)	1	$105,000	$105,000	$3,111	5.25%
ASHEVILLE, NC (FHA\|USDA\|VA)	1	$95,000	$95,000	$3,946	5.00%
Hutchinson, MN (FHA\|USDA\|VA)	1	$95,000	$95,000	$1,851	4.25%
HOUSTON-THE WOODLANDS-SUGAR LAND, TX (FHA\|USDA\|VA)	1	$95,000	$95,000	$2,147	4.63%
Cambridge, OH (FHA\|USDA\|VA)	2	$90,000	$45,000	$726	5.19%
Wabash, IN (FHA\|USDA\|VA)	1	$85,000	$85,000	$714	4.13%
AKRON, OH (FHA\|USDA\|VA)	1	$85,000	$85,000	$1,142	4.00%
PORT ST. LUCIE, FL (FHA\|USDA\|VA)	1	$85,000	$85,000	$499	5.00%
Marion, IN (FHA\|USDA\|VA)	2	$80,000	$40,000	$1,359	4.94%
Somerset, PA (FHA\|USDA\|VA)	1	$75,000	$75,000	$4,179	4.50%
Murray, KY (FHA\|USDA\|VA)	1	$45,000	$45,000	$1,248	4.00%

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

Their top states include:

Ohio (FHA|USDA|VA)

Indiana (FHA|USDA|VA)

Pennsylvania (FHA|USDA|VA)

Kentucky (FHA|USDA|VA)

Florida (FHA|USDA|VA)

Similar Lenders

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.

Westmoreland Federal Savings
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RIVER VALLEY CREDIT UNION, INC.
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HANCOCK COUNTY SAVINGS BANK, FSB, INC.
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West View Savings Bank
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Product Mix

Loan Type	Originations	Total Value	Avg. Loan	Avg. Fees	Avg. Rate
Conventional	9,372	$1,856,550,000	$198,095	$1,277	4.20%
FHA	830	$122,630,000	$147,747	$4,835	4.62%
HELOC	631	$40,965,000	$64,921	n/a	5.88%
VA	226	$49,780,000	$220,265	$4,584	4.44%
USDA	52	$6,670,000	$128,269	$3,650	4.59%

For 2018, Union Savings Bank's most frequently originated type of loan was Conventional, with 9,372 originations. Their 2nd most popular type was FHA, with 830 originations.

Loan Reason

Loan Reason	Originations	Total Value	Avg. Loan	Avg. Fees	Avg. Rate
Home Purchase	6,769	$1,467,745,000	$216,833	$2,105	4.38%
Refi	1,677	$279,905,000	$166,908	$708	4.29%
Cash Out Refi	1,451	$259,115,000	$178,577	$1,335	4.24%
Home Improvement	857	$34,755,000	$40,554	$264	3.79%
Other	357	$35,075,000	$98,249	$985	5.22%

For 2018, Union Savings Bank's most frequently cited loan purpose was Home Purchase, with 6,769 originations. The 2nd most popular reason was Refi, with 1,677 originations.

Loan Duration/Length

Loan Length	Originations	Total Value	Average Loan	Average Fees	Average Rate
30 Year	7,916	$1,693,210,000	$213,897	$1,980	4.39%
15 Year	1,595	$242,905,000	$152,292	$823	4.05%
10 Year	781	$55,405,000	$70,941	$636	5.53%
5 Year	408	$2,120,000	$5,196	$29	2.02%
20 Year	346	$60,920,000	$176,069	$1,014	4.24%
Other	61	$22,015,000	$360,902	$800	4.33%
1 Year	3	$15,000	$5,000	$275	3.75%
3 Year	1	$5,000	$5,000	$0	4.25%

For 2018, Union Savings Bank's most frequently cited loan duration was 30 Year, with 7,916 originations. The 2nd most popular length was 15 Year, with 1,595 originations.

Origination Fees/Closing Costs

Origination Fee/Closing Cost	Originations	Total Value	Average Loan
$<1k	7,577	$1,375,585,000	$181,547
$1k-2k	1,537	$331,015,000	$215,364
$2k-3k	389	$85,345,000	$219,396
$3k-4k	178	$49,910,000	$280,393
$5k+	96	$58,980,000	$614,375
$4k-5k	80	$27,680,000	$346,000

Union Savings Bank's average total fees were $1,980, while their most frequently occuring range of origination fees (closing costs) were in the $<1k bucket, with 7,577 originations.

Interest Rates

Loan Rate	Originations	Total Value	Average Loan
4-5%	6,866	$1,341,360,000	$195,363
3-4%	2,799	$607,545,000	$217,058
5-6%	778	$88,110,000	$113,252
<2.5%	406	$2,620,000	$6,453
6-7%	163	$13,995,000	$85,859
2.5-3%	96	$22,660,000	$236,042
7-8%	3	$305,000	$101,667

During 2018, Union Savings Bank's average interest rate for loans was 4.39%, while their most frequently originated rate bucket for loans was 4-5%, with 6,866 originations.

Loan Sizing

Loan Size	Originations	Total Value	Average Loan	Average Fees	Average Rate
$100k-200k	4,270	$627,300,000	$146,909	$1,584	4.39%
$200k-400k	3,171	$867,755,000	$273,653	$2,012	4.31%
$100,000 or less	2,940	$166,370,000	$56,588	$881	4.31%
$400k-600k	565	$260,005,000	$460,186	$2,291	4.15%
$600k-1MM	125	$92,265,000	$738,120	$4,597	4.19%
$1MM+	40	$62,900,000	$1,572,500	$10,321	4.47%

2018 saw Union Savings Bank place emphasis on $100k-200k loans with 4,270 originations, totaling $627,300,000 in origination value.

Applicant Income

Applicant Income	Originations	Total Value	Average Loan	Average Fees	Average Rate
$100k-150k	2,626	$547,260,000	$208,401	$1,675	4.39%
$50k-75k	2,301	$314,735,000	$136,782	$1,655	4.37%
$75k-100k	1,980	$342,340,000	$172,899	$1,650	4.37%
$50k or less	1,788	$150,650,000	$84,256	$1,429	4.09%
$150k-250k	1,623	$439,565,000	$270,835	$1,771	4.37%
$250k+	628	$232,460,000	$370,159	$2,197	4.31%

Union Savings Bank lent most frequently to those with incomes in the $100k-150k range, with 2,626 originations. The second most popular income band? $50k-75k, with 2,301 originations.

Applicant Debt to Income Ratio

DTI Ratio	Originations	Total Value	Average Loan	Average Fees	Average Rate
20-30%	3,409	$613,105,000	$179,849	$1,393	4.37%
30-36%	2,377	$463,135,000	$194,840	$1,700	4.38%
<20%	1,598	$238,690,000	$149,368	$1,010	4.30%
38%	381	$76,175,000	$199,934	$1,882	4.38%
36%	371	$70,365,000	$189,663	$1,523	4.30%
39%	370	$76,400,000	$206,486	$1,739	4.31%
40%	344	$70,420,000	$204,709	$1,861	4.34%
37%	327	$69,495,000	$212,523	$1,962	4.38%
41%	318	$64,250,000	$202,044	$1,857	4.26%
42%	284	$63,820,000	$224,718	$2,198	4.38%
43%	233	$52,235,000	$224,185	$2,339	4.30%
50-60%	212	$32,120,000	$151,509	$4,027	4.10%
44%	196	$40,790,000	$208,112	$2,480	4.35%
45%	130	$26,360,000	$202,769	$2,859	4.32%
46%	107	$23,015,000	$215,093	$2,890	4.34%
47%	91	$17,445,000	$191,703	$2,614	4.23%
>60%	89	$2,035,000	$22,865	$77	2.27%
48%	84	$19,020,000	$226,429	$3,342	4.29%
49%	57	$13,235,000	$232,193	$4,015	4.36%

Union Savings Bank lent most frequently to those with DTI ratios of 20-30%, with 3,409 originations. The next most common DTI ratio? 30-36%, with 2,377 originations.

Ethnicity Mix

Applicant Ethnicity	Originations	Total Value	Average Loan	Average Fees	Average Rate
White	9,174	$1,754,500,000	$191,247	$1,663	4.42%
Not provided	810	$175,670,000	$216,877	$2,155	4.39%
Asian	405	$86,775,000	$214,259	$1,534	4.28%
Black	678	$48,100,000	$70,944	$1,222	3.13%
American Indian	14	$3,340,000	$238,571	$2,812	4.27%
Not applicable	3	$2,735,000	$911,667	$0	5.50%
Native Hawaiian or Islander	10	$1,530,000	$153,000	$1,071	4.38%
Chinese	3	$1,475,000	$491,667	$885	4.42%
Asian Indian	4	$850,000	$212,500	$779	4.22%
Other Pacific Islander	3	$545,000	$181,667	$4,085	4.63%
Other Asian	4	$530,000	$132,500	$540	4.41%
Korean	1	$195,000	$195,000	$797	3.50%
Filipino	1	$195,000	$195,000	$767	4.25%
Samoan	1	$155,000	$155,000	$2,851	5.00%

Approval Rates

Total approvals of all applications
88.74%

Union Savings Bank has an average approval rate.

Pick Rate

Approvals leading to origination
85.60%

Union Savings Bank has an average pick rate.

Points and Fees

Points	Originations	Total Value	Average Loan
NA	11,111	$2,076,595,000	$186,895

Occupancy Type Mix

Dwelling Type	Originations	Total Value	Average Loan
Multifamily:Site-Built	46	$27,920,000	$606,957
Single Family (1-4 Units):Site-Built	11,065	$2,048,675,000	$185,149

LTV Distribution

Loan to Value	Originations	Total Value	Average Loan	Average Fees	Average Rate
20-40%	791	$95,065,000	$120,183	$915	4.62%
40-60%	1,359	$255,565,000	$188,054	$1,067	4.29%
60-80%	4,155	$924,635,000	$222,535	$1,392	4.29%
80-100%	3,817	$762,005,000	$199,635	$2,398	4.44%
Over 100%	51	$11,215,000	$219,902	$6,898	4.47%
Under 20%	937	$28,105,000	$29,995	$228	3.93%

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	$31,676
Union Savings Bank	1499 W Dupont Road Fort Wayne, IN 46825	Full Service B&M	$61,340
Union Savings Bank	1320 Brice Road Reynoldsburg, OH 43068	Full Service B&M	$111,658
Union Savings Bank	1330 Morse Road Columbus, OH 43229	Full Service B&M	$54,527
Union Savings Bank	100 E Market Street Xenia, OH 45385	Full Service B&M	$1,305
Union Savings Bank	1040 E Second St Franklin, OH 45005	Full Service B&M	$40,265
Union Savings Bank	1225 Main Street Hamilton, OH 45013	Full Service B&M	$97,632
Union Savings Bank	1614 Washington Road Pittsburgh, PA 15241	Full Service B&M	$2,000
Union Savings Bank	1654 East Main Street Lancaster, OH 43130	Full Service B&M	$80,820
Union Savings Bank	20 Prestige Plaza Drive Miamisburg, OH 45342	Full Service B&M	$4,272
Union Savings Bank	2137 Beechmont Avenue Cincinnati, OH 45230	Full Service B&M	$82,424
Union Savings Bank	2237 South Curry Pike Bloomington, IN 47403	Full Service B&M	$53,981
Union Savings Bank	2655 Central Avenue Columbus, IN 47201	Full Service B&M	$29,423
Union Savings Bank	2691 Madison Rd. Cincinnati, OH 45208	Full Service B&M	$60,240
Union Savings Bank	2794 Colonel Glenn Hwy. Fairborn, OH 45324	Full Service B&M	$55,530
Union Savings Bank	3030 Woodman Drive Kettering, OH 45420	Full Service B&M	$85,105
Union Savings Bank	3250 Northwest Blvd. Upper Arlington, OH 43221	Full Service B&M	$60,723
Union Savings Bank	3550 W. Dublin Granville Columbus, OH 43235	Full Service B&M	$81,873
Union Savings Bank	4090 Hoover Rd. Grove City, OH 43123	Full Service B&M	$64,058
Union Savings Bank	44 S. State St. Westerville, OH 43081	Full Service B&M	$67,948
Union Savings Bank	510 West Loveland Avenue Loveland, OH 45140	Full Service B&M	$75,058
Union Savings Bank	525 West National Road Englewood, OH 45322	Full Service B&M	$106,830
Union Savings Bank	5556 William Flynn Hwy Gibsonia, PA 15044	Full Service B&M	$4,884
Union Savings Bank	5651 Far Hills Avenue Dayton, OH 45429	Full Service B&M	$140,756
Union Savings Bank	5881 E. 82nd St Indianapolis, IN 46250	Full Service B&M	$100,952
Union Savings Bank	6393 Glenway Ave. Western Hills, OH 45211	Full Service B&M	$94,745
Union Savings Bank	6701 Hamilton Ave. Cincinnati, OH 45224	Full Service B&M	$59,010
Union Savings Bank	721 Wessel Dr. Fairfield, OH 45014	Full Service B&M	$56,157
Union Savings Bank	7435 Kenwood Road Cincinnati, OH 45236	Full Service B&M	$16,683
Union Savings Bank	7615 Voice Of America Center Drive West Chester, OH 45069	Full Service B&M	$33,026
Union Savings Bank	8320 Plainfield Road Cincinnati, OH 45236	Full Service B&M	$73,123
Union Savings Bank	843 Eastgate S. Dr Cincinnati, OH 45245	Full Service B&M	$51,350
Union Savings Bank	8534 East Kemper Road Cincinnati, OH 45249	Full Service B&M	$349,077
Union Savings Bank	91 Byrd Way Greenwood, IN 46143	Full Service B&M	$2,731

For 2018, Union Savings Bank had 34 branches.

Yearly Performance Overview

Bank Income

Item	Value (in 000's)
Total interest income	$105,009
Net interest income	$78,849
Total noninterest income	$36,418
Gross Fiduciary activities income	$0
Service charges on deposit accounts	$448
Trading account gains and fees	$0
Additional Noninterest Income	$35,970
Pre-tax net operating income	$55,075
Securities gains (or losses, -)	$0
Income before extraordinary items	$55,075
Discontinued Operations (Extraordinary gains, net)	$0
Net income of bank and minority interests	$55,075
Minority interest net income	$0
Net income	$55,075
Sale, conversion, retirement of capital stock, net	$0
Net operating income	$55,075

Union Savings Bank's gross interest income from loans was $105,009,000.
Union Savings Bank's net interest income from loans was $78,849,000.
Union Savings Bank's fee based income from loans was $448,000.
Union Savings Bank's net income from loans was $55,075,000.

Bank Expenses

Item	Value (in 000's)
Total interest expense	$26,160
Provision for credit losses	$240
Total noninterest expense	$59,952
Salaries and employee benefits	$36,785
Premises and equipment expense	$8,769
Additional noninterest expense	$14,398
Applicable income taxes	$0
Net charge-offs	$129
Cash dividends	$40,141

Union Savings Bank's interest expense for loans was $26,160,000.
Union Savings Bank's payroll and benefits expense were $36,785,000.
Union Savings Bank's property, plant and equipment expenses $8,769,000.

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	$2,400,136
Deposits held in domestic offices	$2,400,136
Deposits by Individuals, partnerships, and corporations	$2,400,136
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	$781,120
Demand deposits	$197,439
Nontransaction accounts	$1,619,016
Money market deposit accounts (MMDAs)	$0
Other savings deposits (excluding MMDAs)	$340,966
Total time deposits	$1,278,052
Total time and savings deposits	$2,202,697
Noninterest-bearing deposits	$197,440
Interest-bearing deposits	$2,202,696
Retail deposits	$2,207,464
IRAs and Keogh plan accounts	$118,748
Brokered deposits	$0
Deposits held in foreign offices	$0

Assets

Asset	Value (in 000's)
Total Assets	$2,750,944
Cash & Balances due from depository institutions	$299,717
Interest-bearing balances	$294,691
Total securities	$5,144
Federal funds sold & reverse repurchase	$11,852
Net loans and leases	$2,236,541
Loan and leases loss allowance	$27,558
Trading account assets	$0
Bank premises and fixed assets	$37,082
Other real estate owned	$147
Goodwill and other intangibles	$74,795
All other assets	$85,666

Liabilities

Liabilities	Value (in 000's)
Total liabilities and capital	$2,750,943
Total Liabilities	$2,443,197
Total deposits	$2,400,136
Interest-bearing deposits	$2,202,696
Deposits held in domestic offices	$2,400,136
% insured (estimated)	$90
Federal funds purchased and repurchase agreements	$0
Trading liabilities	$0
Other borrowed funds	$0
Subordinated debt	$0
All other liabilities	$43,061

Issued Loan Types

Type	Value (in 000's)
Net loans and leases	$2,236,541
Loan and leases loss allowance	$27,558
Total loans and leases (domestic)	$2,264,099
All real estate loans	$2,248,658
Real estate loans in domestic offices	$2,248,658
Construction and development loans	$139,932
Residential 1-4 family construction	$92,679
Other construction, all land development and other land	$47,253
Loans secured by nonfarm nonresidential properties	$154,562
Nonfarm nonresidential secured by owner-occupied properties	$0
Commercial real estate & other non-farm, non-residential	$154,562
Multifamily residential real estate	$115,754
1-4 family residential loans	$1,838,141
Farmland loans	$269
Loans held in foreign offices	$0
Farm loans	$0
Commercial and industrial loans	$10,539
To non-U.S. addressees	$0
Loans to individuals	$4,902
Credit card loans	$0
Related Plans	$30
Consumer Auto Loans	$0
Other loans to individuals	$4,872
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	$10,528
Non 1-4 family restructured loans & leases	$4,779
Total loans and leases (foreign)	$0

Union Savings Bank had $2,236,541,000 of loans outstanding in 2018. $2,248,658,000 of loans were in real estate loans. $139,932,000 of loans were in development loans. $115,754,000 of loans were in multifamily mortgage loans. $1,838,141,000 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	232	$51,646	$222,612
Nonfarm, nonresidential loans - <$100k	32	$1,463	$45,719
Nonfarm, nonresidential loans - $100-250k	85	$9,792	$115,200
Nonfarm, nonresidential loans - $250k-1MM	115	$40,391	$351,226
Farmland loans - <$1MM	3	$269	$89,667
Farmland loans - $100-250k	2	$187	$93,500
Farmland loans - $250k-1MM	1	$82	$82,000