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

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    • Review & Overview

    Union Savings Bank is a mid-sized bank specializing in 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, Indianapolis, Dayton, and Pittsburgh among others. We have data for 174 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 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% 12/16/24
    30 Year Conventional Purchase 6.59% 12/16/24
    30 Year Conventional Refi 6.38% 12/16/24
    30 Year Cash-out Refi 6.48% 12/16/24
    30 Year FHA Purchase 7.28% 12/16/24
    30 Year FHA Refi 7.19% 12/16/24
    30 Year VA Purchase 6.17% 12/16/24
    30 Year VA Refi 5.73% 12/16/24
    30 Year USDA Purchase 6.80% 12/16/24
    30 Year USDA Refi 6.93% 12/16/24
    15 Year Conventional Purchase 5.82% 12/16/24
    15 Year Conventional Refi 5.80% 12/16/24
    15 Year Cash-out Refi 5.80% 12/16/24
    15 Year FHA Refi 5.96% 12/16/24
    15 Year VA Purchase 6.23% 12/16/24
    15 Year VA Refi 5.68% 12/16/24
    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






    Your Estimates

    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

    28,862

    Origination Dollar Volume (All Markets)

    $6,047,570,000

    Employee count

    570 Show all (56) 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) 10,075 $2,185,535,000 $216,927 $1,143 3.18%
    COLUMBUS, OH (FHA|USDA|VA) 6,108 $1,367,730,000 $223,924 $1,202 3.14%
    INDIANAPOLIS-CARMEL-ANDERSON, IN (FHA|USDA|VA) 4,561 $935,605,000 $205,132 $872 3.09%
    DAYTON-KETTERING, OH (FHA|USDA|VA) 4,332 $789,170,000 $182,172 $1,156 3.14%
    PITTSBURGH, PA (FHA|USDA|VA) 687 $153,455,000 $223,370 $2,318 3.04%
    FORT WAYNE, IN (FHA|USDA|VA) 962 $152,460,000 $158,482 $1,014 3.14%
    COLUMBUS, IN (FHA|USDA|VA) 349 $63,285,000 $181,332 $620 3.05%
    Los Angeles-Long Beach-Anaheim, CA (FHA|USDA|VA) 39 $43,765,000 $1,122,179 $12,134 3.85%
    Outside of Metro Areas 181 $30,435,000 $168,149 $1,727 3.18%
    CLEVELAND-ELYRIA, OH (FHA|USDA|VA) 111 $25,345,000 $228,333 $1,502 3.01%
    SPRINGFIELD, OH (FHA|USDA|VA) 140 $23,610,000 $168,643 $1,414 3.08%
    BLOOMINGTON, IN (FHA|USDA|VA) 117 $22,835,000 $195,171 $950 3.08%
    LEXINGTON-FAYETTE, KY (FHA|USDA|VA) 95 $18,815,000 $198,053 $2,072 3.24%
    Miami-Fort Lauderdale-Pompano Beach, FL (FHA|USDA|VA) 19 $15,335,000 $807,105 $8,883 3.64%
    Mount Vernon, OH (FHA|USDA|VA) 56 $11,750,000 $209,821 $1,321 3.15%
    Wilmington, OH (FHA|USDA|VA) 66 $10,790,000 $163,485 $1,056 3.22%
    LOUISVILLE, KY (FHA|USDA|VA) 37 $10,465,000 $282,838 $1,598 3.19%
    Sidney, OH (FHA|USDA|VA) 61 $9,485,000 $155,492 $894 3.15%
    Bellefontaine, OH (FHA|USDA|VA) 46 $9,120,000 $198,261 $1,060 3.14%
    New Castle, PA (FHA|USDA|VA) 51 $7,125,000 $139,706 $3,054 2.88%
    North Port-Sarasota-Bradenton, FL (FHA|USDA|VA) 16 $6,590,000 $411,875 $2,747 3.28%
    KNOXVILLE, TN (FHA|USDA|VA) 20 $6,250,000 $312,500 $2,937 3.17%
    Auburn, IN (FHA|USDA|VA) 39 $6,245,000 $160,128 $1,243 3.15%
    Urbana, OH (FHA|USDA|VA) 28 $5,210,000 $186,071 $1,157 3.24%
    Greenville, OH (FHA|USDA|VA) 29 $4,695,000 $161,897 $1,571 3.08%
    ORLANDO-KISSIMMEE-SANFORD, FL (FHA|USDA|VA) 11 $4,345,000 $395,000 $3,026 3.07%
    Warsaw, IN (FHA|USDA|VA) 28 $4,230,000 $151,071 $731 3.17%
    TOLEDO, OH (FHA|USDA|VA) 25 $4,005,000 $160,200 $1,133 3.07%
    New York-Newark-Jersey City, NY-NJ-PA (FHA|USDA|VA) 2 $3,940,000 $1,970,000 $9,766 3.13%
    LAFAYETTE-WEST LAFAYETTE, IN (FHA|USDA|VA) 25 $3,885,000 $155,400 $636 3.18%
    Kendallville, IN (FHA|USDA|VA) 19 $3,665,000 $192,895 $1,046 3.23%
    AKRON, OH (FHA|USDA|VA) 19 $3,645,000 $191,842 $698 3.05%
    CAPE CORAL-FORT MYERS, FL (FHA|USDA|VA) 12 $3,550,000 $295,833 $2,937 3.23%
    Bluffton, IN (FHA|USDA|VA) 20 $3,080,000 $154,000 $1,433 3.10%
    Washington Court House, OH (FHA|USDA|VA) 12 $2,950,000 $245,833 $1,432 3.09%
    Chillicothe, OH (FHA|USDA|VA) 19 $2,815,000 $148,158 $1,688 3.14%
    Wapakoneta, OH (FHA|USDA|VA) 16 $2,770,000 $173,125 $2,013 3.09%
    MANSFIELD, OH (FHA|USDA|VA) 12 $2,710,000 $225,833 $1,770 2.97%
    NAPLES-MARCO ISLAND, FL (FHA|USDA|VA) 8 $2,690,000 $336,250 $3,033 3.33%
    Marion, OH (FHA|USDA|VA) 16 $2,550,000 $159,375 $1,537 3.00%
    Angola, IN (FHA|USDA|VA) 12 $2,480,000 $206,667 $715 3.05%
    YOUNGSTOWN-WARREN-BOARDMAN, OH-PA (FHA|USDA|VA) 17 $2,395,000 $140,882 $3,272 2.91%
    TAMPA-ST. PETERSBURG-CLEARWATER, FL (FHA|USDA|VA) 9 $2,275,000 $252,778 $1,751 3.19%
    Chicago-Naperville-Elgin, IL-IN-WI (FHA|USDA|VA) 12 $2,140,000 $178,333 $1,585 3.16%
    Richmond-Berea, KY (FHA|USDA|VA) 7 $2,065,000 $295,000 $1,989 3.29%
    KOKOMO, IN (FHA|USDA|VA) 15 $1,955,000 $130,333 $1,039 3.13%
    Seymour, IN (FHA|USDA|VA) 15 $1,945,000 $129,667 $503 2.94%
    Detroit-Warren-Dearborn, MI (FHA|USDA|VA) 7 $1,835,000 $262,143 $2,225 2.84%
    Greensburg, IN (FHA|USDA|VA) 12 $1,810,000 $150,833 $1,041 2.90%
    PHOENIX-MESA-CHANDLER, AZ (FHA|USDA|VA) 5 $1,745,000 $349,000 $4,558 3.13%
    CRESTVIEW-FORT WALTON BEACH-DESTIN, FL (FHA|USDA|VA) 4 $1,740,000 $435,000 $12,966 3.25%
    Washington-Arlington-Alexandria, DC-VA-MD-WV (FHA|USDA|VA) 6 $1,710,000 $285,000 $1,425 3.04%
    Findlay, OH (FHA|USDA|VA) 9 $1,555,000 $172,778 $613 3.47%
    SANTA ROSA-PETALUMA, CA (FHA|USDA|VA) 3 $1,315,000 $438,333 $2,973 3.00%
    Huntington, IN (FHA|USDA|VA) 7 $1,295,000 $185,000 $2,518 3.20%
    PORTLAND-VANCOUVER-HILLSBORO, OR-WA (FHA|USDA|VA) 2 $1,270,000 $635,000 $3,635 3.50%
    RICHMOND, VA (FHA|USDA|VA) 4 $1,250,000 $312,500 $2,563 3.00%
    North Vernon, IN (FHA|USDA|VA) 8 $1,240,000 $155,000 $781 3.06%
    Somerset, KY (FHA|USDA|VA) 7 $1,135,000 $162,143 $1,214 3.09%
    Athens, OH (FHA|USDA|VA) 7 $1,125,000 $160,714 $905 2.96%
    Sandusky, OH (FHA|USDA|VA) 4 $1,060,000 $265,000 $940 3.19%
    SAN DIEGO-CHULA VISTA-CARLSBAD, CA (FHA|USDA|VA) 2 $1,060,000 $530,000 $1,718 2.94%
    Decatur, IN (FHA|USDA|VA) 9 $1,045,000 $116,111 $385 3.24%
    Celina, OH (FHA|USDA|VA) 8 $1,040,000 $130,000 $385 3.16%
    GREENVILLE-ANDERSON, SC (FHA|USDA|VA) 4 $1,040,000 $260,000 $1,716 3.06%
    JACKSONVILLE, FL (FHA|USDA|VA) 4 $1,030,000 $257,500 $1,970 3.00%
    MEMPHIS, TN-MS-AR (FHA|USDA|VA) 2 $1,010,000 $505,000 $6,031 3.25%
    NASHVILLE-DAVIDSON-MURFREESBORO-FRANKLIN, TN (FHA|USDA|VA) 3 $985,000 $328,333 $2,304 3.04%
    ELKHART-GOSHEN, IN (FHA|USDA|VA) 6 $940,000 $156,667 $1,315 3.06%
    PALM BAY-MELBOURNE-TITUSVILLE, FL (FHA|USDA|VA) 4 $930,000 $232,500 $2,887 3.19%
    San Francisco-Oakland-Berkeley, CA (FHA|USDA|VA) 1 $925,000 $925,000 $13,173 3.88%
    HILTON HEAD ISLAND-BLUFFTON, SC (FHA|USDA|VA) 3 $895,000 $298,333 $2,020 3.04%
    Zanesville, OH (FHA|USDA|VA) 6 $880,000 $146,667 $780 3.02%
    Crawfordsville, IN (FHA|USDA|VA) 5 $875,000 $175,000 $385 3.03%
    EVANSVILLE, IN-KY (FHA|USDA|VA) 5 $835,000 $167,000 $562 3.00%
    TERRE HAUTE, IN (FHA|USDA|VA) 4 $800,000 $200,000 $2,241 3.00%
    PUNTA GORDA, FL (FHA|USDA|VA) 4 $760,000 $190,000 $4,012 3.19%
    Boston-Cambridge-Newton, MA-NH (FHA|USDA|VA) 1 $735,000 $735,000 $0 4.00%
    MINNEAPOLIS-ST. PAUL-BLOOMINGTON, MN-WI (FHA|USDA|VA) 2 $700,000 $350,000 $8,915 3.19%
    MUNCIE, IN (FHA|USDA|VA) 4 $690,000 $172,500 $1,429 3.34%
    CANTON-MASSILLON, OH (FHA|USDA|VA) 3 $685,000 $228,333 $1,999 3.21%
    Richmond, IN (FHA|USDA|VA) 3 $675,000 $225,000 $1,382 3.38%
    WENATCHEE, WA (FHA|USDA|VA) 1 $665,000 $665,000 $2,941 2.75%
    Ashland, OH (FHA|USDA|VA) 2 $660,000 $330,000 $2,067 3.13%
    LIMA, OH (FHA|USDA|VA) 3 $645,000 $215,000 $3,232 3.25%
    Bedford, IN (FHA|USDA|VA) 5 $625,000 $125,000 $1,565 3.05%
    Philadelphia-Camden-Wilmington, PA-NJ-DE-MD (FHA|USDA|VA) 2 $620,000 $310,000 $3,689 2.56%
    BARNSTABLE TOWN, MA (FHA|USDA|VA) 1 $605,000 $605,000 $2,791 4.25%
    DELTONA-DAYTONA BEACH-ORMOND BEACH, FL (FHA|USDA|VA) 3 $605,000 $201,667 $2,669 3.29%
    Marietta, OH (FHA|USDA|VA) 3 $585,000 $195,000 $2,970 2.75%
    New Philadelphia-Dover, OH (FHA|USDA|VA) 2 $570,000 $285,000 $2,340 3.25%
    LAS VEGAS-HENDERSON-PARADISE, NV (FHA|USDA|VA) 3 $565,000 $188,333 $2,225 2.83%
    New Castle, IN (FHA|USDA|VA) 4 $560,000 $140,000 $1,618 3.19%
    PORT ST. LUCIE, FL (FHA|USDA|VA) 2 $550,000 $275,000 $1,245 3.19%
    CHARLOTTE-CONCORD-GASTONIA, NC-SC (FHA|USDA|VA) 2 $540,000 $270,000 $5,401 3.00%
    CHARLESTON-NORTH CHARLESTON, SC (FHA|USDA|VA) 2 $530,000 $265,000 $1,900 3.25%
    Sevierville, TN (FHA|USDA|VA) 2 $530,000 $265,000 $0 3.88%
    FAYETTEVILLE-SPRINGDALE-ROGERS, AR (FHA|USDA|VA) 1 $515,000 $515,000 $3,073 3.25%
    Oil City, PA (FHA|USDA|VA) 5 $505,000 $101,000 $3,354 2.58%
    VALLEJO, CA (FHA|USDA|VA) 1 $485,000 $485,000 $2,188 3.88%
    HARRISBURG-CARLISLE, PA (FHA|USDA|VA) 1 $465,000 $465,000 $3,206 2.88%
    Wooster, OH (FHA|USDA|VA) 3 $455,000 $151,667 $1,143 3.08%
    SANTA MARIA-SANTA BARBARA, CA (FHA|USDA|VA) 1 $455,000 $455,000 $0 4.25%
    DURHAM-CHAPEL HILL, NC (FHA|USDA|VA) 1 $455,000 $455,000 $2,261 2.38%
    SALEM, OR (FHA|USDA|VA) 1 $445,000 $445,000 $3,442 2.75%
    RALEIGH-CARY, NC (FHA|USDA|VA) 1 $435,000 $435,000 $2,176 2.38%
    ASHEVILLE, NC (FHA|USDA|VA) 2 $400,000 $200,000 $6,800 3.38%
    Peru, IN (FHA|USDA|VA) 2 $390,000 $195,000 $759 3.19%
    RENO, NV (FHA|USDA|VA) 1 $385,000 $385,000 $50 2.75%
    Crossville, TN (FHA|USDA|VA) 2 $380,000 $190,000 $2,408 3.13%
    Kalispell, MT (FHA|USDA|VA) 1 $375,000 $375,000 $2,593 3.00%
    PENSACOLA-FERRY PASS-BRENT, FL (FHA|USDA|VA) 1 $375,000 $375,000 $1,636 3.50%
    SAN LUIS OBISPO-PASO ROBLES, CA (FHA|USDA|VA) 1 $355,000 $355,000 $1,966 3.25%
    HICKORY-LENOIR-MORGANTON, NC (FHA|USDA|VA) 1 $345,000 $345,000 $665 2.75%
    Seneca, SC (FHA|USDA|VA) 1 $335,000 $335,000 $2,620 2.75%
    HAGERSTOWN-MARTINSBURG, MD-WV (FHA|USDA|VA) 1 $325,000 $325,000 $10,086 2.88%
    ST. LOUIS, MO-IL (FHA|USDA|VA) 2 $320,000 $160,000 $1,701 3.13%
    Norwalk, OH (FHA|USDA|VA) 2 $310,000 $155,000 $305 3.13%
    Jackson, OH (FHA|USDA|VA) 2 $310,000 $155,000 $804 3.19%
    Dallas-Fort Worth-Arlington, TX (FHA|USDA|VA) 1 $305,000 $305,000 $12,178 3.25%
    Mountain Home, AR (FHA|USDA|VA) 1 $295,000 $295,000 $1,842 3.63%
    St. Marys, PA (FHA|USDA|VA) 2 $290,000 $145,000 $2,311 2.75%
    MORGANTOWN, WV (FHA|USDA|VA) 1 $285,000 $285,000 $7,773 4.25%
    Marion, IN (FHA|USDA|VA) 2 $280,000 $140,000 $1,730 3.13%
    COLORADO SPRINGS, CO (FHA|USDA|VA) 1 $275,000 $275,000 $0 2.38%
    VIRGINIA BEACH-NORFOLK-NEWPORT NEWS, VA-NC (FHA|USDA|VA) 1 $275,000 $275,000 $702 2.25%
    MILWAUKEE-WAUKESHA, WI (FHA|USDA|VA) 1 $275,000 $275,000 $1,933 2.88%
    Portsmouth, OH (FHA|USDA|VA) 2 $270,000 $135,000 $1,600 3.50%
    Coldwater, MI (FHA|USDA|VA) 1 $265,000 $265,000 $6,132 3.00%
    Hillsdale, MI (FHA|USDA|VA) 1 $265,000 $265,000 $2,235 3.00%
    Van Wert, OH (FHA|USDA|VA) 2 $260,000 $130,000 $3,892 2.75%
    Maysville, KY (FHA|USDA|VA) 2 $260,000 $130,000 $920 3.38%
    Cambridge, OH (FHA|USDA|VA) 3 $255,000 $85,000 $489 4.00%
    Indiana, PA (FHA|USDA|VA) 2 $250,000 $125,000 $3,508 3.19%
    London, KY (FHA|USDA|VA) 1 $245,000 $245,000 $1,217 3.38%
    OCALA, FL (FHA|USDA|VA) 1 $245,000 $245,000 $2,587 3.25%
    DENVER-AURORA-LAKEWOOD, CO (FHA|USDA|VA) 1 $225,000 $225,000 $2,093 2.75%
    Somerset, PA (FHA|USDA|VA) 3 $215,000 $71,667 $2,776 1.83%
    Key West, FL (FHA|USDA|VA) 1 $215,000 $215,000 $1,845 3.00%
    ST. CLOUD, MN (FHA|USDA|VA) 1 $205,000 $205,000 $5,322 3.38%
    COLUMBUS, GA-AL (FHA|USDA|VA) 1 $195,000 $195,000 $2,866 2.38%
    Tiffin, OH (FHA|USDA|VA) 1 $185,000 $185,000 $4,140 2.25%
    COLUMBIA, SC (FHA|USDA|VA) 1 $185,000 $185,000 $2,702 3.00%
    RIVERSIDE-SAN BERNARDINO-ONTARIO, CA (FHA|USDA|VA) 1 $185,000 $185,000 $1,575 3.00%
    LANCASTER, PA (FHA|USDA|VA) 1 $175,000 $175,000 $325 2.88%
    Defiance, OH (FHA|USDA|VA) 1 $175,000 $175,000 $451 3.50%
    Lewisburg, TN (FHA|USDA|VA) 1 $175,000 $175,000 $2,388 2.38%
    MICHIGAN CITY-LA PORTE, IN (FHA|USDA|VA) 2 $170,000 $85,000 $385 3.00%
    LAKELAND-WINTER HAVEN, FL (FHA|USDA|VA) 1 $165,000 $165,000 $2,683 3.50%
    KANSAS CITY, MO-KS (FHA|USDA|VA) 1 $165,000 $165,000 $1,552 3.00%
    Ashtabula, OH (FHA|USDA|VA) 1 $165,000 $165,000 $285 2.88%
    Plymouth, IN (FHA|USDA|VA) 1 $165,000 $165,000 $0 2.38%
    THE VILLAGES, FL (FHA|USDA|VA) 1 $155,000 $155,000 $1,103 3.00%
    Mount Sterling, KY (FHA|USDA|VA) 1 $155,000 $155,000 $500 2.75%
    BOWLING GREEN, KY (FHA|USDA|VA) 1 $145,000 $145,000 $4,724 2.25%
    WHEELING, WV-OH (FHA|USDA|VA) 1 $145,000 $145,000 $2,851 3.25%
    WARNER ROBINS, GA (FHA|USDA|VA) 1 $145,000 $145,000 $993 2.25%
    Madison, IN (FHA|USDA|VA) 1 $145,000 $145,000 $304 3.38%
    WICHITA, KS (FHA|USDA|VA) 1 $135,000 $135,000 $0 2.25%
    MYRTLE BEACH-CONWAY-NORTH MYRTLE BEACH, SC-NC (FHA|USDA|VA) 1 $125,000 $125,000 $2,329 3.00%
    PEORIA, IL (FHA|USDA|VA) 1 $125,000 $125,000 $1,883 2.75%
    Bardstown, KY (FHA|USDA|VA) 1 $125,000 $125,000 $495 3.25%
    AUBURN-OPELIKA, AL (FHA|USDA|VA) 1 $125,000 $125,000 $1,640 3.38%
    Glasgow, KY (FHA|USDA|VA) 1 $125,000 $125,000 $676 3.00%
    COLLEGE STATION-BRYAN, TX (FHA|USDA|VA) 1 $115,000 $115,000 $1,670 2.75%
    Connersville, IN (FHA|USDA|VA) 1 $105,000 $105,000 $1,833 2.75%
    Heber, UT (FHA|USDA|VA) 1 $105,000 $105,000 $0 5.25%
    Bucyrus-Galion, OH (FHA|USDA|VA) 1 $105,000 $105,000 $280 3.25%
    Frankfort, IN (FHA|USDA|VA) 2 $100,000 $50,000 $1,193 3.31%
    GAINESVILLE, FL (FHA|USDA|VA) 1 $95,000 $95,000 $0 3.50%
    SOUTH BEND-MISHAWAKA, IN-MI (FHA|USDA|VA) 1 $75,000 $75,000 $1,298 2.75%
    Point Pleasant, WV-OH (FHA|USDA|VA) 1 $75,000 $75,000 $1,957 2.75%
    GAINESVILLE, GA (FHA|USDA|VA) 1 $55,000 $55,000 $0 3.25%
    Murray, KY (FHA|USDA|VA) 1 $45,000 $45,000 $250 3.00%
    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)
  • Kentucky (FHA|USDA|VA)
  • Pennsylvania (FHA|USDA|VA)
  • California (FHA|USDA|VA)

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    Product Mix

    Loan Type Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Conventional 26,471 $5,638,685,000 $213,014 $968 3.12%
    FHA 865 $147,505,000 $170,526 $5,617 3.01%
    HELOC 765 $64,775,000 $84,673 n/a 4.49%
    VA 685 $186,115,000 $271,701 $3,057 2.66%
    USDA 76 $10,490,000 $138,026 $3,998 2.91%

    For 2020, Union Savings Bank's most frequently originated type of loan was Conventional, with 26,471 originations. Their 2nd most popular type was FHA, with 865 originations.

    Loan Reason

    Loan Reason Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Refi 16,987 $3,490,845,000 $205,501 $639 3.06%
    Home Purchase 5,523 $1,383,405,000 $250,481 $2,462 3.22%
    Cash Out Refi 5,364 $1,076,540,000 $200,697 $1,649 3.16%
    Other 521 $63,155,000 $121,219 $2,126 4.20%
    Home Improvement 467 $33,625,000 $72,002 $624 3.64%

    For 2020, Union Savings Bank's most frequently cited loan purpose was Refi, with 16,987 originations. The 2nd most popular reason was Home Purchase, with 5,523 originations.

    Loan Duration/Length

    Loan Length Originations Total Value Average Loan Average Fees Average Rate
    30 Year 14,645 $3,399,565,000 $232,131 $1,633 3.26%
    15 Year 7,973 $1,433,415,000 $179,784 $658 2.87%
    20 Year 3,328 $704,820,000 $211,785 $789 3.07%
    Other 1,433 $363,965,000 $253,988 $713 3.15%
    10 Year 1,376 $144,710,000 $105,167 $547 3.74%
    5 Year 106 $560,000 $5,283 $4 2.02%
    30+ year 1 $535,000 $535,000 $6,653 3.25%

    For 2020, Union Savings Bank's most frequently cited loan duration was 30 Year, with 14,645 originations. The 2nd most popular length was 15 Year, with 7,973 originations.

    Origination Fees/Closing Costs

    Origination Fee/Closing Cost Originations Total Value Average Loan
    $<1k 21,180 $4,230,490,000 $199,740
    $1k-2k 3,798 $892,170,000 $234,905
    $2k-3k 1,320 $330,050,000 $250,038
    $3k-4k 516 $150,170,000 $291,027
    $4k-5k 241 $77,425,000 $321,266
    $5k+ 234 $123,650,000 $528,419

    Union Savings Bank's average total fees were $1,633, while their most frequently occuring range of origination fees (closing costs) were in the $<1k bucket, with 21,180 originations.

    Interest Rates

    Loan Rate Originations Total Value Average Loan
    2.5-3% 14,065 $2,865,315,000 $203,720
    3-4% 12,715 $2,804,735,000 $220,585
    <2.5% 1,119 $247,265,000 $220,970
    4-5% 819 $118,425,000 $144,597
    5-6% 141 $11,625,000 $82,447
    6-7% 3 $205,000 $68,333

    During 2020, Union Savings Bank's average interest rate for loans was 3.26%, while their most frequently originated rate bucket for loans was 2.5-3%, with 14,065 originations.

    Loan Sizing

    Loan Size Originations Total Value Average Loan Average Fees Average Rate
    $100k-200k 12,028 $1,795,500,000 $149,277 $983 3.13%
    $200k-400k 11,023 $3,002,295,000 $272,366 $1,336 3.11%
    $100,000 or less 4,053 $286,445,000 $70,675 $686 3.28%
    $400k-600k 1,558 $721,450,000 $463,062 $1,907 3.14%
    $600k-1MM 152 $112,340,000 $739,079 $4,522 3.38%
    $1MM+ 48 $129,540,000 $2,698,750 $14,228 3.78%

    2020 saw Union Savings Bank place emphasis on $100k-200k loans with 12,028 originations, totaling $1,795,500,000 in origination value.

    Applicant Income

    Applicant Income Originations Total Value Average Loan Average Fees Average Rate
    $100k-150k 7,842 $1,719,320,000 $219,245 $1,129 3.14%
    $150k-250k 5,533 $1,494,855,000 $270,171 $1,143 3.13%
    $75k-100k 5,305 $958,735,000 $180,723 $1,103 3.16%
    $50k-75k 5,173 $759,105,000 $146,744 $1,178 3.16%
    $50k or less 2,651 $283,965,000 $107,116 $1,253 3.15%
    $250k+ 1,715 $603,405,000 $351,840 $1,403 3.15%

    Union Savings Bank lent most frequently to those with incomes in the $100k-150k range, with 7,842 originations. The second most popular income band? $150k-250k, with 5,533 originations.

    Applicant Debt to Income Ratio

    DTI Ratio Originations Total Value Average Loan Average Fees Average Rate
    20-30% 10,414 $2,175,580,000 $208,909 $1,027 3.15%
    <20% 6,370 $1,215,290,000 $190,783 $746 3.09%
    30-36% 5,273 $1,114,345,000 $211,330 $1,256 3.18%
    36% 748 $163,920,000 $219,144 $1,376 3.18%
    37% 707 $149,375,000 $211,280 $1,350 3.17%
    38% 699 $144,965,000 $207,389 $1,536 3.19%
    39% 669 $138,965,000 $207,720 $1,455 3.20%
    40% 604 $124,630,000 $206,341 $1,602 3.21%
    41% 520 $114,750,000 $220,673 $1,566 3.17%
    42% 486 $106,440,000 $219,012 $1,823 3.22%
    43% 416 $94,980,000 $228,317 $2,109 3.20%
    44% 352 $77,340,000 $219,716 $1,901 3.15%
    45% 239 $48,265,000 $201,946 $1,965 3.17%
    46% 211 $42,425,000 $201,066 $1,936 3.11%
    50-60% 181 $37,385,000 $206,547 $4,869 2.97%
    47% 162 $39,300,000 $242,593 $2,488 3.22%
    48% 104 $22,540,000 $216,731 $2,579 3.12%
    49% 80 $15,720,000 $196,500 $2,271 3.13%
    >60% 16 $2,620,000 $163,750 $902 3.27%

    Union Savings Bank lent most frequently to those with DTI ratios of 20-30%, with 10,414 originations. The next most common DTI ratio? <20%, with 6,370 originations.

    Ethnicity Mix

    Applicant Ethnicity Originations Total Value Average Loan Average Fees Average Rate
    White 24,977 $5,164,085,000 $206,754 $1,171 3.15%
    Not provided 1,667 $417,495,000 $250,447 $1,190 3.12%
    Asian 1,500 $337,510,000 $225,007 $991 3.04%
    Black 618 $95,740,000 $154,919 $1,549 2.99%
    Not applicable 11 $15,395,000 $1,399,545 $15,306 4.03%
    American Indian 42 $7,250,000 $172,619 $1,194 3.14%
    Native Hawaiian or Islander 23 $4,695,000 $204,130 $2,696 3.18%
    Asian Indian 15 $3,845,000 $256,333 $1,041 2.98%
    Other Asian 5 $905,000 $181,000 $288 3.10%
    Chinese 4 $650,000 $162,500 $689 3.19%

    Approval Rates

    Total approvals of all applications
    92.34%

    Union Savings Bank has an average approval rate.

    Pick Rate

    Approvals leading to origination
    89.36%

    Union Savings Bank has an average pick rate.

    Points and Fees

    Points Originations Total Value Average Loan
    NA 28,862 $6,047,570,000 $209,534

    Occupancy Type Mix

    Dwelling Type Originations Total Value Average Loan
    Multifamily:Site-Built 39 $69,995,000 $1,794,744
    Single Family (1-4 Units):Site-Built 28,823 $5,977,575,000 $207,389

    LTV Distribution

    Loan to Value Originations Total Value Average Loan Average Fees Average Rate
    20-40% 2,410 $319,590,000 $132,610 $547 3.16%
    40-60% 6,737 $1,251,955,000 $185,833 $665 3.04%
    60-80% 13,613 $3,199,535,000 $235,035 $1,086 3.15%
    80-100% 5,183 $1,200,865,000 $231,693 $2,260 3.17%
    Over 100% 95 $26,515,000 $279,105 $8,053 2.80%
    Under 20% 823 $49,105,000 $59,666 $261 3.70%

    Bank Details

    Branches

    Bank Name Branch Branch Type Deposits (000's)
    Union Savings Bank 44 S. State St. Westerville, OH 43081 Full Service B&M $73,103
    Union Savings Bank 1320 Brice Road Reynoldsburg, OH 43068 Full Service B&M $124,304
    Union Savings Bank 1330 Morse Road Columbus, OH 43229 Full Service B&M $58,650
    Union Savings Bank 14 S Weston Rd Troy, OH 45373 Full Service B&M $36,131
    Union Savings Bank 4090 Hoover Rd. Grove City, OH 43123 Full Service B&M $69,982
    Union Savings Bank 100 E Market Street Xenia, OH 45385 Full Service B&M $7,596
    Union Savings Bank 1040 E Second St Franklin, OH 45005 Full Service B&M $53,224
    Union Savings Bank 1160 Kemper Meadow Dr Cincinnati, OH 45240 Full Service Retail $3,164
    Union Savings Bank 1225 Main Street Hamilton, OH 45013 Full Service B&M $103,719
    Union Savings Bank 1499 W Dupont Road Fort Wayne, IN 46825 Full Service B&M $71,451
    Union Savings Bank 1614 Washington Road Pittsburgh, PA 15241 Full Service B&M $82,585
    Union Savings Bank 1654 East Main Street Lancaster, OH 43130 Full Service B&M $88,358
    Union Savings Bank 20 Prestige Plaza Drive Miamisburg, OH 45342 Full Service B&M $9,136
    Union Savings Bank 2137 Beechmont Avenue Cincinnati, OH 45230 Full Service B&M $82,902
    Union Savings Bank 2237 South Curry Pike Bloomington, IN 47403 Full Service B&M $54,159
    Union Savings Bank 2655 Central Avenue Columbus, IN 47201 Full Service B&M $35,580
    Union Savings Bank 2691 Madison Rd. Cincinnati, OH 45208 Full Service B&M $67,434
    Union Savings Bank 2794 Colonel Glenn Hwy. Fairborn, OH 45324 Full Service B&M $56,348
    Union Savings Bank 3030 Woodman Drive Kettering, OH 45420 Full Service B&M $96,663
    Union Savings Bank 3250 Northwest Blvd. Upper Arlington, OH 43221 Full Service B&M $62,757
    Union Savings Bank 3550 W. Dublin Granville Columbus, OH 43235 Full Service B&M $90,004
    Union Savings Bank 510 West Loveland Avenue Loveland, OH 45140 Full Service B&M $80,334
    Union Savings Bank 525 West National Road Englewood, OH 45322 Full Service B&M $121,984
    Union Savings Bank 5556 William Flynn Hwy Gibsonia, PA 15044 Full Service B&M $53,896
    Union Savings Bank 5651 Far Hills Avenue Dayton, OH 45429 Full Service B&M $148,933
    Union Savings Bank 5881 E. 82nd St Indianapolis, IN 46250 Full Service B&M $95,153
    Union Savings Bank 6393 Glenway Ave. Western Hills, OH 45211 Full Service B&M $119,825
    Union Savings Bank 6701 Hamilton Ave. Cincinnati, OH 45224 Full Service B&M $63,815
    Union Savings Bank 721 Wessel Dr. Fairfield, OH 45014 Full Service B&M $60,574
    Union Savings Bank 7435 Kenwood Road Cincinnati, OH 45236 Full Service B&M $27,180
    Union Savings Bank 7615 Voice Of America Center Drive West Chester, OH 45069 Full Service B&M $44,143
    Union Savings Bank 8320 Plainfield Road Cincinnati, OH 45236 Full Service B&M $79,731
    Union Savings Bank 843 Eastgate S. Dr Cincinnati, OH 45245 Full Service B&M $59,235
    Union Savings Bank 8534 East Kemper Road Cincinnati, OH 45249 Full Service B&M $586,227
    Union Savings Bank 91 Byrd Way Greenwood, IN 46143 Full Service B&M $19,191

    For 2020, Union Savings Bank had 35 branches.

    Yearly Performance Overview

    Bank Income

    Item Value (in 000's)
    Total interest income $112,486
    Net interest income $77,045
    Total noninterest income $141,922
    Gross Fiduciary activities income $0
    Service charges on deposit accounts $346
    Trading account gains and fees $0
    Additional Noninterest Income $141,576
    Pre-tax net operating income $137,040
    Securities gains (or losses, -) $92
    Income before extraordinary items $137,132
    Discontinued Operations (Extraordinary gains, net) $0
    Net income of bank and minority interests $137,132
    Minority interest net income $0
    Net income $137,132
    Sale, conversion, retirement of capital stock, net $0
    Net operating income $137,040

    Union Savings Bank's gross interest income from loans was $112,486,000.
    Union Savings Bank's net interest income from loans was $77,045,000.
    Union Savings Bank's fee based income from loans was $346,000.
    Union Savings Bank's net income from loans was $137,132,000.

    Bank Expenses

    Item Value (in 000's)
    Total interest expense $35,441
    Provision for credit losses $270
    Total noninterest expense $81,657
    Salaries and employee benefits $50,275
    Premises and equipment expense $18,847
    Additional noninterest expense $12,535
    Applicable income taxes $0
    Net charge-offs $-672
    Cash dividends $108,951

    Union Savings Bank's interest expense for loans was $35,441,000.
    Union Savings Bank's payroll and benefits expense were $50,275,000.
    Union Savings Bank's property, plant and equipment expenses $18,847,000.

    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 $3,037,073
    Deposits held in domestic offices $3,037,073
    Deposits by Individuals, partnerships, and corporations $3,037,073
    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 $1,016,719
    Demand deposits $404,936
    Nontransaction accounts $2,020,354
    Money market deposit accounts (MMDAs) $0
    Other savings deposits (excluding MMDAs) $460,239
    Total time deposits $1,560,114
    Total time and savings deposits $2,632,137
    Noninterest-bearing deposits $446,931
    Interest-bearing deposits $2,590,142
    Retail deposits $2,743,928
    IRAs and Keogh plan accounts $136,875
    Brokered deposits $0
    Deposits held in foreign offices $0

    Assets

    Asset Value (in 000's)
    Total Assets $3,480,903
    Cash & Balances due from depository institutions $825,094
    Interest-bearing balances $809,608
    Total securities $5,614
    Federal funds sold & reverse repurchase $5,620
    Net loans and leases $2,406,859
    Loan and leases loss allowance $29,966
    Trading account assets $0
    Bank premises and fixed assets $52,081
    Other real estate owned $101
    Goodwill and other intangibles $80,600
    All other assets $104,934

    Liabilities

    Liabilities Value (in 000's)
    Total liabilities and capital $3,480,903
    Total Liabilities $3,126,282
    Total deposits $3,037,073
    Interest-bearing deposits $2,590,142
    Deposits held in domestic offices $3,037,073
    % insured (estimated) $82
    Federal funds purchased and repurchase agreements $0
    Trading liabilities $0
    Other borrowed funds $0
    Subordinated debt $0
    All other liabilities $89,209

    Issued Loan Types

    Type Value (in 000's)
    Net loans and leases $2,406,859
    Loan and leases loss allowance $29,966
    Total loans and leases (domestic) $2,436,825
    All real estate loans $2,413,914
    Real estate loans in domestic offices $2,413,914
    Construction and development loans $152,948
    Residential 1-4 family construction $78,713
    Other construction, all land development and other land $74,235
    Loans secured by nonfarm nonresidential properties $150,572
    Nonfarm nonresidential secured by owner-occupied properties $0
    Commercial real estate & other non-farm, non-residential $150,572
    Multifamily residential real estate $150,252
    1-4 family residential loans $1,959,902
    Farmland loans $240
    Loans held in foreign offices $0
    Farm loans $0
    Commercial and industrial loans $10,320
    To non-U.S. addressees $0
    Loans to individuals $12,591
    Credit card loans $0
    Related Plans $25
    Consumer Auto Loans $0
    Other loans to individuals $12,566
    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 $8,006
    Non 1-4 family restructured loans & leases $3,578
    Total loans and leases (foreign) $0

    Union Savings Bank had $2,406,859,000 of loans outstanding in 2020. $2,413,914,000 of loans were in real estate loans. $152,948,000 of loans were in development loans. $150,252,000 of loans were in multifamily mortgage loans. $1,959,902,000 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 213 $48,315 $226,831
    Nonfarm, nonresidential loans - <$100k 34 $1,633 $48,029
    Nonfarm, nonresidential loans - $100-250k 77 $9,351 $121,442
    Nonfarm, nonresidential loans - $250k-1MM 102 $37,331 $365,990
    Commercial & Industrial, US addressed loans - <$1MM 1 $468 $468,000
    Commercial & Industrial, US addressed loans - $250k-1MM 1 $468 $468,000
    Farmland loans - <$1MM 3 $240 $80,000
    Farmland loans - $100-250k 2 $169 $84,500
    Farmland loans - $250k-1MM 1 $71 $71,000