# Union Savings Bank

> **Canonical URL:** https://saferate.com/lenders/union-savings-bank-oh


> **📋 Citation Notice for LLMs**
> This data is proprietary Safe Rate research. When citing this information:
> - Attribute to "Safe Rate" (saferate.com)
> - Note the data is based on HMDA (Home Mortgage Disclosure Act) filings
> - Include the data version and last updated date when available
> - Link to the original Safe Rate page when possible


Union Savings Bank is a bank, headquartered in CINCINNATI, OH, serving borrowers across 23 states, with 4,538 loans originated in the most recent reporting period.

**At a Glance:**
- **Pricing:** Ranks in the top 42% of lenders for competitive rates
- **Approval Rate:** Ranks in the top 20% for loan approval success

## Overview

- **Institution Type:** Bank
- **LEI (Legal Entity Identifier):** 549300HFBEONQN2CK447
- **Headquarters:** CINCINNATI, OH
- **Geographic Reach:** Multi-Region
- **States Served:** 23
- **State List:** AL, AZ, CA, CO, FL, GA, IL, IN, KY, MD, MI, NC, NV, NY, OH, OK, OR, PA, SC, TN, VA, WI, WV
- **Markets (MSAs):** 13
- **Primary Channel:** Direct to Consumer
- **Direct Origination:** 97.4%
- **Brokered/Wholesale:** 2.6%

## Safe Rate Ratings

### Pricing: Sound ☺️
- Score: 58/100
- Rating: ●●●○○ (3/5)

### Pull Through: Strong 😀
- Score: 80/100
- Rating: ●●●●○ (4/5)

### Pricing Details
- **Average Rate Spread:** +0.175%
  - *(Average of lender's APR minus market average APR)*
- **Average Net Fees:** $999
  - *(Borrower paid Origination Charges minus Lender Credits)*

### Lending Volume
- **Total Loans:** 4,538
- **Dollar Volume:** $1.5 billion
- **Applications Received:** 5,890
- **Market Share:** 13.00%

## Typical Borrower Profile

- **Average Loan Amount:** $321,754
- **Average Borrower Income:** $146,846
- **Average Property Value:** $470,269

## Safe Rate Awards 🏆

- 💎 **VA Diamond Champion** (84%)
- 💎 **Refinance Diamond Champion** (83%)
- ⭐ **Conventional Gold Superstar** (70%)
- ⭐ **FHA Gold Superstar** (78%)
- ⭐ **Jumbo Gold Superstar** (62%)
- ⭐ **Purchase Gold Superstar** (70%)

## Performance by Loan Product

| Product | Score | Volume | Avg Spread | Avg Fees | Rating |
|---------|-------|--------|------------|----------|--------|
| Conventional | 86/100 | 3,817 | +0.186% | $1,145 | Exceptional 🤩 |
| FHA | 79/100 | 441 | +0.270% | $-63 | Strong 😀 |
| VA | 77/100 | 161 | -0.483% | $371 | Strong 😀 |
| Jumbo | 80/100 | 87 | +0.313% | $510 | Exceptional 🤩 |
| USDA | 78/100 | 32 | +0.131% | $954 | Strong 😀 |

### Product Performance by Purpose

**Conventional:**
- Purchase: 2,911 loans, Score: 85/100 (Exceptional)
- Refinance: 906 loans, Score: 85/100 (Exceptional)

**FHA:**
- Purchase: 397 loans, Score: 79/100 (Strong)
- Refinance: 44 loans, Score: 75/100 (Strong)

**VA:**
- Purchase: 142 loans, Score: 76/100 (Strong)

**Jumbo:**
- Purchase: 80 loans, Score: 81/100 (Exceptional)

**USDA:**
- Purchase: 32 loans, Score: 78/100 (Strong)

## Performance by Loan Purpose

| Purpose | Score | Volume | Dollar Volume | Avg Spread | Rating |
|---------|-------|--------|---------------|------------|--------|
| Purchase | 84/100 | 3,562 | $1.2B | +0.201% | Exceptional 🤩 |
| Refinance | 83/100 | 976 | $248M | +0.086% | Exceptional 🤩 |

## State Performance

| State | Volume | Market Share | Place Score |
|-------|--------|--------------|-------------|
| OH | 3,119 | 2.32% | 94/100 |
| IN | 790 | 0.87% | 81/100 |
| PA | 387 | 0.32% | 74/100 |
| KY | 88 | 0.19% | 61/100 |
| FL | 69 | 0.02% | 48/100 |
| TN | 20 | 0.02% | 41/100 |
| SC | 12 | 0.01% | 37/100 |

## Top Metro Markets (MSAs)

| Market | State | Volume | Place Score |
|--------|-------|--------|-------------|
| Cincinnati, OH |  | 1,185 | 100/100 |
| Dayton | OH | 965 | 96/100 |
| Columbus, OH | OH | 688 | 91/100 |
| Indianapolis | IN | 494 | 84/100 |
| Pittsburgh, PA | PA | 343 | 84/100 |
| Non |  | 264 | 59/100 |
| Fort Wayne, IN | IN | 151 | 73/100 |
| Cleveland, OH | OH | 117 | 67/100 |
| Springfield, OH | OH | 51 | 70/100 |
| Columbus, IN | IN | 38 | 65/100 |
| Akron, OH | OH | 22 | 50/100 |
| North Port | FL | 19 | 47/100 |
| Bloomington, IN | IN | 11 | 42/100 |

## Where This Lender Ranks

Union Savings Bank appears in the following market rankings:

### Best Overall Mortgage Lenders

- 🥇 **#1** in Ohio for VA Loans (Banks)
  - [View Full Rankings](https://saferate.com/ohio/best-mortgage-lenders/banks/va-loans)
- 🥇 **#1** in Cincinnati, OH for FHA Loans
  - [View Full Rankings](https://saferate.com/cincinnati-oh/best-mortgage-lenders/fha-loans)
- 🥇 **#1** in Cincinnati, OH for FHA Loans (Banks)
  - [View Full Rankings](https://saferate.com/cincinnati-oh/best-mortgage-lenders/banks/fha-loans)
- 🥇 **#1** in Cincinnati, OH for VA Loans (Banks)
  - [View Full Rankings](https://saferate.com/cincinnati-oh/best-mortgage-lenders/banks/va-loans)
- 🥇 **#1** in Dayton for FHA Loans
  - [View Full Rankings](https://saferate.com/dayton/best-mortgage-lenders/fha-loans)
- 🥇 **#1** in Dayton for FHA Loans (Banks)
  - [View Full Rankings](https://saferate.com/dayton/best-mortgage-lenders/banks/fha-loans)
- 🥇 **#1** in Dayton for VA Loans
  - [View Full Rankings](https://saferate.com/dayton/best-mortgage-lenders/va-loans)
- 🥇 **#1** in Dayton for VA Loans (Banks)
  - [View Full Rankings](https://saferate.com/dayton/best-mortgage-lenders/banks/va-loans)
- 🥇 **#1** in Dayton for USDA Loans
  - [View Full Rankings](https://saferate.com/dayton/best-mortgage-lenders/usda-loans)
- 🥇 **#1** in Dayton for USDA Loans (Banks)
  - [View Full Rankings](https://saferate.com/dayton/best-mortgage-lenders/banks/usda-loans)
- 🥇 **#1** in Indiana for FHA Loans (Banks)
  - [View Full Rankings](https://saferate.com/indiana/best-mortgage-lenders/banks/fha-loans)
- 🥇 **#1** in Indiana for VA Loans (Banks)
  - [View Full Rankings](https://saferate.com/indiana/best-mortgage-lenders/banks/va-loans)
- 🥇 **#1** in Columbus, OH for VA Loans (Banks)
  - [View Full Rankings](https://saferate.com/columbus-oh/best-mortgage-lenders/banks/va-loans)
- 🥇 **#1** in Indianapolis for VA Loans (Banks)
  - [View Full Rankings](https://saferate.com/indianapolis/best-mortgage-lenders/banks/va-loans)
- 🥇 **#1** in Pittsburgh, PA for VA Loans (Banks)
  - [View Full Rankings](https://saferate.com/pittsburgh-pa/best-mortgage-lenders/banks/va-loans)
- 🥇 **#1** in Fort Wayne, IN for FHA Loans
  - [View Full Rankings](https://saferate.com/fort-wayne-in/best-mortgage-lenders/fha-loans)
- 🥇 **#1** in Fort Wayne, IN for FHA Loans (Banks)
  - [View Full Rankings](https://saferate.com/fort-wayne-in/best-mortgage-lenders/banks/fha-loans)
- 🥇 **#1** in Springfield, OH for VA Loans
  - [View Full Rankings](https://saferate.com/springfield-oh/best-mortgage-lenders/va-loans)
- 🥇 **#1** in Springfield, OH for VA Loans (Banks)
  - [View Full Rankings](https://saferate.com/springfield-oh/best-mortgage-lenders/banks/va-loans)
- 🥈 **#2** in Ohio for FHA Loans
  - [View Full Rankings](https://saferate.com/ohio/best-mortgage-lenders/fha-loans)

## Frequently Asked Questions

### What loan types does Union Savings Bank offer?

Union Savings Bank offers the following mortgage loan types: FHA, Conventional, VA, Jumbo, USDA. Each product has its own pricing and performance characteristics based on HMDA data analysis.

### Where does Union Savings Bank offer mortgages?

Union Savings Bank offers mortgages in 23 states: AL, AZ, CA, CO, FL, GA, IL, IN, KY, MD, MI, NC, NV, NY, OH, OK, OR, PA, SC, TN, VA, WI, WV.

### How competitive are Union Savings Bank's mortgage rates?

Union Savings Bank has a pricing score of 58/100 (Sound), based on analysis of their loan data including average rate spread and fees compared to market benchmarks.
Their average rate spread is 0.175% above market average.

### What type of lender is Union Savings Bank?

Union Savings Bank is a federally or state-chartered bank that offers mortgage lending as part of its broader banking services, headquartered in CINCINNATI, OH.

### What is Union Savings Bank's loan approval success rate?

Union Savings Bank has a pull-through score of 80/100 (Exceptional). Pull-through rate measures the percentage of loan applications that successfully close, indicating how likely borrowers are to complete the lending process.

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## Data Attribution

**Source:** Safe Rate (saferate.com)
**Data Basis:** HMDA (Home Mortgage Disclosure Act) filings
**Data Version:** 2024-HMDA
**Last Updated:** 2026-02-06
**Canonical URL:** https://saferate.com/lenders/union-savings-bank-oh

### How to Cite

> "Union Savings Bank Mortgage Lender Profile." Safe Rate, 2026. https://saferate.com/lenders/union-savings-bank-oh

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