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Union Savings Bank
Bank|CINCINNATI, OH|Multi-Region
Loans Originated
4,538
Applications
5,890
Volume
$1 billion
Offers loans directly to consumersSources loans from independent brokers
Overall Pricing
Sound
Overall Pull Through
Strong
Safe Rate Awards💎VA Champion💎Refinance Champion⭐Conventional Superstar⭐FHA Superstar⭐Purchase Superstar
Pricing and Pullthrough Overview
Average Rate Spread
+0.175%
The average of the lender's APR minus the market's average APR (APOR)
Average Net Fees
$999
Borrower paid Origination Charges - Lender Credits
Pullthrough Rate
77.0%
Percentage of applications that result in closed loans
Safe Rate's Summary
What They Do Well
- Strong pull through performance
- Particularly strong in Conventional and FHA and VA and Jumbo and USDA loans
Report Card
Union Savings Bank performance at a glance
| Category | Rating | Grade | Details |
|---|---|---|---|
Pricing Rate competitiveness | Sound | Industry Standard | |
Pull Through Closing Strength | Strong | Highly Competitive | |
Products Loan Type Specialists | Specialization score by loan product | ||
Conventional | Exceptional | Market Leader | |
FHA | Strong | Highly Competitive | |
VA | Strong | Highly Competitive | |
Jumbo | Exceptional | Market Leader | |
USDA | Strong | Highly Competitive | |
Purpose Reason specialization | Specialization score by loan purpose | ||
Purchase | Exceptional | Market Leader | |
Refinance | Exceptional | Market Leader | |
Places Geographic coverage | Strong | Multi-Regional · 13 metro areas · 23 states |
Rating Scale:
Exceptional (80-100)
Strong (60-79)
Sound (40-59)
Acceptable (20-39)
Mediocre (0-19)
Typical Borrower Profile
Average Loan Amount
$321,754
Average Borrower Income
$146,846
Average Property Value
$470,269
Performance by Loan Product
| Loan Type | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Conventional | Strong | Exceptional | Sound | Strong | 3,817 | 84.1% | +0.186% | $1,145 |
FHA Loans | Strong | Strong | Exceptional | Strong | 441 | 9.7% | +0.270% | -$63 |
VA Loans | Exceptional | Strong | Exceptional | Exceptional | 161 | 3.5% | -0.483% | $371 |
Jumbo Loans | Sound | Exceptional | Acceptable | Strong | 87 | 1.9% | +0.313% | $510 |
USDA Loans | Strong | Strong | N/A | Strong | 32 | 0.7% | +0.131% | $954 |
Performance by Loan Purpose
| Purpose | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Purchase | Strong | Exceptional | Sound | Strong | 3,562 | 78.5% | +0.201% | $1,002 |
Refinance | Exceptional | Exceptional | Strong | Exceptional | 976 | 21.5% | +0.086% | $989 |
Geographic Coverage
Metro Areas
12
States Served
23
We count Washington DC as a state
Avg Place Specialization
Strong
States with Loan Originations
ALAZCACOFLGAILINKYMDMINCNVNYOHOKORPASCTNVAWIWV
Top Metro Areas by Place Specialization Score
1
Cincinnati, OHMSA
Volume: 1,185Mix: 26.11%
Place Specialization
Exceptional
2
Dayton, OHMSA
Volume: 965Mix: 21.26%
Place Specialization
Exceptional
3
Columbus, OH, OHMSA
Volume: 688Mix: 15.16%
Place Specialization
Exceptional
4
Indianapolis, INMSA
Volume: 494Mix: 10.89%
Place Specialization
Exceptional
5
Pittsburgh, PA, PAMSA
Volume: 343Mix: 7.56%
Place Specialization
Exceptional
6
Fort Wayne, IN, INMSA
Volume: 151Mix: 3.33%
Place Specialization
Strong
7
Springfield, OH, OHMSA
Volume: 51Mix: 1.12%
Place Specialization
Strong
8
Cleveland, OH, OHMSA
Volume: 117Mix: 2.58%
Place Specialization
Strong
9
Columbus, IN, INMSA
Volume: 38Mix: 0.84%
Place Specialization
Strong
10
Akron, OH, OHMSA
Volume: 22Mix: 0.48%
Place Specialization
Sound
Showing 10 of 12 metro areas
Top States by Place Specialization Score
1
OHState
Volume: 3,119Mix: 68.73%
Place Specialization
Exceptional
2
INState
Volume: 790Mix: 17.41%
Place Specialization
Exceptional
3
PAState
Volume: 387Mix: 8.53%
Place Specialization
Strong
4
KYState
Volume: 88Mix: 1.94%
Place Specialization
Strong
5
FLState
Volume: 69Mix: 1.52%
Place Specialization
Sound
6
TNState
Volume: 20Mix: 0.44%
Place Specialization
Sound
7
SCState
Volume: 12Mix: 0.26%
Place Specialization
Acceptable
How We Rank Lenders
Our rankings use geometric mean scoring across equally-weighted categories. This rewards lenders who perform consistently well across all metrics, not just excel in one area.
Our Point System (Max 30 Points)
10
Pricing
Rate and fee competitiveness (33%)
10
Pull Through
Reliability in closing loans (33%)
10
Product
Specialization in the loan type (33%)
💎
Champion(80%+ = 24-30 points)
⭐
Superstar(60-79% = 18-23 points)
Data Integrity & Updates
Data is updated quarterly based on the latest HMDA filings and proprietary SafeRate analysis. All metrics are calculated using standardized methodologies to ensure fair comparison across lenders.
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