Somerville Bank
Somerville Bank received 112 applications in 2025 and made 85 mortgages, in 20 counties across 4 states. The median rate its borrowers got was Not published on a median loan of $195,000. Of 111 decisions, 10 were denials — 9.0%.
| Legal Entity Identifier | 549300FHRL270LZY2I23 |
|---|---|
| Applications received | 112 |
| Mortgages made | 85 |
| Denied | 10 |
| Approved, not taken up | 16 |
| Withdrawn or incomplete | 1 |
| Loans bought from other lenders | 0 |
| Median rate spread over the prime offer rate | Not published |
| FDIC-insured bank | Yes: Somerville Bank, 8 offices |
By loan purpose
| Purpose | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| Home purchase | 55 | Not published | $195,000 | 5.6% |
| Refinancing | 10 | Not published | $300,000 | 0.0% |
| Cash-out refinancing | 16 | Not published | $155,000 | 25.0% |
| Other purposes | 4 | Under 10 loans | Under 10 loans | 0.0% |
Where Somerville Bank lends most
The 20 counties where it made the most mortgages in 2025. Each county page ranks every lender there.
| County | Mortgages made | Median rate | Denied |
|---|---|---|---|
| Butler County, OH | 34 | Not published | 4.8% |
| Preble County, OH | 20 | Not published | 13.3% |
| Wayne County, IN | 5 | Under 10 loans | 14.3% |
| Union County, IN | 4 | Under 10 loans | 20.0% |
| Hamilton County, OH | 4 | Under 10 loans | 0.0% |
| Montgomery County, OH | 4 | Under 10 loans | 0.0% |
| Franklin County, IN | 3 | Under 10 loans | 0.0% |
| Franklin County, OH | 2 | Under 10 loans | 0.0% |
| Fayette County, IN | 1 | Under 10 loans | 50.0% |
| Jay County, IN | 1 | Under 10 loans | 0.0% |
| Randolph County, IN | 1 | Under 10 loans | 0.0% |
| Owen County, KY | 1 | Under 10 loans | 0.0% |
| Wayne County, MI | 1 | Under 10 loans | 0.0% |
| Clermont County, OH | 1 | Under 10 loans | 0.0% |
| Mercer County, OH | 1 | Under 10 loans | 0.0% |
| Miami County, OH | 1 | Under 10 loans | 0.0% |
| Warren County, OH | 1 | Under 10 loans | 0.0% |
| Oakland County, MI | 0 | Under 10 loans | 0.0% |
| Darke County, OH | 0 | Under 10 loans | 0.0% |
| Greene County, OH | 0 | Under 10 loans | 100.0% |
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When Somerville Bank’s figures are published for the next year, or restated.
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Counts, medians and denial shares are computed from the Home Mortgage Disclosure Act loan-level file for 2025, published by the Consumer Financial Protection Bureau through the FFIEC: every application a covered lender received, as the lender reported it. A median rate is what borrowers got, not what you will be offered — it depends on the loan, the property, your credit and the market on the day, and no figure here is a quote. A median over fewer than 10 loans is not shown: it is a number with no meaning and a real person's rate half-exposed. Those cells say "under 10 loans" and the count is still published. This is information, not advice, and no lender pays to appear.