Union Savings Bank
Union Savings Bank received 138 applications in 2025 and made 112 mortgages, in 15 counties across 4 states. The median rate its borrowers got was Not published on a median loan of $165,000. Of 118 decisions, 6 were denials — 5.1%. 25 of its applications carried no county and are counted here but on no county page.
| Legal Entity Identifier | 549300OEWY869SOVHF18 |
|---|---|
| Applications received | 138 |
| Mortgages made | 112 |
| Denied | 6 |
| Approved, not taken up | 0 |
| Withdrawn or incomplete | 20 |
| Loans bought from other lenders | 3 |
| Median rate spread over the prime offer rate | Not published |
| FDIC-insured bank | Yes: Union Savings Bank, 26 offices |
By loan purpose
| Purpose | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| Home purchase | 75 | Not published | $165,000 | 1.3% |
| Refinancing | 18 | Not published | $175,000 | 10.0% |
| Cash-out refinancing | 19 | Not published | $185,000 | 13.6% |
Where Union Savings Bank lends most
The 15 counties where it made the most mortgages in 2025. Each county page ranks every lender there.
| County | Mortgages made | Median rate | Denied |
|---|---|---|---|
| Winnebago County, IL | 43 | Not published | 2.3% |
| Ogle County, IL | 26 | Not published | 3.7% |
| Stephenson County, IL | 24 | Not published | 14.3% |
| Boone County, IL | 6 | Under 10 loans | 0.0% |
| Lee County, IL | 3 | Under 10 loans | 0.0% |
| Sharp County, AR | 2 | Under 10 loans | 0.0% |
| McLean County, IL | 2 | Under 10 loans | 0.0% |
| Whiteside County, IL | 2 | Under 10 loans | 0.0% |
| Henry County, IL | 1 | Under 10 loans | 0.0% |
| Steuben County, IN | 1 | Under 10 loans | 0.0% |
| Door County, WI | 1 | Under 10 loans | 0.0% |
| Rock County, WI | 1 | Under 10 loans | 0.0% |
| McHenry County, IL | 0 | Under 10 loans | Not published |
| Green County, WI | 0 | Under 10 loans | Not published |
| Sauk County, WI | 0 | Under 10 loans | Not published |
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When Union Savings 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.