Applications / Mortgage Analytics / Lenders / Ohio / Wright Patt Credit Union
Beavercreek, OH · Credit union · NCUA · $9.6 billion assets · 5,317 loans in 2025
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5,317
loans originated, 2025
9,726
applications, 2025
19
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Wright Patt Credit Union is the leading lender in Dayton-Kettering-Beavercreek and Springfield, Ohio, though its share slipped in both and its originations were about level in 2025, down 1%.
It ranked 1 of 443 lenders in Dayton-Kettering-Beavercreek with 8.7% of the market, down from 9.5%, ahead of Union Savings Bank, and 1 of 216 in Springfield with 9.9%, down from 11.2%. In Columbus its share rose from 1.0% to 1.1%. Competition from lenders such as Rocket Mortgage and The Huntington National Bank could explain the slips.
Similar lenders are credit unions making between half and twice as many loans. Purchases were 39.3% of loans and home improvement 27.3%. FHA loans (insured by the Federal Housing Administration) were 1.5% and VA loans (guaranteed by the Department of Veterans Affairs) 1.4%, where the typical similar lender made none; its VA share was higher than more than nine in ten of them.
LMI (low- and moderate-income) borrowers took 28.2% of its loans against 27.2%, and LMI areas 16.5% against 14.8%, both up from five years before. Majority-minority areas took 6.5% against 9.1%, which may reflect the makeup of its Ohio markets.
Its typical rate was 7.25% against 6.88%, higher than about two-thirds of similar lenders. Its home-improvement lending and smaller typical loan, $105,000 against $125,000, are possible reasons.
Questions the data can answer next
Similar lenders: same lender type, originations between half and twice the lender's in the data year. Written from the 2025 HMDA data and checked figure by figure against it.
FIG. 1 — LOANS ORIGINATED, 2018–2025
Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. Wright Patt Credit Union took 9,726 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Purchase 39.3% · Home improvement 27.3% · Refinance 22.9% · Other 10.5%
Conventional 97.1% · FHA 1.5% · VA 1.4% · USDA (RHS or FSA) 0.1% · of 5,317 loans. Purchase: buying a home. Refinance: replacing an existing mortgage, including cash-out. FHA: insured by the Federal Housing Administration. VA: guaranteed by the Department of Veterans Affairs. Conventional: neither.
SOURCE: FFIEC HMDA 2025, LOANS ORIGINATED
Where it lends, 2025
| State | Loans | Share |
|---|---|---|
| Ohio | 5,207 | 97.9% |
| Kentucky | 35 | 0.7% |
| Indiana | 21 | 0.4% |
| Tennessee | 17 | 0.3% |
| Florida | 9 | 0.2% |
| Michigan | 7 | 0.1% |
| Georgia | 4 | 0.1% |
| Texas | 4 | 0.1% |
| Illinois | 2 | 0.0% |
| South Carolina | 2 | 0.0% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Dayton-Kettering-Beavercreek | 2,809 |
| Columbus | 847 |
| Cincinnati | 643 |
| Springfield | 412 |
| Cleveland | 19 |
| Knoxville | 6 |
| Indianapolis-Carmel-Greenwood | 5 |
| Toledo | 5 |
| Youngstown-Warren | 5 |
| Akron | 4 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 549300N1YEXP02MHBR47 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 368492 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 566328 | 1990–2017 |
Established 1 January 1932. Reported under HMDA 1990-2025.
Mergers, name changes, data editions and corrections: Wright Patt Credit Union's data.
Wright Patt Credit Union's data
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