Applications / Mortgage Analytics / Lenders / Ohio / Superior Credit Union
Lima, OH · Credit union · NCUA · $1.9 billion assets · 2,256 loans in 2025
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2,256
loans originated, 2025
3,861
applications, 2025
13
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Superior Credit Union leads the Lima mortgage market with 22.6% of its dollars, and grew 30% in 2025, faster than nearly nine in ten similar lenders.
Its originations rose from 1,731 to 2,256, a 30% rise, against 11% at similar lenders (credit unions making between half and twice as many loans) and 10% for the whole market. It added share in Toledo (0.7% to 1.0%) and Cincinnati (0.3% to 0.5%), and first lent in three new metros in 2025, still at small volumes. It remains below its 2020 count of 4,227.
It has lent in Lima since before 1990, and its share rose from 22.1% to 22.6%. The next lender, The Union Bank Company, made $18.8M of loans there.
37.3% of its loans went to LMI (low- and moderate-income) borrowers, against 27.0% at similar lenders, higher than at more than nine in ten of them, and up from 25.2% five years before. Home improvement (24.0%) and other purposes (19.3%) make up much of its lending, and its typical loan of $105,000 is lower than at about four in five similar lenders. Its typical rate, 6.50%, is lower than at about three-quarters of them.
2.7% of its loans were in majority-minority tracts, against 12.4% at similar lenders, among the lowest seventh. A possible reason is where it lends: its largest markets are non-metro Ohio and Lima, which may hold fewer such tracts than its peers' markets.
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Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. Superior Credit Union took 3,861 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Purchase 40.0% · Home improvement 24.0% · Other 19.3% · Refinance 16.6%
Conventional 99.9% · USDA (RHS or FSA) 0.1% · of 2,256 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 | 2,178 | 96.5% |
| Indiana | 30 | 1.3% |
| Kentucky | 24 | 1.1% |
| Florida | 8 | 0.4% |
| Michigan | 6 | 0.3% |
| Tennessee | 2 | 0.1% |
| Texas | 2 | 0.1% |
| Colorado | 1 | 0.0% |
| Delaware | 1 | 0.0% |
| Minnesota | 1 | 0.0% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Lima | 709 |
| Cincinnati | 400 |
| Toledo | 85 |
| Columbus | 28 |
| Dayton-Kettering-Beavercreek | 23 |
| Sandusky | 3 |
| Deltona-Daytona Beach-Ormond Beach | 2 |
| Monroe | 2 |
| Orlando-Kissimmee-Sanford | 2 |
| Sherman-Denison | 2 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 254900ARL5FDX2OOH702 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 958585 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 59845 | 1990–2015 |
| Respondent ID (the HMDA filer code before 2018) | 568665 | 2016–2017 |
Established 1 January 1954. Reported under HMDA 1990-2025.
Mergers, name changes, data editions and corrections: Superior Credit Union's data.
Superior Credit Union's data
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Superior Credit Union and its peers, 2018–2025: every application in the HMDA data, cleaned and corrected, as Parquet files, with the Jenner programs that made these pages.
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Every mortgage application reported under HMDA from 1990 to 2025, cleaned and corrected, every lender followed across name changes and mergers, with the market-share and fair-lending tables behind these pages and the Jenner programs that built them: the warehouse and the datamart, as Parquet files.
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