Applications / Mortgage Analytics / Lenders / Ohio / General Electric Credit Union
Cincinnati, OH · Credit union · NCUA · $4.2 billion assets · 1,006 loans in 2025
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1,006
loans originated, 2025
1,511
applications, 2025
7
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
General Electric Credit Union is a Cincinnati credit union whose loans are mostly for purposes other than purchase or refinance, and whose originations fell 17% in 2025 while similar credit unions grew.
Other purposes made up 68.2% of its loans, home purchase 16.2% and refinance 15.6%. Its typical loan was $95,000, against $105,000 at similar lenders (credit unions making between half and twice as many loans). Five years before its typical loan was $195,000 and jumbo loans (larger than the conforming limit) were 23.6% of its lending; they are now 2.2%.
Originations fell 17% to 1,006 from 1,211, while peers typically grew 9%; its change was among the lowest tenth of them. In Cincinnati, where it has lent since before 1990, it ranked 23 of 621 and its share fell 0.5 points to 0.9% from 1.4%. Competitors growing faster there, or a smaller year in its own lending, are possible reasons.
Its typical rate was 5.99%, against 7.00% at peers, lower than about nine in ten of them. Higher-priced loans (a rate well above the average for similar loans) were 0.1%, against 1.7%. Its purchase denial rate, 5.5%, was close to peers' 6.1%.
Low- and moderate-income (LMI) borrowers took 25.6% of its loans, against 14.6% five years before and 27.8% at peers. LMI areas took 12.0%, against 15.1% at peers, and majority-minority areas 8.0%, against 10.5%; the make-up of its Ohio markets is one possible reason.
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Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. General Electric Credit Union took 1,511 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Other 68.2% · Purchase 16.2% · Refinance 15.6%
Conventional 100.0% · of 1,006 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 | 798 | 79.3% |
| Kentucky | 172 | 17.1% |
| Indiana | 28 | 2.8% |
| Florida | 4 | 0.4% |
| South Carolina | 2 | 0.2% |
| North Carolina | 1 | 0.1% |
| Tennessee | 1 | 0.1% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Cincinnati | 941 |
| Dayton-Kettering-Beavercreek | 12 |
| Columbus | 8 |
| Springfield | 4 |
| Indianapolis-Carmel-Greenwood | 3 |
| Crestview-Fort Walton Beach-Destin | 2 |
| Lexington-Fayette | 2 |
| Charlotte-Concord-Gastonia | 1 |
| Cleveland | 1 |
| Hilton Head Island-Bluffton-Port Royal | 1 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 549300MH5OXXJKWZZY83 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 23287 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 59588 | 1990–2008 |
| Respondent ID (the HMDA filer code before 2018) | 568574 | 2009–2017 |
Established 1 January 1954. Reported under HMDA 1990-2025.
Mergers, name changes, data editions and corrections: General Electric Credit Union's data.
General Electric Credit Union's data
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General Electric 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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