Applications / Mortgage Analytics / Lenders / Ohio / DAY Air Credit Union
Kettering, OH · Credit union · NCUA · $891 million assets · 702 loans in 2025
DAY Air Credit Union's data, $215Buy the data, $2,110Get Jenner, the SAS-compatible software
702
loans originated, 2025
1,203
applications, 2025
3
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
DAY Air Credit Union is a Dayton credit union, fourteenth among lenders in its home market, whose originations grew 20% in 2025, faster than about three in four similar lenders.
It ranked 14 of 443 lenders in Dayton-Kettering-Beavercreek, with a share of 1.5%, up from 1.3%; Wright-Patt Credit Union and Union Savings Bank lead there. In Springfield its share rose to 0.5% from 0.2%, ranking 35 of 216.
Originations rose 20% to 702, while similar lenders (credit unions making between half and twice as many loans) rose 6% and the whole market 10%. Its dollar total rose from $67.3 million to $104.1 million as its typical loan rose from $75,000 to $105,000, now the same as similar lenders'.
Home purchases were 37.7% of its originations, other purposes 26.8%, home improvement 26.1% and refinances 9.4%. That is a broader mix than a lender focused on home-improvement or other-purpose loans.
LMI (low- and moderate-income) borrowers took 34.1% of its loans, against 27.3% at similar lenders, higher than about four in five. LMI areas took 17.4%, against 15.1%, higher than about two-thirds.
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Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. DAY Air Credit Union took 1,203 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Purchase 37.7% · Other 26.8% · Home improvement 26.1% · Refinance 9.4%
Conventional 99.3% · FHA 0.6% · VA 0.1% · of 702 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 | 700 | 99.7% |
| Kentucky | 1 | 0.1% |
| Tennessee | 1 | 0.1% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Dayton-Kettering-Beavercreek | 535 |
| Cincinnati | 91 |
| Springfield | 21 |
| Columbus | 8 |
| Cleveland | 2 |
| Lima | 2 |
| Canton-Massillon | 1 |
| Clarksville | 1 |
| Mansfield | 1 |
| Youngstown-Warren | 1 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 254900JPFVLN18XNDG98 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 501794 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 566835 | 1990–2017 |
Established 1 January 1944. Reported under HMDA 1990-2025.
Mergers, name changes, data editions and corrections: DAY Air Credit Union's data.
DAY Air Credit Union's data
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DAY Air 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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