Applications / Mortgage Analytics / Lenders / Ohio / Directions Credit Union
Toledo, OH · Credit union · NCUA · $1.4 billion assets · 865 loans in 2025
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865
loans originated, 2025
1,141
applications, 2025
8
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Directions Credit Union is a Toledo-area credit union ranking sixth in Toledo, and its originations rose 20% in 2025, faster than about three-quarters of similar lenders.
Originations rose 20% to 865, against 8% for the typical similar lender (credit unions making between half and twice as many loans) and 10% for the whole market. The total is still below the 1,074 of 2020, its highest year since 2018.
It ranks 6 of 334 in Toledo, where its share rose 0.2 points to 3.2%, 7 of 225 in Monroe, MI with an unchanged 3.3%, and 11 of 187 in Mansfield, where it edged up to 2.0%. The Huntington National Bank leads Toledo and Mechanics Bank leads Mansfield. It has lent in these markets since before 1990.
Purchases are its largest purpose at 37.1%, ahead of home improvement at 26.2%, other purposes at 21.7% and refinances at 14.9%. All of its loans are conventional, and its typical loan, $95,000, is a little below the $105,000 of similar lenders. Its denial rate on first-lien home-purchase applications for owner-occupied homes, 5.0%, is near the middle of similar lenders.
Low- and moderate-income (LMI) borrowers took 28.5% of its loans, close to similar lenders' 27.8%. Its share in LMI tracts, 9.6%, is lower than their 15.1%, among the lowest tenth, though up from 4.7% five years before; the neighbourhoods of the Ohio and Michigan markets it concentrates on are one possible explanation.
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Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. Directions Credit Union took 1,141 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Purchase 37.1% · Home improvement 26.2% · Other 21.7% · Refinance 14.9%
Conventional 100.0% · of 865 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 | 713 | 82.4% |
| Michigan | 142 | 16.4% |
| Florida | 5 | 0.6% |
| Arizona | 1 | 0.1% |
| Illinois | 1 | 0.1% |
| Indiana | 1 | 0.1% |
| South Carolina | 1 | 0.1% |
| West Virginia | 1 | 0.1% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Toledo | 480 |
| Monroe | 130 |
| Mansfield | 113 |
| Sandusky | 10 |
| Canton-Massillon | 3 |
| Cleveland | 3 |
| Cape Coral-Fort Myers | 2 |
| Columbus | 1 |
| Deltona-Daytona Beach-Ormond Beach | 1 |
| Greenville-Anderson-Greer | 1 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 254900UHFHT3IWKY8K19 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 142898 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 560978 | 1990–2017 |
Established 1 January 1953. Reported under HMDA 1990-2025.
Mergers, name changes, data editions and corrections: Directions Credit Union's data.
Directions Credit Union's data
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Directions 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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