Applications / Mortgage Analytics / Lenders / Ohio / Telhio Credit Union
Columbus, OH · Credit union · NCUA · $1.4 billion assets · 719 loans in 2025
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719
loans originated, 2025
1,297
applications, 2025
5
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Telhio Credit Union is a Columbus credit union with an even spread of purchase, refinance, home-improvement and other lending, and LMI (low- and moderate-income) areas take more of its loans than at most similar lenders.
It ranked 45 of 596 lenders in Columbus, where it has lent since before 1990, with an unchanged 0.5% share; The Huntington National Bank leads. In Cincinnati its share slipped 0.1 points to 0.1%; its originations rose 3% while the whole market grew 10%, one possible reason.
LMI areas took 20.8% of its loans, against 15.0% at similar lenders (credit unions making between half and twice as many loans), up from 11.2% five years before. Majority-minority areas took 15.9%, against 10.4%, up from 5.9%; LMI borrowers took 30.9%, against 27.3%. Its 2021 merger with Columbus Metro Federal Credit Union is one possible reason for the rise.
Other purposes were 28.5% of its loans, refinances 27.3%, home improvement 22.5% and purchases 21.7%. Its typical loan, $105,000, matched peers', down from $175,000 five years before. Its denial rate on home-purchase applications was 2.3%, against 6.3%, lower than more than four in five peers.
It made 719 loans, up 3% from 699, against 7% at peers; it made 1,403 in 2020.
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Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. Telhio Credit Union took 1,297 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Other 28.5% · Refinance 27.3% · Home improvement 22.5% · Purchase 21.7%
Conventional 100.0% · of 719 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 | 712 | 99.0% |
| Florida | 4 | 0.6% |
| Indiana | 1 | 0.1% |
| Kentucky | 1 | 0.1% |
| Tennessee | 1 | 0.1% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Columbus | 510 |
| Cincinnati | 147 |
| Cleveland | 9 |
| Akron | 2 |
| Canton-Massillon | 2 |
| Dayton-Kettering-Beavercreek | 2 |
| Mansfield | 2 |
| Weirton-Steubenville | 2 |
| Youngstown-Warren | 2 |
| Jacksonville | 1 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 549300ZJK68X6PQU2308 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 1008692 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 562848 | 1990–2017 |
Established 1 January 1935. Reported under HMDA 1990-2025.
Mergers, name changes, data editions and corrections: Telhio Credit Union's data.
Telhio Credit Union's data
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Telhio 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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