Applications / Mortgage Analytics / Lenders / Ohio / SUN Federal Credit Union
Maumee, OH · Credit union · NCUA · $678 million assets · 513 loans in 2025
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513
loans originated, 2025
761
applications, 2025
13
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
SUN Federal Credit Union is a Toledo-area credit union making mostly small home-improvement and other-purpose loans, and its loans rose 19% in 2025, faster than most similar credit unions.
Originations rose 19% to 513, against 6% for similar lenders (credit unions making between half and twice as many loans) and 10% for the whole market, higher than about seven in ten of them. The count remains below the 700 of 2021.
The typical loan was $75,000, against $105,000 at similar lenders, among the lowest tenth. The purpose mix fits this: other purposes made up 34.9% of loans and home improvement 28.5%, with home purchase at 23.0% and refinance at 13.6%. Its dollar volume, $59.7 million, is below similar lenders' $80.5 million despite a typical number of loans.
Low- and moderate-income (LMI) borrowers took 32.4% of its loans, against 27.2% at similar lenders, more than about seven in ten of them, and up from 24.6% five years before. LMI areas took 16.5%, against 15.2%. Its share in majority-minority areas, 9.6%, is near the middle of similar lenders.
In Toledo it ranks 23 of 334 lenders, with 1.4% of the market, up from 1.2%; The Huntington National Bank leads with $284.5M and Fifth Third Bank is second. In Sandusky its share rose to 0.7% from 0.3%.
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Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. SUN Federal Credit Union took 761 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Other 34.9% · Home improvement 28.5% · Purchase 23.0% · Refinance 13.6%
Conventional 100.0% · of 513 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 | 378 | 73.7% |
| Pennsylvania | 83 | 16.2% |
| Michigan | 24 | 4.7% |
| New Jersey | 11 | 2.1% |
| Delaware | 5 | 1.0% |
| Florida | 5 | 1.0% |
| Arizona | 1 | 0.2% |
| Colorado | 1 | 0.2% |
| Georgia | 1 | 0.2% |
| Indiana | 1 | 0.2% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Toledo | 333 |
| Philadelphia | 36 |
| Reading | 27 |
| Sandusky | 27 |
| Montgomery County-Bucks County-Chester County | 16 |
| Monroe | 14 |
| Camden | 9 |
| North Port-Bradenton-Sarasota | 3 |
| Cleveland | 2 |
| Columbus | 2 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 549300VGZHXNY2T0G559 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 265087 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 57064 | 1990–2017 |
Established 1 January 1951. Reported under HMDA 1990-2025.
Mergers, name changes, data editions and corrections: SUN Federal Credit Union's data.
SUN Federal Credit Union's data
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SUN Federal 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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