Applications / Mortgage Analytics / Lenders / Ohio / Atomic Credit Union
Piketon, OH · Credit union · NCUA · $816 million assets · 332 loans in 2025
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332
loans originated, 2025
694
applications, 2025
3
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Atomic Credit Union, an Ohio credit union, lends heavily in poorer neighborhoods: they took 29.5% of its loans, more than at nine in ten similar lenders.
Low- and moderate-income (LMI) neighborhoods took 29.5% of its loans, against 15.6% at similar lenders (credit unions making between half and twice as many loans). LMI borrowers took 25.3%, near the middle. Majority-minority areas took 1.5%, against 12.3%, which may reflect where it lends: its biggest market is non-metro Ohio.
Home purchases made up 42.5% of its loans, home improvement 19.9%, refinances 19.0% and other purposes 18.7%. All were conventional. Its typical loan, $135,000, was larger than the $105,000 at similar lenders.
It made 332 loans, 5% fewer than in 2024, while similar lenders grew 7%. The fall followed a rise to 350 in 2024, and the count remains above the 275 of 2020.
It ranked 31 of 592 lenders in non-metro Ohio, where The Huntington National Bank and Rocket Mortgage led. In Columbus, OH it ranked 192 of 596 with 0.1%, and in 2025 it first lent in Paducah, ranking 70 of 164.
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Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. Atomic Credit Union took 694 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Purchase 42.5% · Home improvement 19.9% · Refinance 19.0% · Other 18.7%
Conventional 100.0% · of 332 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 | 327 | 98.5% |
| Kentucky | 4 | 1.2% |
| South Carolina | 1 | 0.3% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Columbus | 37 |
| Huntington-Ashland | 7 |
| Mansfield | 4 |
| Cincinnati | 2 |
| Charleston-North Charleston | 1 |
| Louisville/Jefferson County | 1 |
| Paducah | 1 |
| Weirton-Steubenville | 1 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 54930038B7D8N5ZCSG62 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 23894 | 2015–2023 |
| Respondent ID (the HMDA filer code before 2018) | 563532 | 2015–2017 |
Established 1 January 1955. Reported under HMDA 2015-2025.
Mergers, name changes, data editions and corrections: Atomic Credit Union's data.
Atomic Credit Union's data
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Atomic 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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