Applications / Mortgage Analytics / Lenders / Ohio / AurGroup Financial Credit Union
Fairfield, OH · Credit union · NCUA · $201 million assets · 138 loans in 2025
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138
loans originated, 2025
170
applications, 2025
4
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
AurGroup Financial Credit Union is less a mortgage lender than a lender for home repairs and other needs, and in 2025 it made 17% fewer loans while similar credit unions grew.
Other purposes made up 49.3% of its loans and home improvement 29.7%. Purchases were only 15.9%. Such loans are small: its typical loan was $55,000, about half the $105,000 at similar lenders (credit unions making between half and twice as many loans). Only a handful of them made smaller loans.
It made 138 loans, down 17%. Similar lenders grew 9% and the whole market 10%. That is its lowest count since 2018; in the years between, it made from 152 to 223 a year. Because so little of its lending goes to home purchases, its volume may follow members' needs for repairs and other borrowing more than the housing market.
Low- and moderate-income (LMI) neighborhoods took 26.1% of its loans, against 17.2% at similar lenders. That is higher than more than four in five of them. LMI borrowers took 34.8%, against 28.9%, higher than about two-thirds of its peers.
Cincinnati has been its largest market since 1992. It ranked 163 of 621 lenders there, with a steady 0.1% share; United Wholesale Mortgage and Union Savings Bank lead. In 2025 it made its first loans in Punta Gorda.
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Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. AurGroup Financial Credit Union took 170 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Other 49.3% · Home improvement 29.7% · Purchase 15.9% · Refinance 5.1%
Conventional 98.6% · USDA (RHS or FSA) 1.4% · of 138 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 | 132 | 95.7% |
| Indiana | 3 | 2.2% |
| Kentucky | 2 | 1.4% |
| Florida | 1 | 0.7% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Cincinnati | 132 |
| Dayton-Kettering-Beavercreek | 1 |
| Punta Gorda | 1 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 549300KCWMM5PJHWO653 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 981798 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 596761 | 2002–2017 |
Established 25 June 1935. Reported under HMDA 2002-2025.
Mergers, name changes, data editions and corrections: AurGroup Financial Credit Union's data.
AurGroup Financial Credit Union's data
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AurGroup Financial 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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