Applications / Mortgage Analytics / Lenders / Ohio / BMI Federal Credit Union
Dublin, OH · Credit union · NCUA · $724 million assets · 420 loans in 2025
BMI Federal Credit Union's data, $215Buy the data, $2,110Get Jenner, the SAS-compatible software
420
loans originated, 2025
543
applications, 2025
6
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
BMI Federal Credit Union, of Dublin, Ohio, lends mostly for home improvement and other purposes, and its loans rose 20% in 2025.
Home improvement made up 40.0% of its loans and other purposes 25.2%. Home purchases were 21.2%. All were conventional. Its typical loan, $115,000, was close to the $105,000 at similar lenders (credit unions making between half and twice as many loans).
Its loans rose 20% to 420, faster than at about seven in ten peers, which grew 6%. Lending in dollars rose to $74.4 million from $44.3 million. The rise followed a long fall, from 942 loans in 2020 to 349 in 2024.
Its typical rate was 7.50%, against 6.99% at peers, higher than at about seven in ten of them. Its weight in home-improvement and other-purpose loans may explain that. Only 0.5% of its loans were higher-priced (a rate well above the average for similar loans), against 1.9% at peers.
In Columbus, where it has lent since at least 1990, it ranks 56 of 596 lenders. Its share rose 0.1 points to 0.4%. The Huntington National Bank leads.
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Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. BMI Federal Credit Union took 543 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Home improvement 40.0% · Other 25.2% · Purchase 21.2% · Refinance 13.6%
Conventional 100.0% · of 420 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 | 412 | 98.1% |
| Kentucky | 3 | 0.7% |
| Washington | 2 | 0.5% |
| New York | 1 | 0.2% |
| South Carolina | 1 | 0.2% |
| Virginia | 1 | 0.2% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Columbus | 375 |
| Dayton-Kettering-Beavercreek | 5 |
| Cincinnati | 3 |
| Cleveland | 3 |
| Mansfield | 3 |
| Springfield | 2 |
| Toledo | 2 |
| Bremerton-Silverdale-Port Orchard | 1 |
| Charlotte-Concord-Gastonia | 1 |
| Huntington-Ashland | 1 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 549300LGE7I6F2K89769 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 833178 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 51199 | 1990–2017 |
Established 1 January 1936. Reported under HMDA 1990-2025.
Mergers, name changes, data editions and corrections: BMI Federal Credit Union's data.
BMI Federal Credit Union's data
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BMI 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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