Applications / Mortgage Analytics / Lenders / Ohio / Cardinal Credit Union
Mentor, OH · Credit union · NCUA · $358 million assets · 127 loans in 2025
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127
loans originated, 2025
376
applications, 2025
1
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Cardinal Credit Union's lending rose 234% in 2025, to 127 loans, after two lean years at 38 each.
The rise was larger than at nearly all similar lenders (credit unions making between half and twice as many loans), which grew 8%. It made 119 loans in 2022 and 330 in 2021, so much of the jump reflects a low starting point. The data do not say why 2023 and 2024 were so quiet.
Home improvement made up 27.6% of its loans, refinances 26.0%, purchases 25.2% and other purposes 21.3%. All were conventional. Its typical loan of $105,000 matched similar lenders'.
Low- and moderate-income (LMI) borrowers received 38.6% of its loans, against 29.2% at similar lenders, more than at about three-quarters of them. Five years earlier the share was 24.3%.
In Cleveland, OH, where it has lent since 1993, it ranked 95 of 577 lenders with 0.1% of the market, unchanged from a year earlier. The Huntington National Bank and CrossCountry Mortgage led.
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Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. Cardinal Credit Union took 376 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Home improvement 27.6% · Refinance 26.0% · Purchase 25.2% · Other 21.3%
Conventional 100.0% · of 127 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 | 127 | 100.0% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Cleveland | 118 |
| Youngstown-Warren | 7 |
| Akron | 1 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 549300BY8DZPEK4ZR022 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 667195 | 2006–2023 |
| Respondent ID (the HMDA filer code before 2018) | 596753 | 2005–2017 |
Established 31 March 1953. Reported under HMDA 2005-2025.
Mergers, name changes, data editions and corrections: Cardinal Credit Union's data.
Cardinal Credit Union's data
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Cardinal 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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