Applications / Mortgage Analytics / Lenders / Ohio / Century Federal Credit Union
Independence, OH · Credit union · NCUA · $469 million assets · 339 loans in 2025
Century Federal Credit Union's data, $215Buy the data, $2,110Get Jenner, the SAS-compatible software
339
loans originated, 2025
627
applications, 2025
18
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Century Federal Credit Union, an Ohio credit union, rarely lends to home buyers, and its loans rose 26% in 2025, faster than at most similar credit unions.
Purchases made up only 15.0% of its loans. Refinances took 33.6%, home improvement 26.3% and other purposes 25.1%. Every loan was conventional. Its typical loan rose to $145,000 from $85,000, against $105,000 at similar lenders (credit unions making between half and twice as many loans).
Its originations rose 26%, against 7% at peers and 10% for the market. It made 592 loans in 2021 but only 226 in 2023, so 2025 recovered part of the fall. Its typical rate was 2.80% in 2020 and 6.75% in 2025, so fewer refinancings as rates rose may explain the slump. Its loan dollars about doubled, to $69.2 million from $33.6 million.
Borrowers with low and moderate incomes (LMI) took 9.3% of its loans, down from 18.9% in 2024, against 27.5% at peers, among the lowest tenth. Its larger loans and new lending outside Ohio are possible reasons. Majority-minority areas took 14.5%, near the middle of peers.
In Cleveland it ranked 53 of 577 lenders with 0.4%, up 0.1 points. In 2025 it first lent in Richmond, Raleigh-Cary and other metros, each with a very small share. Its denial rate on refinance applications for owner-occupied homes, 15.2%, was lower than peers' 20.9%.
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Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. Century Federal Credit Union took 627 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Refinance 33.6% · Home improvement 26.3% · Other 25.1% · Purchase 15.0%
Conventional 100.0% · of 339 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 | 298 | 87.9% |
| Virginia | 15 | 4.4% |
| Florida | 4 | 1.2% |
| California | 3 | 0.9% |
| North Carolina | 3 | 0.9% |
| Missouri | 2 | 0.6% |
| Washington | 2 | 0.6% |
| Colorado | 1 | 0.3% |
| Illinois | 1 | 0.3% |
| Indiana | 1 | 0.3% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Cleveland | 259 |
| Akron | 21 |
| Richmond | 12 |
| Canton-Massillon | 4 |
| Arlington-Alexandria-Reston | 3 |
| Columbus | 3 |
| Raleigh-Cary | 3 |
| Sandusky | 3 |
| Cincinnati | 2 |
| Portland-Vancouver-Hillsboro | 2 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 549300YS7PW1Y7DQZG40 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 640376 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 55852 | 1990–2017 |
Established 1 January 1948. Reported under HMDA 1990-2025.
Mergers, name changes, data editions and corrections: Century Federal Credit Union's data.
Century Federal Credit Union's data
$215
Century 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.
Buy Century Federal Credit Union's data, $215Jenner Mortgage Analytics: all the data
$2,110
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.
Buy the data, $2,110Jenner, the SAS-compatible software
See prices
Jenner runs programs written in the SAS language. It drew every chart on these pages and fitted the fair-lending model, PROC GLIMMIX on 3.5 million applications. Run the programs that come with the data, or your own.
Get JennerQuestions, or the data and Jenner together: [email protected]