Applications / Mortgage Analytics / Lenders / Ohio / Cincinnati Ohio Police Federal Credit Union
Cincinnati, OH · Credit union · NCUA · $188 million assets · 129 loans in 2025
Cincinnati Ohio Police Federal Credit Union's data, $215Buy the data, $2,110Get Jenner, the SAS-compatible software
129
loans originated, 2025
129
applications, 2025
3
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Cincinnati Ohio Police Federal Credit Union lends to refinance and repair homes, and almost never to buy them.
Refinances made up 48.1% of its loans and home improvement 31.0%; purchases were just 0.8%. All were conventional. Its typical loan was $65,000, against $105,000 at similar lenders (credit unions making between half and twice as many loans).
It made 129 loans, down 5%, while peers grew 9%. Its count had risen every year from 59 in 2019 to 136 in 2024.
Low- and moderate-income (LMI) borrowers took 20.9% of its loans, against 29.0% at peers. Yet LMI neighborhoods took 17.1%, close to peers' 17.3%, and majority-minority neighborhoods 12.4%, against 9.7%. The make-up of its membership is one possible reason for the borrower mix.
In Cincinnati, IN-KY-OH, where it has lent since 2000, it ranks 187 of 621 lenders with an unchanged 0.1% of the market.
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Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. Cincinnati Ohio Police Federal Credit Union took 129 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Refinance 48.1% · Home improvement 31.0% · Other 20.2% · Purchase 0.8%
Conventional 100.0% · of 129 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 | 109 | 84.5% |
| Kentucky | 11 | 8.5% |
| Indiana | 9 | 7.0% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Cincinnati | 125 |
| Dayton-Kettering-Beavercreek | 2 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 549300CZVVHZY16D5T08 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 173173 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 5389 | 2000–2017 |
Established 1 January 1935. Reported under HMDA 2000-2025.
Mergers, name changes, data editions and corrections: Cincinnati Ohio Police Federal Credit Union's data.
Cincinnati Ohio Police Federal Credit Union's data
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Cincinnati Ohio Police 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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