Applications / Mortgage Analytics / Lenders / Ohio / Cinfed Federal Credit Union
Cincinnati, OH · Credit union · NCUA · $840 million assets · 502 loans in 2025
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502
loans originated, 2025
854
applications, 2025
3
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Cinfed Federal Credit Union grew 29% in 2025 and gained ground in its home market of Cincinnati.
It made 502 loans, up 29%, while similar lenders (credit unions making between half and twice as many loans) grew 6% and the whole market 10%. It lent $131.9 million, up from $87.6 million and more than about eight in ten peers. In Cincinnati, where it has lent since at least 1990, it ranks 29 of 621 lenders, and its share rose 0.2 points to 0.8%.
Refinances, home purchases, other purposes and home improvement each took about a quarter of its loans, from 23.7% to 27.5%. All were conventional. Jumbo loans (larger than the conforming limit) were 6.9%, against 0.5% at peers, more than at nine in ten of them.
Low- and moderate-income (LMI) neighborhoods took 23.5% of its loans, against 15.2% at peers, more than at nine in ten of them, though down from 29.4% in 2024. LMI borrowers took 33.0%, against 27.3%.
Only 0.2% of its loans were higher-priced (a rate well above the average for similar loans), against 1.7% at peers. Its typical rate, 7.00%, matched theirs.
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Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. Cinfed Federal Credit Union took 854 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Refinance 27.5% · Purchase 24.7% · Other 24.1% · Home improvement 23.7%
Conventional 100.0% · of 502 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 | 354 | 70.5% |
| Kentucky | 139 | 27.7% |
| Indiana | 5 | 1.0% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Cincinnati | 487 |
| Dayton-Kettering-Beavercreek | 2 |
| Akron | 1 |
| Columbus | 1 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 549300YJQ7L8XG0WT572 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 871787 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 521930 | 1990–2017 |
Established 1 January 1975. Reported under HMDA 1990-2025.
Mergers, name changes, data editions and corrections: Cinfed Federal Credit Union's data.
Cinfed Federal Credit Union's data
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Cinfed 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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