Applications / Mortgage Analytics / Lenders / Ohio / Education First Credit Union
Columbus, OH · Credit union · NCUA · $147 million assets · 121 loans in 2025
Education First Credit Union's data, $215Buy the data, $2,110Get Jenner, the SAS-compatible software
121
loans originated, 2025
161
applications, 2025
2
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Education First Credit Union lends in poorer and majority-minority neighborhoods far more often than similar credit unions, mostly to fix homes rather than buy them.
Similar lenders here are credit unions making between half and twice as many loans. Low- and moderate-income (LMI) neighborhoods took 40.5% of its loans, against 17.2% at a typical peer, more than at almost all of them. Majority-minority neighborhoods took 46.3%, against 9.5%. Both shares were far lower five years earlier, at 28.7% and 22.1%. A footprint centered on Columbus, OH may account for much of this.
Home improvement made up 35.5% of its lending and purchases only 5.8%. Its typical loan was $65,000, against $105,000 at peers, lower than at most of them. It may serve members' existing homes rather than finance purchases. All its loans were conventional.
It made 121 loans, up 5% from 115, while peers grew 8% and the whole market 10%. Its count had fallen from 152 in 2018 to 101 in 2023. In Columbus, OH it ranks 185 of 596 lenders, with an unchanged 0.1% share.
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Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. Education First Credit Union took 161 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Home improvement 35.5% · Not applicable 27.3% · Refinance 21.5% · Other 9.9% · Purchase 5.8%
Conventional 100.0% · of 121 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 | 120 | 99.2% |
| North Carolina | 1 | 0.8% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Columbus | 115 |
| Akron | 1 |
| Cleveland | 1 |
| Springfield | 1 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 549300ZA8T2KGQF6JK55 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 773078 | 2005–2023 |
| Respondent ID (the HMDA filer code before 2018) | 568447 | 2005–2017 |
Established 1 January 1936. Reported under HMDA 2005-2025.
Mergers, name changes, data editions and corrections: Education First Credit Union's data.
Education First Credit Union's data
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Education First 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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