Applications / Mortgage Analytics / Lenders / Ohio / Fremont Federal Credit Union
Fremont, OH · Credit union · NCUA · $378 million assets · 468 loans in 2025
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468
loans originated, 2025
521
applications, 2025
2
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Fremont Federal Credit Union made 468 loans in 2025, up 145% from 2024, a faster rise than at nearly all similar credit unions.
It made 191 loans in 2024. In 2025 it made 468, well above its earlier high of 353 in 2020. Similar lenders, credit unions making between half and twice as many loans, grew by 6%. Its typical loan fell to $85,000 from $125,000, so the money it lent rose by less, to $49.8 million from $27.2 million. The figures do not show which product drove the rise; purchases were 35.3% of its loans and home improvement 29.5%.
Borrowers with low and moderate incomes (LMI) took 41.5% of its loans, against 27.4% at similar lenders, more than at nine in ten of them. Its share in poorer neighborhoods (LMI tracts), 16.3%, was close to peers'. Only 0.2% of its loans went to neighborhoods where most residents are minorities, against 11.8%. Its markets, such as non-metro Ohio and Sandusky, may have few such neighborhoods.
It turned down 0.7% of purchase applications, against 6.5% at similar lenders.
Its share of the Sandusky market rose by 0.3 points to 1.0%, ranking it 23 of 230 lenders; Civista Bank leads. In Toledo its share held at 0.2%. It first reported in 2019.
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, 2019–2025
Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. Years with no HMDA report from this lender are left out: since 2020 a bank making fewer than 100 closed-end loans a year need not report. Fremont Federal Credit Union took 521 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Purchase 35.3% · Home improvement 29.5% · Refinance 19.4% · Other 15.8%
Conventional 100.0% · of 468 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 | 467 | 99.8% |
| Florida | 1 | 0.2% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Sandusky | 49 |
| Toledo | 33 |
| Akron | 2 |
| Cleveland | 2 |
| Cape Coral-Fort Myers | 1 |
| Columbus | 1 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 549300MXBLBJSY4S5R72 | 2019–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 593070 | 2022–2023 |
Established 1 January 1946. Reported under HMDA 2019-2025.
Mergers, name changes, data editions and corrections: Fremont Federal Credit Union's data.
Fremont Federal Credit Union's data
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