Applications / Mortgage Analytics / Lenders / Ohio / Associated School Employees Credit Union
Youngstown, OH · Credit union · NCUA · $212 million assets · 63 loans in 2025
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63
loans originated, 2025
63
applications, 2025
1
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Associated School Employees Credit Union, in Youngstown, makes some of the smallest home loans of any lender its size, and its 63 loans in 2025 were 47% more than in 2024.
Its typical loan was $35,000, against $95,000 at similar lenders (credit unions making between half and twice as many loans), smaller than at almost all of them. Refinances made up 71.4% of its loans and home improvement 20.6%. All its loans were conventional.
Its loans rose faster than at more than four in five similar lenders, whose loans rose 7%. The count had fallen from 126 in 2020 to 32 in 2023, before rising to 43 in 2024.
Low- and moderate-income (LMI) borrowers took 22.2% of its loans, against 30.9% at peers, and LMI neighborhoods 9.5%, against 17.4%, though up from 4.7% in 2024. Its mostly refinance lending may be one reason. Its four Ohio counties may hold few such neighborhoods.
In Youngstown-Warren it ranked 54 of 278 lenders with 0.2% of the market, as in 2024; The Huntington National Bank led. It has lent there since 1990.
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Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. Associated School Employees Credit Union took 63 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Refinance 71.4% · Home improvement 20.6% · Purchase 7.9%
Conventional 100.0% · of 63 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 | 63 | 100.0% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Youngstown-Warren | 61 |
| Akron | 1 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 549300EBDJ0OSO5L7O79 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 22691 | 2010–2023 |
| Respondent ID (the HMDA filer code before 2018) | 568587 | 2009–2017 |
Established 1 January 1958. Reported under HMDA 2009-2025.
Mergers, name changes, data editions and corrections: Associated School Employees Credit Union's data.
Associated School Employees Credit Union's data
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Associated School Employees 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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