Applications / Mortgage Analytics / Lenders / Ohio / CES Credit Union
Mount Vernon, OH · Credit union · NCUA · $236 million assets · 79 loans in 2025
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79
loans originated, 2025
94
applications, 2025
1
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
CES Credit Union, an Ohio credit union that mostly refinances, made half as many loans again in 2025, ending four years of decline.
Its originations rose 52%, from 52 to 79, faster than almost nine in ten similar lenders (credit unions making between half and twice as many loans). The typical one grew 6%. The money it lent nearly doubled, to $10.2 million from $5.5 million. The rise followed four straight falls from 109 loans in 2020.
Refinances made up 67.1% of its loans and purchases 22.8%. Its typical loan was $115,000, against $95,000 at similar lenders, larger than at nearly two in three of them. Every loan was conventional.
Low- and moderate-income (LMI) borrowers took 44.3% of its loans, against 30.6% at similar lenders, more than at over four in five of them. The share barely moved from 44.0% the year before. Its largest market is non-metro Ohio, where it ranks 136 of 592 lenders, and it has lent in Columbus since 1992.
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Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. CES Credit Union took 94 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Refinance 67.1% · Purchase 22.8% · Other 10.1%
Conventional 100.0% · of 79 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 | 79 | 100.0% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Columbus | 4 |
| Mansfield | 3 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 549300P0EVSTBKD8HJ82 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 811493 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 562352 | 1991–2017 |
Established 1 January 1952. Reported under HMDA 1991-2025.
Mergers, name changes, data editions and corrections: CES Credit Union's data.
CES Credit Union's data
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CES 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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