Applications / Mortgage Analytics / Lenders / Ohio / CODE Credit Union
Dayton, OH · Credit union · NCUA · $175 million assets · 58 loans in 2025
CODE Credit Union's data, $215Buy the data, $2,110Get Jenner, the SAS-compatible software
58
loans originated, 2025
110
applications, 2025
1
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
CODE Credit Union makes small loans, and more of them go to borrowers on lower incomes than at most of its peers.
Other purposes made up 53.4% of its loans and home improvement 41.4%; refinances were 5.2% and it made no home-purchase loans. Its typical loan, $35,000, was the same as in 2024 and among the lowest of similar lenders (credit unions making between half and twice as many loans), where it was $95,000.
Low- and moderate-income (LMI) borrowers took 41.4% of its loans, against 30.8% at similar lenders, more than at about three in four of them. LMI neighborhoods took 29.3%, against 17.3%, and majority-minority areas 22.4%, against 9.5%. Small loans of this kind may suit people on lower incomes.
It made 58 loans in 2025, 28% fewer than in 2024. Similar lenders grew 7% and the whole market 10%; about nine in ten of those peers grew faster. It had made 106 in 2023 and 127 in 2020. The figures do not say why.
In Dayton-Kettering-Beavercreek, where it has lent since 1991, it ranked 162 of 443 lenders with 0.1% of the market, unchanged. Wright-Patt Credit Union, Union Savings Bank and Rocket Mortgage led.
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Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. CODE Credit Union took 110 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Other 53.4% · Home improvement 41.4% · Refinance 5.2%
Conventional 100.0% · of 58 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 | 58 | 100.0% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Dayton-Kettering-Beavercreek | 53 |
| Cincinnati | 2 |
| Springfield | 1 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 549300ASHFL5TJ8X1B89 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 305974 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 566840 | 1991–2017 |
Established 1 January 1940. Reported under HMDA 1991-2025.
Mergers, name changes, data editions and corrections: CODE Credit Union's data.
CODE Credit Union's data
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CODE 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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