Applications / Mortgage Analytics / Lenders / Ohio / Community Star Credit Union
Elyria, OH · Credit union · STATE · $102 million assets · 43 loans in 2025
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43
loans originated, 2025
52
applications, 2025
1
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Community Star Credit Union, a small Ohio credit union, makes bigger loans than most of its peers and lends more often to poorer borrowers.
Its typical loan was $145,000, against $95,000 at similar lenders (credit unions making between half and twice as many loans), higher than about three-quarters of them. Purchases were 46.5% of its loans and refinances 30.2%. Its typical rate, 6.88%, was near the middle of peers.
Low- and moderate-income (LMI) borrowers took 39.5% of its loans, against 31.3% at similar lenders, higher than about seven in ten. Its shares in LMI and majority-minority areas fell from a year before, but at 43 loans that rests on a handful of loans.
Originations rose 2%, from 42 to 43, against 3% at similar lenders and 10% for the whole market. It made 129 loans in 2020.
It ranked 176 of 577 lenders in Cleveland, where it has lent since 1994, and 82 of 230 in Sandusky, where its share held at 0.1%.
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Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. Community Star Credit Union took 52 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Purchase 46.5% · Refinance 30.2% · Home improvement 11.6% · Other 11.6%
Conventional 100.0% · of 43 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 | 43 | 100.0% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Cleveland | 40 |
| Sandusky | 3 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 549300VZCSVVY5P73G51 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 930693 | 2010–2023 |
| Respondent ID (the HMDA filer code before 2018) | 595008 | 1994–2017 |
Established 1 January 1938. Reported under HMDA 1994-2025.
Mergers, name changes, data editions and corrections: Community Star Credit Union's data.
Community Star Credit Union's data
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Community Star 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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