Applications / Mortgage Analytics / Lenders / Ohio / Credit Union of Ohio
Hilliard, OH · Credit union · NCUA · $207 million assets · 53 loans in 2025
Credit Union of Ohio's data, $215Buy the data, $2,110Get Jenner, the SAS-compatible software
53
loans originated, 2025
142
applications, 2025
1
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Credit Union of Ohio rarely lends to home buyers: other-purpose and home-improvement loans made up most of its 53 loans in 2025.
Other-purpose loans were 45.3% of its lending and home improvement 39.6%. Home purchases were 13.2% and refinances 1.9%. Its typical loan, $55,000, was smaller than at more than nine in ten similar lenders (credit unions making between half and twice as many loans), where it was $95,000.
It made 53 loans, 15% fewer than the 62 of 2024, while similar lenders grew 6%. Its count has swung widely, from 101 in 2020 to 31 in 2023 and back to 62 a year later, so one year says little about direction.
Poorer neighborhoods (low- and moderate-income, or LMI, tracts) took 26.9% of its loans, against 17.7% at peers, and majority-minority neighborhoods 24.5%, against 9.8%. Both are higher than at about three in four similar lenders. LMI borrowers took 35.9%, a little more than peers' 31.2%.
In Columbus it ranks 266 of 596, in a market led by The Huntington National Bank, and it has lent there since 2006. It also lends in Cincinnati, Cleveland and Youngstown-Warren, all in Ohio.
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Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. Credit Union of Ohio took 142 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Other 45.3% · Home improvement 39.6% · Purchase 13.2% · Refinance 1.9%
Conventional 100.0% · of 53 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 | 53 | 100.0% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Columbus | 43 |
| Youngstown-Warren | 4 |
| Cincinnati | 2 |
| Cleveland | 2 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 549300WYRD3CZ6KH1N11 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 571292 | 2010–2023 |
| Respondent ID (the HMDA filer code before 2018) | 568561 | 2006–2017 |
Established 12 May 2016. Reported under HMDA 2006-2025.
Mergers, name changes, data editions and corrections: Credit Union of Ohio's data.
Credit Union of Ohio's data
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Credit Union of Ohio 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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