Applications / Mortgage Analytics / Lenders / Ohio / First Service Federal Credit Union
Groveport, OH · Credit union · NCUA · $230 million assets · 38 loans in 2025
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38
loans originated, 2025
54
applications, 2025
1
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
First Service Federal Credit Union, a small lender around Columbus, Ohio, mostly refinances, makes bigger loans than similar credit unions and in 2025 climbed back from a weak 2024.
Its loans rose 65%, from 23 to 38, faster than about nine in ten similar lenders (credit unions making between half and twice as many loans), which grew by 1%. But 2024 was a low point. It made 37 loans in 2019 and 32 in 2023, and filed no report for 2020 to 2022. At these numbers a few loans either way move the result.
Refinancing made up 55.3% of its loans and purchases only 18.4%, all conventional. Its typical loan, $170,000, was about double the $85,000 at similar credit unions, and higher than about four in five of them.
It made 24.3% of its loans in low- and moderate-income (LMI) neighborhoods, against 17.4% at similar credit unions, more than about seven in ten. Its share to LMI borrowers ran the other way: 13.5%, against 31.6%, among the lowest tenth. Its bigger loans may go to borrowers with higher incomes, and with 38 loans a handful can swing the share.
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Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. Years with no HMDA report from this lender are left out: since 2020 a bank making fewer than 100 closed-end loans a year need not report. First Service Federal Credit Union took 54 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Refinance 55.3% · Purchase 18.4% · Home improvement 13.2% · Other 13.2%
Conventional 100.0% · of 38 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 | 37 | 97.4% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Columbus | 35 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 5493001KKF1KUVEDX282 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 646882 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 511170 | 1990–2017 |
Established 1 January 1956. Reported under HMDA 1990-2025.
Mergers, name changes, data editions and corrections: First Service Federal Credit Union's data.
First Service Federal Credit Union's data
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First Service Federal 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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