Applications / Mortgage Analytics / Lenders / Ohio / Treadwell Credit Union
Dayton, OH · Credit union · STATE · $137 million assets · 103 loans in 2025
Treadwell Credit Union's data, $215Buy the data, $2,110Get Jenner, the SAS-compatible software
103
loans originated, 2025
103
applications, 2025
1
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Treadwell Credit Union is a refinance lender: almost four in five of its 103 loans in 2025 refinanced an existing home loan.
Refinances made up 78.6% of its loans and purchases 14.6%. Its typical loan, $85,000, was smaller than at about six in ten similar lenders, credit unions making between half and twice as many loans. Its typical rate fell to 6.38% from 7.65%, lower than at about three in four of them.
It made 103 loans, up 17% from 88, while similar lenders grew 8% and the whole market 10%. It filed no report for 2020 to 2023, so its record has a gap; it made 63 loans in 2018.
Some 22.3% of its loans went to low- and moderate-income neighborhoods, against 17.3% at similar lenders, more than at about seven in ten. Its shares of loans to lower-income borrowers and in majority-minority neighborhoods were near the middle.
It ranks 75 of 443 in the Dayton market, which it has served since at least 1990. Wright-Patt Credit Union and Union Savings Bank lead there. It also ranks 72 of 216 in Springfield.
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Originated means the loan was made: applications denied, withdrawn or not accepted are not counted.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. Treadwell Credit Union took 103 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Refinance 78.6% · Purchase 14.6% · Home improvement 4.9% · Other 1.9%
Conventional 100.0% · of 103 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 | 103 | 100.0% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Dayton-Kettering-Beavercreek | 80 |
| Springfield | 9 |
| Cincinnati | 8 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 549300MSETJUOU1OY757 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 263999 | 2004–2019 |
| Respondent ID (the HMDA filer code before 2018) | 560885 | 1990–2017 |
Established 1 January 1957. Reported under HMDA 1990-2025.
Mergers, name changes, data editions and corrections: Treadwell Credit Union's data.
Treadwell Credit Union's data
$215
Treadwell 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.
Buy Treadwell Credit Union's data, $215Jenner Mortgage Analytics: all the data
$2,110
Every mortgage application reported under HMDA from 1990 to 2025, cleaned and corrected, every lender followed across name changes and mergers, with the market-share and fair-lending tables behind these pages and the Jenner programs that built them: the warehouse and the datamart, as Parquet files.
Buy the data, $2,110Jenner, the SAS-compatible software
See prices
Jenner runs programs written in the SAS language. It drew every chart on these pages and fitted the fair-lending model, PROC GLIMMIX on 3.5 million applications. Run the programs that come with the data, or your own.
Get JennerQuestions, or the data and Jenner together: [email protected]