Applications / Mortgage Analytics / Lenders / Ohio / Unity Catholic Federal Credit Union
Parma, OH · Credit union · NCUA · $99.0 million assets · 95 loans in 2025
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95
loans originated, 2025
115
applications, 2025
1
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Unity Catholic Federal Credit Union does not finance home purchases at all: its 95 loans in 2025 were small loans to existing owners, mostly for home improvement and other purposes.
Other purposes made up 66.3% of its lending and home improvement 30.5%; refinances were the rest. That makes it a lender to people who already own their homes. Its typical loan was $55,000, about half the $100,000 at similar lenders (credit unions making between half and twice as many loans), and lower than at nearly all of them.
Its loans rose 19% in 2025, against 7% for similar lenders and 10% for the whole market. The credit union filed no HMDA reports for 2020 to 2022; since 2023 its count has climbed from 60 to 95. It remains a small presence in its main market, ranking 168 of 577 lenders in Cleveland.
Nearly half its loans, 46.3%, went to low- and moderate-income (LMI) borrowers, higher than at about nine in ten similar lenders. Only 8.4% went to LMI neighborhoods, against 17.3% at peers. So most of its lower-income borrowers live outside poorer tracts. The areas it serves may simply contain few such tracts.
Its typical rate was 5.00%, against 6.75% at peers, and none of its loans was higher-priced (a rate well above the average for similar loans). Small loans secured on homes their owners already hold may carry less risk.
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Originated means the loan was made: applications denied, withdrawn or not accepted are not counted.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. Unity Catholic Federal Credit Union took 115 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Other 66.3% · Home improvement 30.5% · Refinance 3.2%
Conventional 100.0% · of 95 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 | 95 | 100.0% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Cleveland | 90 |
| Akron | 2 |
| Canton-Massillon | 1 |
| Dayton-Kettering-Beavercreek | 1 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 254900II3J6G6WWO1O83 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 156774 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 54966 | 2004–2017 |
Established 1 January 1942. Reported under HMDA 2004-2025.
Mergers, name changes, data editions and corrections: Unity Catholic Federal Credit Union's data.
Unity Catholic Federal Credit Union's data
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Unity Catholic 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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