Applications / Mortgage Analytics / Lenders / Ohio / Abbey Credit Union
Vandalia, OH · Credit union · STATE · $190 million assets · 22 loans in 2025
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22
loans originated, 2025
30
applications, 2025
1
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Abbey Credit Union, a small credit union in Vandalia, Ohio, lends mainly for home improvement, and made 22 loans in 2025, down from 34.
Half of its loans were for home improvement; purchases and refinances made up 22.7% each. Its typical loan, $70,000, was smaller than at about three-quarters of similar lenders, meaning credit unions making between half and twice as many loans, whose typical loan was $100,000. Small loans fit a home-improvement lender. All its loans were conventional.
Its loans fell 35% in 2025, against a 5% fall at similar credit unions and a 10% rise in the whole market. It filed no report for 2018 to 2022; those years are gaps in the record, not years without lending, since small lenders are not always required to report. With 22 loans, the shares of its lending to particular borrowers or neighborhoods are too small to read much into.
It lends in 1 metro and 4 counties, all in Ohio, and has lent around Dayton since 1990. There it ranks 191 of 443 lenders; its share fell 0.1 points, which its smaller total may explain. Wright-Patt Credit Union and Union Savings Bank lead that market.
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, 2023–2025
Originated means the loan was made: applications denied, withdrawn or not accepted are not counted.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. Abbey Credit Union took 30 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Home improvement 50.0% · Purchase 22.7% · Refinance 22.7% · Other 4.5%
Conventional 100.0% · of 22 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 | 22 | 100.0% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Dayton-Kettering-Beavercreek | 19 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 549300N1MCHMZQ2BP498 | 2023–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 774598 | 2005–2023 |
| Respondent ID (the HMDA filer code before 2018) | 566827 | 1990–2016 |
Established 1 January 1937. Reported under HMDA 1990-2025.
Mergers, name changes, data editions and corrections: Abbey Credit Union's data.
Abbey Credit Union's data
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Abbey 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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