Applications / Mortgage Analytics / Lenders / Ohio / Best Reward Federal Credit Union
Brook Park, OH · Credit union · NCUA · $165 million assets · 24 loans in 2025
Best Reward Federal Credit Union's data, $215Buy the data, $2,110Get Jenner, the SAS-compatible software
24
loans originated, 2025
50
applications, 2025
1
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Best Reward Federal Credit Union is a very small Ohio lender that made no home-purchase or refinance loans in 2025, only home-improvement and other loans.
Of its 24 loans in 2025, 70.8% were for other purposes and 29.2% for home improvement. Every loan was conventional, with no government backing. Its typical loan was $55,000, against $97,500 at similar lenders (credit unions making between half and twice as many loans), which fits a book of improvement and other loans rather than first mortgages.
It first reported under the Home Mortgage Disclosure Act in 1998, but filed no reports from 2018 to 2021; those are gaps in the record, not years without lending. Since 2022 it has made between 21 and 27 loans a year. Its loans fell 11% in 2025, while similar lenders' fell 5%, a difference of a few loans.
It lends in six Ohio counties, in the Cleveland and Akron areas. It has lent in Cleveland since 1998 and in Akron since 2000. In both it ranks in the lower half, 305 of 577 in Cleveland.
With about two dozen loans a year, its shares of lending to poorer borrowers and neighborhoods, and its prices, swing with each loan and are too small to read much into.
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, 2022–2025
Originated means the loan was made: applications denied, withdrawn or not accepted are not counted.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. Best Reward Federal Credit Union took 50 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Other 70.8% · Home improvement 29.2%
Conventional 100.0% · of 24 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 | 24 | 100.0% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Cleveland | 21 |
| Akron | 3 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 254900LBYFNAUBRAJP63 | 2022–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 976589 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 56395 | 1990–2005 |
| Respondent ID (the HMDA filer code before 2018) | 568539 | 2006–2017 |
Established 1 January 1949. Reported under HMDA 1998-2025.
Mergers, name changes, data editions and corrections: Best Reward Federal Credit Union's data.
Best Reward Federal Credit Union's data
$215
Best Reward 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.
Buy Best Reward Federal 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]