Applications / Mortgage Analytics / Lenders / Ohio / Community First Credit Union
Ashtabula, OH · Credit union · NCUA · $96.4 million assets · 26 loans in 2025
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26
loans originated, 2025
26
applications, 2025
1
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Community First Credit Union, of Ashtabula, Ohio, is a small lender whose 26 loans in 2025 went as often to refinancing as to buying homes, and nearly as often to home improvement.
Only 30.8% of its loans were for buying a home. The rest went to refinances (30.8%), home improvement (26.9%) and other purposes (11.5%). Its typical loan was $50,000, about half the $95,000 at similar lenders (credit unions making between half and twice as many loans). The light weight of home purchases in its mix may account for the smaller sums.
The credit union first reported its home lending in 1995, but it filed no report from 2018 to 2024. Those years are gaps in the record, not years without lending. Its 26 loans in 2025 were a few short of the 30 that a typical similar lender made, and too few to support firm comparisons of who it lends to.
Its lending covers two counties in Ohio and one metro, Cleveland. There it ranked 252nd of 577 lenders in 2025, with a share that rounds to 0.0%. The market's leader, The Huntington National Bank, lent $975.6M; CrossCountry Mortgage came second with $831.3M.
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, 2025–2025
Originated means the loan was made: applications denied, withdrawn or not accepted are not counted.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. Community First Credit Union took 26 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Purchase 30.8% · Refinance 30.8% · Home improvement 26.9% · Other 11.5%
Conventional 100.0% · of 26 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 | 26 | 100.0% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Cleveland | 26 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 64882O5BY6S207L2AA30 | 2025–2025 |
| Respondent ID (the HMDA filer code before 2018) | 561094 | 1995–2003 |
Established 1 January 1955. Reported under HMDA 1995-2025.
Mergers, name changes, data editions and corrections: Community First Credit Union's data.
Community First Credit Union's data
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Community First 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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