Applications / Mortgage Analytics / Lenders / Ohio / Glass City Federal Credit Union
Maumee, OH · Credit union · NCUA · $320 million assets · 25 loans in 2025
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25
loans originated, 2025
50
applications, 2025
1
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Glass City Federal Credit Union, a Toledo-area lender reporting since 1990, now makes only a couple of dozen home loans a year, far fewer than in 2020.
It made 25 loans in 2025, against 144 in 2020 and 103 in 2021. The count fell to 22 in 2023 and has hovered near that level since. Higher rates may explain much of the fall: its typical rate was 3.00% in 2020 and 6.88% in 2025. With so few loans, the 25% rise from 20 in 2024 says little about a turn.
Its peers are credit unions making between half and twice as many loans, and they made 30 at the middle. On 25 loans, shares of borrower income, neighborhood or price can swing on two or three loans, so they are left to the tables. Every loan was conventional, and purchases made up most of them.
All its lending was in Ohio, in five counties. In Toledo, where it has lent since 1990, it ranks 68 of 334 lenders with a 0.2% share, unchanged from 2024. The Huntington National Bank and Fifth Third Bank lead that market.
It merged with Mutual Federal Credit Union in 2009. That credit union's filings count as Glass City's in the competition figures, which matters for any reading of its long-run market position.
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Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. Glass City Federal Credit Union took 50 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Purchase 84.0% · Refinance 16.0%
Conventional 100.0% · of 25 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 | 25 | 100.0% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Toledo | 22 |
| Sandusky | 1 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 549300BYZ5JSI6TQMS54 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 610874 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 55495 | 1990–2017 |
Established 1 January 1947. Reported under HMDA 1990-2025.
Mergers, name changes, data editions and corrections: Glass City Federal Credit Union's data.
Glass City Federal Credit Union's data
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Glass City 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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