Applications / Mortgage Analytics / Lenders / Ohio / IH Credit Union
Springfield, OH · Credit union · STATE · $356 million assets · 29 loans in 2025
IH Credit Union's data, $215Buy the data, $2,110Get Jenner, the SAS-compatible software
29
loans originated, 2025
32
applications, 2025
1
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
IH Credit Union is a small, steady lender in Springfield, Ohio, where it has made home loans since 1990 and ranks 38 of 216 lenders.
The credit union made 29 loans in 2025, one fewer than in 2024. That 3% fall matched similar lenders (credit unions making between half and twice as many loans), while the whole market rose 10%. Its lending has eased a little almost every year since 2018, when it made 46 loans, but it has never collapsed. The figures do not say why it has drifted lower.
Springfield is where it matters. Its share there was 0.4%, against 0.5% a year earlier, a fall of 0.1 points that a loan or two either way could explain. Wright-Patt Credit Union and CrossCountry Mortgage lead the market. Outside Springfield it barely registers: it ranks 375 of 443 in Dayton-Kettering-Beavercreek.
Some 53.6% of its borrowers had low or moderate incomes, against 31.9% at similar lenders, more than at about nine in ten of them. The share was 40.0% in 2024. All its loans are conventional, and its typical loan, $135,000, is larger than similar lenders' $95,000. With 29 loans, a few borrowers either way move these shares.
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Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. IH Credit Union took 32 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Purchase 58.6% · Refinance 41.4%
Conventional 100.0% · of 29 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 | 29 | 100.0% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Springfield | 21 |
| Dayton-Kettering-Beavercreek | 2 |
| Cincinnati | 1 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 549300OZV7J05G72WS11 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 68699 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 561744 | 1990–2016 |
| Respondent ID (the HMDA filer code before 2018) | 597104 | 2017–2017 |
Established 1 January 1934. Reported under HMDA 1990-2025.
Mergers, name changes, data editions and corrections: IH Credit Union's data.
IH Credit Union's data
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IH 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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