A home-improvement lender
Home improvement made up 92.0% of its lending in 2025. Purchases and refinances made up 4.0% each. That mix shapes the rest of its numbers.
Applications / Mortgage Analytics / Lenders / Ohio / KH Credit Union
KH Credit Union
Dayton, OH · Credit union · STATE · $69.7 million assets · 25 loans in 2025
KH Credit Union's data, $215Buy the data, $2,110Get Jenner, the SAS-compatible software
25
loans originated, 2025
25
applications, 2025
1
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
KH Credit Union, a Dayton credit union, makes a couple of dozen loans a year, nearly all of them to improve homes.
Small loans
Its typical loan was $65,000, against $95,000 at similar lenders, credit unions making between half and twice as many loans. That is smaller than about four in five of them, as a book of home-improvement loans would suggest.
Steady, at a low level
It has made 25 or 26 loans a year since 2022, after a peak of 60 in 2021. Its count was unchanged in 2025, while similar lenders shrank by 5% at the middle and the whole market grew 10%. With fewer than 30 loans a year, its shares of lending to particular borrowers and neighborhoods are too small to read much into.
A small player around Dayton
It has lent in Dayton-Kettering-Beavercreek since 2009 and ranked 205 of 443 lenders there, a market led by Wright-Patt Credit Union. It also lends in Cincinnati, Springfield and non-metro Ohio, across 6 counties.
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
25 loans in 2025, against a peak of 60 in 2021.
Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. KH Credit Union took 25 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
92.0% of its 2025 loans were home improvement loans; 96.0% were conventional loans.
Home improvement 92.0% · Purchase 4.0% · Refinance 4.0%
Conventional 96.0% · FHA 4.0% · 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
1 state, 3 metros, 6 counties
| State | Loans | Share |
|---|---|---|
| Ohio | 25 | 100.0% |
Largest metro areas, 2025
Loans originated
| Metro area | Loans |
|---|---|
| Dayton-Kettering-Beavercreek | 16 |
| Cincinnati | 7 |
| Springfield | 1 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 549300SNBYRUG0BK5T32 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 868488 | 2010–2023 |
| Respondent ID (the HMDA filer code before 2018) | 568542 | 2009–2017 |
Established 1 January 1964. Reported under HMDA 2009-2025.
Mergers, name changes, data editions and corrections: KH Credit Union's data.
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