Applications / Mortgage Analytics / Lenders / Ohio / Miami University Community Federal Credit Union
Oxford, OH · Credit union · NCUA · $76.1 million assets · 25 loans in 2025
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25
loans originated, 2025
25
applications, 2025
2
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Miami University Community Federal Credit Union, in Oxford, Ohio, is a small lender whose home loans are mostly for home improvement.
Four in five of its 25 loans in 2025 paid for home improvements; the rest financed purchases or refinances. Its typical loan was $75,000, against $95,000 at similar lenders (credit unions making between half and twice as many loans). Every loan was conventional, with no government backing.
It has reported since 1996. Since 2018 it has made between 25 and 48 loans a year. Its count fell 34% in 2025, from 38 to 25, against a 5% fall at the typical similar lender. At this size a handful of loans either way moves the count sharply, and the figures do not say why it fell.
Its lending covers three counties in two states, and Cincinnati is its only metro market. It has lent there since 1996 and ranks 285 of 621 lenders, a small player in a large market. With 25 loans, its shares of lending to low- and moderate-income borrowers or neighborhoods 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, 2018–2025
Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. Miami University Community Federal Credit Union took 25 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Home improvement 80.0% · Purchase 12.0% · Refinance 8.0%
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 | 24 | 96.0% |
| Indiana | 1 | 4.0% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Cincinnati | 25 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 549300981UHFORU1HG39 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 912783 | 2010–2023 |
| Respondent ID (the HMDA filer code before 2018) | 519678 | 1996–2017 |
Established 1 January 1969. Reported under HMDA 1996-2025.
Mergers, name changes, data editions and corrections: Miami University Community Federal Credit Union's data.
Miami University Community Federal Credit Union's data
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Miami University Community 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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