Something for every purpose
Purchases were 37.2% of its 148 loans in 2025, home improvement 22.3%, refinances 17.6% and other purposes 15.5%. Every loan was conventional, with no government backing.
Applications / Mortgage Analytics / Lenders / Ohio / Sharefax Credit Union
Sharefax Credit Union
Cincinnati, OH · Credit union · NCUA · $722 million assets · 148 loans in 2025
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148
loans originated, 2025
215
applications, 2025
8
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Sharefax Credit Union, a Cincinnati credit union that has reported since 1990, makes loans for every purpose and lends more to modest-income borrowers than most credit unions of its size.
Modest-income borrowers
Low- and moderate-income (LMI) borrowers took 40.5% of its loans, more than at about four in five similar lenders, credit unions making between half and twice as many loans, whose typical share was 28.6%. Its share in LMI neighborhoods, 19.1%, was close to their 17.3%.
Fewer loans
Its loans fell 19%, from 182 to 148, while similar lenders grew 9% and the whole market 10%. The figures do not show why, though it may have chosen fewer, larger loans: the total it lent rose from $20.6 million to $28.1 million. It merged with Emery Federal Credit Union in 2025; Emery's filings count in its market figures.
A small player at home
In Cincinnati, its largest market, it held 0.1% of lending and ranked 115th of 621 lenders. United Wholesale Mortgage and Union Savings Bank led.
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
148 loans in 2025, against a peak of 302 in 2020.
Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. Sharefax Credit Union took 215 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
37.2% of its 2025 loans were purchase loans; all were conventional loans.
Purchase 37.2% · Home improvement 22.3% · Refinance 17.6% · Other 15.5% · Not applicable 7.4%
Conventional 100.0% · of 148 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
8 states, 12 metros, 24 counties
| State | Loans | Share |
|---|---|---|
| Ohio | 128 | 86.5% |
| Kentucky | 9 | 6.1% |
| Indiana | 5 | 3.4% |
| Florida | 2 | 1.4% |
| Georgia | 1 | 0.7% |
| North Carolina | 1 | 0.7% |
| South Carolina | 1 | 0.7% |
| Tennessee | 1 | 0.7% |
Largest metro areas, 2025
Loans originated
| Metro area | Loans |
|---|---|
| Cincinnati | 131 |
| Dayton-Kettering-Beavercreek | 3 |
| Atlanta-Sandy Springs-Roswell | 1 |
| Cape Coral-Fort Myers | 1 |
| Columbia | 1 |
| Columbus | 1 |
| Indianapolis-Carmel-Greenwood | 1 |
| Jacksonville | 1 |
| Knoxville | 1 |
| Lafayette-West Lafayette | 1 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 549300FB7LY738B0AS28 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 368090 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 561090 | 1990–2017 |
Established 1 January 1960. Reported under HMDA 1990-2025.
Mergers, name changes, data editions and corrections: Sharefax Credit Union's data.
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