Applications / Mortgage Analytics / Lenders / Ohio / St. Josephs Federal Credit Union
Canton, OH · Credit union · NCUA · $62.1 million assets · 26 loans in 2025
St. Josephs Federal Credit Union's data, $215Buy the data, $2,110Get Jenner, the SAS-compatible software
26
loans originated, 2025
44
applications, 2025
1
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
St. Josephs Federal Credit Union, a small credit union in Canton, Ohio, makes small loans to people who already own their homes, and it made 26 of them in 2025.
Similar lenders here are credit unions making between half and twice as many loans. St. Josephs' typical loan, $50,000, is about half the typical peer's $95,000 and among the smallest twentieth of its peers. It was also $50,000 in 2024. Refinances made up 46.2% of its loans and home improvement 38.5%; it made almost no purchase loans. Every loan was conventional, with none backed by a government agency.
Its loans rose from 18 to 26 in 2025, while the typical peer's fell 5%. It made 41 loans in 2019 and filed no report for 2021 or 2022. Those are gaps in the record rather than years without lending, since a lender making fewer than 100 closed-end loans a year need not report.
All its lending is in two Ohio counties. It has lent in Canton-Massillon and Akron since 2013, and ranks 130 of 297 lenders in Canton-Massillon. On 26 loans, one loan more or less moves any share by several points, so its shares by borrower, neighborhood and price 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Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. Years with no HMDA report from this lender are left out: since 2020 a bank making fewer than 100 closed-end loans a year need not report. St. Josephs Federal Credit Union took 44 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Refinance 46.2% · Home improvement 38.5% · Other 11.5% · Purchase 3.8%
Conventional 100.0% · of 26 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 | 26 | 100.0% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Canton-Massillon | 25 |
| Akron | 1 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 549300VDCE0HESF63887 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 683775 | 2013–2023 |
| Respondent ID (the HMDA filer code before 2018) | 54884 | 1993–2017 |
Established 1 January 1942. Reported under HMDA 1993-2025.
Mergers, name changes, data editions and corrections: St. Josephs Federal Credit Union's data.
St. Josephs Federal Credit Union's data
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St. Josephs 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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