Applications / Mortgage Analytics / Lenders / Ohio / Towpath Credit Union
Fairlawn, OH · Credit union · NCUA · $211 million assets · 238 loans in 2025
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238
loans originated, 2025
411
applications, 2025
2
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Towpath Credit Union, an Ohio credit union, is mainly a home-improvement lender, and its lending grew 48% in 2025.
Home improvement made up 50.8% of its loans and other purposes 28.6%; purchases were only 9.7%. That mix may explain its small loans. Its typical loan was $55,000, about half the $105,000 of similar lenders, credit unions making between half and twice as many loans, and smaller than at nearly all of them.
Its loans rose 48%, to 238 from 161, while similar credit unions grew 5% and the whole market 10%. Its dollar total rose to $19.8 million from $11.5 million. It filed no reports for 2018 or for 2020 to 2022, so its record has gaps rather than lean years.
Borrowers with low or moderate incomes (LMI) took 41.6% of its loans, against 27.7% at similar credit unions, more than at about nine in ten of them. Loans in LMI neighborhoods made up 31.2%, against 16.3%, a higher share than at nearly all its peers. Both shares rose from 2024.
It ranks 41 of 401 lenders around Akron, with 0.5% of the dollars, up from 0.3%. The Huntington National Bank leads that market. Elsewhere its share is 0.1% or less.
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, 2019–2025
Originated means the loan was made: applications denied, withdrawn or not accepted are not counted.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. Towpath Credit Union took 411 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Home improvement 50.8% · Other 28.6% · Refinance 10.9% · Purchase 9.7%
Conventional 99.6% · VA 0.4% · of 238 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 | 237 | 99.6% |
| Florida | 1 | 0.4% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Akron | 211 |
| Cleveland | 13 |
| Canton-Massillon | 9 |
| Cape Coral-Fort Myers | 1 |
| Mansfield | 1 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 254900HQBR2XD7IAKH63 | 2019–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 425797 | 2014–2023 |
| Respondent ID (the HMDA filer code before 2018) | 596658 | 2014–2017 |
Established 22 January 1936. Reported under HMDA 2014-2025.
Mergers, name changes, data editions and corrections: Towpath Credit Union's data.
Towpath Credit Union's data
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Towpath 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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Every mortgage application reported under HMDA from 1990 to 2025, cleaned and corrected, every lender followed across name changes and mergers, with the market-share and fair-lending tables behind these pages and the Jenner programs that built them: the warehouse and the datamart, as Parquet files.
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