Applications / Mortgage Analytics / Lenders / Ohio / Truecore Federal Credit Union
Newark, OH · Credit union · NCUA · $247 million assets · 150 loans in 2025
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150
loans originated, 2025
184
applications, 2025
1
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Truecore Federal Credit Union, a small Ohio lender, makes two in five of its loans in poorer neighborhoods, a larger share than nearly every similar credit union.
Some 40.7% of its loans went to low- and moderate-income neighborhoods, against 17.3% at similar lenders (credit unions making between half and twice as many loans), more than at nearly all of them. The share has nearly doubled from 21.0% in 2020. Some 45.0% of its borrowers had low or moderate incomes, against 28.9% at similar lenders, more than at about nine in ten.
Other-purpose loans made up 89.3% of its lending; purchases were 10.0% and refinances almost none. Its typical loan was $85,000, against $105,000 at similar lenders.
Its loans rose 11% to 150, about in step with similar lenders' 9% and the whole market's 10%. All its lending is in Ohio, and in Columbus, its largest market, it ranks 140 of 596 lenders. It has lent there since 1991.
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Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. Truecore Federal Credit Union took 184 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Other 89.3% · Purchase 10.0% · Refinance 0.7%
Conventional 100.0% · of 150 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 | 150 | 100.0% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Columbus | 135 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 254900TFS12PFBK5FD47 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 448077 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 54024 | 1991–2017 |
Established 1 January 1940. Reported under HMDA 1991-2025.
Mergers, name changes, data editions and corrections: Truecore Federal Credit Union's data.
Truecore Federal Credit Union's data
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Truecore 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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