Applications / Mortgage Analytics / Lenders / Ohio / VacationLand Federal Credit Union
Sandusky, OH · Credit union · NCUA · $321 million assets · 21 loans in 2025
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21
loans originated, 2025
43
applications, 2025
1
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
VacationLand Federal Credit Union is a very small Sandusky, Ohio, credit union that made 21 home loans in 2025, too few to say much about whom it lends to.
Its 21 loans in 2025 were down 34% from 32 in 2024. Similar lenders (credit unions making between half and twice as many loans) made 5% fewer, while the whole market grew 10%. At this size a large percentage is a small number of loans. Its loans came to $3.5 million, close to the typical peer's $3.4 million.
It first reported under the Home Mortgage Disclosure Act in 2004, but filed no report for 2018 to 2023. Small lenders need not report every year, so those are gaps in the record, not years without lending. Its history in the data therefore resumes in 2024.
It has lent in Sandusky since 2004 and ranks 52 of 230 lenders there. Its share fell to 0.3% from 0.6%, which may simply reflect its fewer loans. Civista Bank leads the Sandusky market, followed by The Huntington National Bank. Its lending reaches five counties, all in Ohio, with some lending in Cleveland.
With 21 loans, its shares of lending to poorer borrowers or neighborhoods, its typical loan and its typical rate each rest on a handful of cases. They are best left unread until its volume grows.
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, 2024–2025
Originated means the loan was made: applications denied, withdrawn or not accepted are not counted.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. VacationLand Federal Credit Union took 43 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Purchase 71.4% · Refinance 28.6%
Conventional 100.0% · of 21 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 | 21 | 100.0% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Sandusky | 11 |
| Cleveland | 3 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 254900Q92E0LJ0RGCE42 | 2024–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 624787 | 2004–2014 |
| Respondent ID (the HMDA filer code before 2018) | 511293 | 2004–2014 |
Established 1 January 1956. Reported under HMDA 2004-2025.
Mergers, name changes, data editions and corrections: VacationLand Federal Credit Union's data.
VacationLand Federal Credit Union's data
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VacationLand 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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