At a glance
From its website, read 2 Nov 2026Telhio Credit Union, Inc. is a credit union based in Columbus, Ohio. Its website describes auto loans, commercial real estate loans, equipment loans and 5 other loan types. Where it lends: Central and Southwest Ohio. You can start an application online.
Each point is backed by a quote further down this page. Terms change: confirm with the lender.
How to reach them and apply
| Lending | (614) 221-3233 source |
|---|---|
| Apply online | Page with the application link |
| Website | www.telhio.org |
| Office (official list) | 330 Rush Alley, Ste 500, Columbus, OH 43215 |
What their website says about applying
Apply online or connect with a local lender for personalized guidance.
sourceApply today or speak with a Mortgage expert at
source
Phone numbers and addresses are the ones on the lender's own site and the CDFI Fund list. CDFI Atlas does not take applications.
Rates and terms they state
Read 2 Nov 2026| Loan | Stated | Text on the lender's site (verbatim) | Page |
|---|---|---|---|
| Home repair / improvement loans | Term: see their wording | Our terms range from 5 to 20 years | source |
As published on the lender's website on that date, not an offer or a quote. Your rate depends on the lender's review. A missing rate means the pages we read did not state one. For consumer loans we repeat a rate only when the lender states it as an APR (annual percentage rate, which includes fees); otherwise read the lender's own wording and ask for the APR.
Official record
CDFI Fund list, 21 Oct 2026| Institution type | Credit union |
|---|---|
| Native CDFI | No |
| Date certified (as listed) | 12 Dec 2019 |
| RSSD ID | 1008692 |
| Address | 330 Rush Alley, Ste 500, Columbus, OH 43215 Directions (Google Maps) |
| Website | www.telhio.org |
Head officeBranch or officeApproximate (ZIP code area)
Map data © OpenStreetMap contributors, © OpenMapTiles, tiles OpenFreeMap. Head-office points: U.S. Census Bureau geocoder.
Loans and eligibility
Verified from lender site on 2 Nov 2026Read from 7 pages of the lender's website on 2 Nov 2026. Quotes are verbatim. Extracted with AI help from the pages listed below and checked automatically against them. Not reviewed by a person. Confidence: high. Consumer loan amounts and rates are not stated in full on the pages fetched. Terms change — confirm with the lender before applying.
| Product | Amount stated | Text on the lender's site (verbatim, incl. menu labels) | Page |
|---|---|---|---|
| Auto / vehicle loans | — | Drive in style with an auto loan from Telhio. | source |
| Commercial real estate loans | up to $500,000 | commercial real estate loans up to $500,000 | source |
| Equipment loans | — | let a working capital loan or a business equipment loan work for you. | source |
| Home repair / improvement loans | — | We offer a wide range of home equity and home improvement options | source |
| Home mortgages | — | Whether you're buying your first home, building, refinancing, or accessing your home's equity | source |
| Personal / consumer loans | — | Get the cash you need now with a personal loan from Telhio, with rates lower than most credit cards! | source |
| SBA-backed loans (7(a)/504/Community Advantage) | — | We offer Small Business Administration (SBA) 7(a) and SBA 504 loans. | source |
| Small-business loans | up to $250,000 | business loans up to $250,000 | source |
Service area
Central and Southwest Ohio
Telhio is open to anyone who lives, works, worships or goes to school in Central and Southwest Ohio.
source
Borrower focus
- Not stated on the pages we read.
Languages
- No non-English service found on the pages we read.
Online application
Yes — the site links to an application. Apply online or connect with a local lender for personalized guidance.
source
Questions to ask when you contact them
Based on what their website said when we read it on 2 Nov 2026, and what it left out. Something missing here does not mean they don't offer it: ask.
- How do I become a member, and is there a fee or a minimum deposit?
Credit unions lend only to their members. - What are the smallest and the largest loans you make?
No loan amounts are stated on their website. - What is the APR, including fees, on your auto loans and home repair loans?
Their website does not state an APR. The APR includes fees, so it is the number to compare. - What interest rate and fees should I expect on your commercial real estate loans and equipment loans?
Their website does not state a rate for this. - Is there a minimum credit score, and do you consider borrowers with little or no credit history?
Their website does not say what credit history they accept. - Do you need collateral, a business plan or a minimum time in business?
Their website does not say what they require. - What documents will you need from me, and how long does a decision usually take?
Their website describes some application steps (above); ask for the full document list.
Write down the answers, who you spoke to and the date, and ask for the terms in writing before you sign.
CDFI Fund awards
CDFI Fund database, 3 Nov 2026$3.2 million in 3 awards from the U.S. Treasury's CDFI Fund, 2020–2024 (CDFI Program, Financial Assistance; CDFI Rapid Response Program).
| Round year | Program | Amount |
|---|---|---|
| 2024 | CDFI Program, Financial Assistance | $800,000 |
| 2021 | CDFI Rapid Response Program | $1,826,265 |
| 2020 | CDFI Program, Financial Assistance | $557,000 |
These are awards and investments made to the institution itself to build its capital and capacity. They are not loans to borrowers, and an award does not mean the lender has money available for a particular loan today.
Source: CDFI Fund Searchable Awards Database, all 12,628 award records (1996–2025), read 3 Nov 2026. Years are the award round as the database lists it. Matched to the official CDFI list by exact name and state; see the method on the About page.
Branches and size
NCUA, 30 Jun 2026On file with the NCUA as TELHIO (charter 62848). Source: NCUA 5300 Call Report quarterly data (public data) as of 30 Jun 2026, downloaded 3 Nov 2026: total assets, members and branch addresses.
| Total assets | $1.4 billion (as of 30 Jun 2026) |
|---|---|
| Members | 68,461 (as of 30 Jun 2026) |
| Offices | 12 (as of 30 Jun 2026) |
Offices by state and county (12)
Ohio (12 offices)
- Butler County (3): 950 Deis Dr, Fairfield 45014; 601 Park Ave, Hamilton 45013; 8249 Market Place Dr, West Chester 45069
- Franklin County (9): 330 Rush Aly Ste 500, Columbus 43215 (main office); 1672 W 5th Ave, Columbus 43212; 1795 Morse Rd, Columbus 43229; 2295 E Livingston Ave, Columbus 43209; 3990 E Broad St, Columbus 43213; 5380 N Hamilton Rd, Columbus 43230; 4236 Buckeye Pkwy, Grove City 43123; 8010 E Broad St, Reynoldsburg 43068; 6851 N High St, Worthington 43085
An office shows where the lender has a branch, not where it lends or whom it lends to. Credit unions serve members only; check who can join. For the ZIP-code search, credit-union offices are placed at the centre of their ZIP code (approximate).
What the regulator filing shows
NCUA 5300, 30 Jun 2026Figures from the 5300 Call Report filed by Telhio Credit Union, Inc. (NCUA charter 62848, filed as “TELHIO”). Source: NCUA 5300 Call Report quarterly data (public data), cycle 30 Jun 2026; year-earlier figures from the 30 Jun 2025 cycle; downloaded 3 Nov 2026.
| Total loans and leases | $1.07 billion, 29,667 loans (as of 30 Jun 2026) |
|---|---|
| Change over the year | Down 0.8% from $1.08 billion on 30 Jun 2025 |
| Members | 68,461 (as of 30 Jun 2026); 68,730 (as of 30 Jun 2025) |
| Loans per member | $15,628 (total loans divided by members, 30 Jun 2026) |
| Total assets | $1.35 billion (as of 30 Jun 2026) |
Loan mix (balances on 30 Jun 2026)
| Loan category | Balance | Share |
|---|---|---|
| New vehicle loans | $54.2 million | 5.1% |
| Used vehicle loans | $102.2 million | 9.5% |
| First-lien home mortgages (1-4 family) | $365.1 million | 34.1% |
| Other real estate loans (junior liens, other) | $96.8 million | 9.1% |
| Commercial (business) loans | $374 million | 35.0% |
| Other unsecured loans | $30.7 million | 2.9% |
| Leases and other secured loans | $46.8 million | 4.4% |
None reported on the 30 Jun 2026 report: credit cards.
Balances are loans outstanding on the report date, not loans made during the year. A category with no balance does not mean the credit union never makes that kind of loan. Credit unions lend to members only; check who can join.
Home loans reported under HMDA (2025)
FFIEC HMDA data, 2025Telhio Credit Union, Inc. reported 719 originated home loans for 2025 under the Home Mortgage Disclosure Act, totaling about $113.8M (median loan about $105,000). 156 were home-purchase loans.
By loan purpose
| Purpose | Loans | Share |
|---|---|---|
| Home purchase | 156 | 22% |
| Refinance (incl. 165 cash-out) | 196 | 27% |
| Home improvement | 162 | 23% |
| Other purpose | 205 | 29% |
By loan type
| Loan type | Loans | Share |
|---|---|---|
| Conventional | 719 | 100% |
Included above: 284 home-equity or other open-end lines of credit.
Where the loans were made
Counties with the most 2025 originations, out of 46 counties with at least one; 99% of its 2025 loans were for properties in Ohio:
- Franklin County, OH (338)
- Butler County, OH (119)
- Licking County, OH (47)
- Delaware County, OH (39)
- Pickaway County, OH (31)
- Fairfield County, OH (30)
- Hamilton County, OH (21)
- Morrow County, OH (9)
Filed under LEI 549300ZJK68X6PQU2308 as “TELHIO CREDIT UNION, INC.”; matched by its RSSD ID on the CDFI Fund list, which the HMDA reporter panel links to this LEI.
Source: FFIEC Home Mortgage Disclosure Act (HMDA) data for 2025, snapshot frozen 2 Jun 2026, loan-level records read through the CFPB HMDA Data Browser API on 3 Nov 2026. Originated loans only; applications that were denied, withdrawn or not accepted are not counted. HMDA publishes each loan amount as the middle of a $10,000 band, so totals and medians are approximate. Counts under 3 are not shown. How we match lenders.
How it compares
Computed from public data| Measure | This lender | Compared with |
|---|---|---|
| Median SBA 7(a) loan it approved, FY2020–FY2026 | $150,000 (384 loans) | All 7(a) lenders in Ohio: $100,000. Larger than the median loan of 42% of the 97 other certified CDFIs with 10 or more 7(a) loans. |
| Variable-rate 7(a) loans: rate over prime at approval, FY2024–26 | median 2.25 pts, half between 2 pts and 3 pts (113 loans; 6% at the SBA maximum) | All lenders in Ohio: median 2 pts, 5% at the maximum (7,242 loans). |
| SBA approvals, FY2023–24 → FY2025–26 | 188 → 58 | Rank among the 6 certified CDFIs in Ohio with SBA approvals in either period: 1 → 1. |
| Total assets (Call Report, 30 Jun 2026) | $1.35 billion | Larger than 100% of the 11 other certified credit unions in Ohio (median $166.5 million). |
| Loans as a share of assets | 79% | Median of the same 11 credit unions: 61%. A higher share means more of its balance sheet is lent out. |
| Loans held, 30 Jun 2025 → 30 Jun 2026 | $1.08 billion → $1.07 billion (-1%) | Median change of 11 other certified credit unions in Ohio: +1%. Rank by loans held among these 12: 1 → 1. |
| Home loans originated in 2025 (HMDA) | 719 | More than 90% of the 263 other certified CDFIs that reported 3 or more (119 at the median). Volume only; nothing here is an approval rate. |
How these comparisons were worked out
| Measure | Peer group (this lender left out) | Peers | Where this lender sits |
|---|---|---|---|
| Median SBA 7(a) loan | certified CDFIs with 10+ 7(a) loans, nationwide | 97 | larger than 42% |
| Rate over prime | all variable-rate 7(a) loans in Ohio, FY2024–26 | 7,242 | median 2.25 pts vs 2 pts |
| SBA approvals then vs now | certified CDFIs in Ohio with SBA approvals FY2023–2026 | 5 | rank 1 → 1 of 6 |
| Call Report total assets | other certified credit unions in Ohio | 11 | larger than 100% |
| Loans held then vs now | certified credit unions in Ohio reporting both dates | 11 | rank 1 → 1 of 12 |
| HMDA home loans | certified CDFIs with 3+ originations in 2025, nationwide | 263 | more than 90% |
“Larger than X%” = the share of the peer group with a smaller value. Ranks count from the largest. Peer groups use the lender's home state when it has at least 5 peers, otherwise the whole country. Full definitions: methodology.
For comparison, not an offer and not a rating. Past records show what this lender did, not what you would be offered; your rate depends on the loan and on the lender's review. Peer groups and sources: methodology. SBA 7(a) & 504 FOIA data as of 30 Sep 2026. Assets and loans: FFIEC and NCUA Call Reports (see the loan-mix section). Home loans: FFIEC/CFPB HMDA data.
SBA loans approved
SBA data as of 30 Sep 2026The SBA's public loan data lists 391 SBA-backed approvals for Telhio Credit Union, Inc. in fiscal years 2020–2026 (October 2019 to September 2026):
- 384 7(a) loans as the lender: $113.2M in total (gross amount approved), median $150,000
- 7 504 projects as the third-party (first-lien) lender: $6.3M in total (its own third-party loan amount), median $529,750
By fiscal year: FY2020 35 · FY2021 62 · FY2022 48 · FY2023 76 · FY2024 112 · FY2025 39 · FY2026 19.
What actually happened
- Size of its 7(a) loans: half were between $75,000 and $314,425, median $150,000 (384 loans)
- Term of its 7(a) loans: median 120 months (10 years) (384 loans)
- Interest rate at approval on its 7(a) loans in FY2025–26: median 10.25%, half between 9.50% and 10.81% (56 loans; SBA's initial rate, before any change on a variable loan)
- Fixed or variable: 54% of its 7(a) loans had a fixed rate (384 loans)
- Young businesses: 41% of its 7(a) loans went to a startup or a business two years old or less (381 loans with an answer)
Descriptive only: what the SBA file records for loans this lender approved in fiscal years 2020–2026. Each figure covers at least 10 loans; with fewer we show nothing. It is not an offer, not the rate or term you would get, and says nothing about your chance of approval.
By program
- 7(a) standard (268, 69%)
- 7(a) SBA Express (112, 29%)
- 504 projects (as the third-party lender) (7, 2%)
- 7(a) working-capital and trade lines (4, 1%)
Borrower industries
NAICS sector, 3 or more loans.
- Accommodation and food services (54)
- Construction (41)
- Health care and social assistance (39)
- Transportation and warehousing (38)
- Manufacturing (33)
Where borrowers are
County of the borrower's ZIP code, 3 or more loans.
- Franklin County, OH (199)
- Butler County, OH (39)
- Fairfield County, OH (19)
- Delaware County, OH (19)
- Hamilton County, OH (17)
- Licking County, OH (11)
- Warren County, OH (11)
- Montgomery County, OH (10)
- Madison County, OH (9)
- Pickaway County, OH (4)
- Logan County, OH (3)
- Medina County, OH (3)
- Muskingum County, OH (3)
- Boone County, KY (3)
- Richland County, OH (3)
- Summit County, OH (3)
- Lee County, FL (3)
- Williams County, OH (3)
How this lender was matched in the SBA files: 504 third-party lender name: same name, state and city (SBA lists “Telhio Credit Union Inc”); NCUA charter 62848, found through the RSSD ID in NCUA records (SBA lists “Telhio Credit Union Inc”).
Approved is not the same as paid out: an approved loan can be reduced or never drawn. SBA lists the lender each loan is currently assigned to, which can differ after a merger or loan sale. Telhio Credit Union, Inc. may also make loans outside SBA programs, which are not counted here, and SBA Microloans are not in these files. For 504 projects, the CDC amount is the SBA-backed portion and the third-party lender amount is that lender's own first-lien loan.
Source: U.S. Small Business Administration, 7(a) & 504 FOIA loan data, files as of 30 Sep 2026, downloaded 3 Nov 2026. Our counts, cancelled approvals left out. How we match lenders.
Other certified CDFIs in Columbus and Ohio
- Economic and Community Development Institute, Inc. (ECDI)Loan fund · Columbus, OHSBA-backed loans (7(a)/504/Community Advantage), Small-business loansVerified
- Finance Fund Capital CorporationLoan fund · Columbus, OHOfficial list only
- FREEDOM EQUITY INC.Loan fund · Columbus, OHMicroloans, Small-business loansVerified
- Ohio Capital Finance CorporationLoan fund · Columbus, OHAffordable housing development loansVerified
- The Affordable Housing Trust for Columbus and Franklin CountyLoan fund · Columbus, OHAffordable housing development loansVerified
Work at Telhio Credit Union, Inc.? Link to this page
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