Mortgage Loans

Purchase or Refinance

Home is where it all begins …

Because purchasing a home is one of the most important decisions you will make , why not turn to someone you can trust for knowledgeable advice? Whether you are in the market for a new home or just want to refinance for a lower rate on your existing mortgage, CODE's mortgage department can meet your lending needs. CODE has programs for:

  • 1st Time Home Buyers
  • Home Improvement Loans
  • Investment Properties
  • And Much More

CLICK HEREto Learn home loan basics, shop rates, obtain a pre-approval or apply online

Apply Online

Call CODE at 937-222-8971 for complete mortgage information or e-mail us.

For a complete listing of CODE’s Mortgage officers, CLICK HERE.

Selling a home? Looking for a new home? Check out our new Real Estate Center.

Real Estate Center


CODE is excited to announce a new real estate services program, HomeAdvantage™, powered by CU Realty Services. With HomeAdvantage, you will be able to:

  • Search for homes online using the most current MLS home listings.
  • Save your favorite searches and get updates when new properties become available.
  • Compare recent home sales.
  • Research neighborhood demographics such as weather, schools, crime rates, etc.
  • Get a referral to an experienced real estate agent -- hand-picked by CODE!
  • Earn a rebate that can be used to reduce closing costs or taken as cash back.
  • Get support seven days a week from CU Realty’s Member Services reps.

Shop for your next home; learn the value of your current home and save hundreds if not thousands on every real estate transaction when you use HomeAdvantage. Gain access to all the tips, tools and data you needed to make informed decisions plus you will receive a rebate* - up to 20% of your agent's commission - when buying or selling using a HomeAdvantage/CU Realty Approved Agent. Take a look at these average savings:

Home Sale Price Rebate to Member*
$80,000 $480
$100,000 $600
$150,000 $900
$200,000 $1200

* Program incentives/savings (Rebates) are awarded to buyers and sellers who select and use an Approved Agent in the HomeAdvantage/CU Realty network. Members are not eligible for any program incentives/savings if they select an agent outside the HomeAdvantage/CU Realty network. Examples of rebate amounts shown here are based on 3% commission rate; your agent's commission rate may differ.

Click HERE to register with HomeAdvantage and start looking.

Register with CU Realty

Home Equity

CODE has Home Equity Loans to suit every homeowner and every need. Use the power of your home's equity to consolidate high-rate bills, work on home improvements or for other major expenditures. Borrow up to 100% of your home's value, minus your first mortgage balance, for any reason. Call us and we'll help you decide which Home Equity program is right for you.

Home Equity Line of Credit - Let this great variable rate loan provide you with extra cash when you need it most. Once approved, for the next 60 months, write yourself a loan anytime, for any reason, up to your credit limit, without reapplying. There are no maintenance or withdrawal fees. Great for educational expenses.

Equilink Visa - Enjoy the ease of accessing Home Equity Line of Credit funds with an Equilink Visa Card. Use your CODE Equilink Visa when shopping for home improvements or making major purchases. Your minimum monthly payment adjusts with your balance. Closed-End Equity Loan - Ideal for a one-time advance of cash. You can finance your loan, using the 90% borrowing figure, at either a fixed or variable rate. Convenient terms up to 15 years!

Quick Draw Loan - Designed for homebuyers with limited equity, this low fixed rate loan has terms up to 60 months. With just a title search and home value assessment, closing costs are kept to a minimum.