American Heritage FCU in Ohio vs the state
55.6%Denial rate+37.87 pts vs state
62.5%Decision denial rate+40.61 pts vs state
33.3%Origination rate-26.57 pts vs state
6.74%Median rate-0.13 pts vs state
0.35Rate spread (pts)-0.04 pts vs state
$103kMedian applicant income
6Loans originated
10Denied
Trend in Ohio
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 8 | 2 | 62.5% | 6.27% | #636 |
| 2024 | 6 | 3 | 33.3% | 7.74% | #667 |
| 2025 | 18 | 6 | 55.6% | 6.74% | #540 |
What American Heritage FCU lends in Ohio
By loan purpose
By loan type
Why it denied Ohio applicants
Where in Ohio
Counties with the most American Heritage FCU applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Cuyahoga County | 3 | 0 | 3 | 100.0% |
| Hamilton County | 2 | 0 | 2 | 100.0% |
| Belmont County | 2 | 1 | 0 | 0.0% |
| Licking County | 2 | 2 | 0 | 0.0% |
| Portage County | 2 | 1 | 1 | 50.0% |
| Pickaway County | 2 | 1 | 0 | 0.0% |
| Seneca County | 1 | 0 | 1 | 100.0% |
| Trumbull County | 1 | 0 | 1 | 100.0% |
| Crawford County | 1 | 0 | 1 | 100.0% |
| Geauga County | 1 | 0 | 1 | 100.0% |
Other large lenders in Ohio
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| The Huntington National Bank | D | 42,683 | 25.8% | 7.59% |
| Rocket Mortgage | C | 23,165 | 18.5% | 6.63% |
| Fifth Third Bank | D | 21,939 | 25.6% | 7.50% |
| Crosscountry Mortgage | B | 16,066 | 3.1% | 6.75% |
| United Shore Financial Services | B | 14,626 | 13.1% | 6.45% |
| Third Federal Savings and Loan Association of Cleveland | C | 12,622 | 23.0% | 6.74% |
| PNC Bank | D | 11,607 | 24.6% | 7.40% |
| Wright-Patt Credit Union | C | 8,791 | 28.1% | 7.50% |
| U.S. Bank | D | 8,623 | 38.0% | 7.60% |
| Citizens Bank | C | 7,775 | 24.3% | 7.65% |
Frequently asked questions
Ohio: 18 applications in 2025, of which 6 were originated and 10 denied.
55.6% of all applications, or 62.5% of the applications it actually decided on. The Ohio statewide average across all lenders was 17.7%.
The median rate on loans American Heritage FCU originated in Ohio in 2025 was 6.74%, against a statewide median of 6.88%.
About this data. Figures are American Heritage FCU's own HMDA filing for properties located in Ohio, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology