Atomic Credit Union in Ohio vs the state
35.3%Denial rate+17.57 pts vs state
42.1%Decision denial rate+20.23 pts vs state
48.4%Origination rate-11.46 pts vs state
—Median rate
—Rate spread (pts)
$91kMedian applicant income
327Loans originated
238Denied
Trend in Ohio
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 493 | 272 | 24.3% | — | #111 |
| 2024 | 573 | 343 | 27.4% | — | #113 |
| 2025 | 675 | 327 | 35.3% | — | #114 |
What Atomic Credit Union lends in Ohio
By loan purpose
By loan type
Where in Ohio
Counties with the most Atomic Credit Union applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Scioto County | 144 | 70 | 54 | 37.5% |
| Jackson County | 129 | 76 | 33 | 25.6% |
| Pike County | 100 | 46 | 33 | 33.0% |
| Ross County | 89 | 31 | 41 | 46.1% |
| Hocking County | 34 | 14 | 12 | 35.3% |
| Highland County | 33 | 19 | 10 | 30.3% |
| Vinton County | 25 | 16 | 7 | 28.0% |
| Fairfield County | 20 | 8 | 9 | 45.0% |
| Pickaway County | 18 | 9 | 6 | 33.3% |
| Gallia County | 16 | 9 | 4 | 25.0% |
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: 675 applications in 2025, of which 327 were originated and 238 denied.
35.3% of all applications, or 42.1% of the applications it actually decided on. The Ohio statewide average across all lenders was 17.7%.
This lender did not report interest rates on its originated loans (some institutions are exempt from HMDA pricing fields).
About this data. Figures are Atomic Credit Union'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