Bayer Heritage Credit Union in Ohio vs the state
23.8%Denial rate+6.12 pts vs state
28.0%Decision denial rate+6.15 pts vs state
61.1%Origination rate+1.21 pts vs state
6.00%Median rate-0.88 pts vs state
-1.20Rate spread (pts)-1.59 pts vs state
$82kMedian applicant income
77Loans originated
30Denied
Trend in Ohio
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 155 | 100 | 18.1% | 5.47% | #248 |
| 2024 | 152 | 87 | 23.0% | 6.00% | #256 |
| 2025 | 126 | 77 | 23.8% | 6.00% | #297 |
What Bayer Heritage Credit Union lends in Ohio
By loan purpose
By loan type
Why it denied Ohio applicants
Where in Ohio
Counties with the most Bayer Heritage Credit Union applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Belmont County | 44 | 23 | 13 | 29.5% |
| Muskingum County | 33 | 20 | 7 | 21.2% |
| Monroe County | 26 | 17 | 6 | 23.1% |
| Jefferson County | 7 | 4 | 2 | 28.6% |
| Washington County | 5 | 4 | 1 | 20.0% |
| Licking County | 3 | 3 | 0 | 0.0% |
| Harrison County | 2 | 1 | 1 | 50.0% |
| Delaware County | 1 | 1 | 0 | 0.0% |
| Guernsey County | 1 | 1 | 0 | 0.0% |
| Warren County | 1 | 0 | 0 | 0.0% |
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: 126 applications in 2025, of which 77 were originated and 30 denied.
23.8% of all applications, or 28.0% of the applications it actually decided on. The Ohio statewide average across all lenders was 17.7%.
The median rate on loans Bayer Heritage Credit Union originated in Ohio in 2025 was 6.00%, against a statewide median of 6.88%.
About this data. Figures are Bayer Heritage 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