Bridge Credit Union at a glance, 2025
Every figure is from the lender's own HMDA filing. "vs national" compares with all lenders combined.
How the C grade breaks down
Each component is a percentile rank among 412 home-equity (HELOC) lenders. Higher is better. Components the lender does not report are left out and the weights redistributed.
Approval oddsdecision denial rate, weight 45%
66th19.1% deniedPricingmedian rate spread over APOR, weight 30%
2nd2.18 ptsProcesswithdrawn + incomplete share, weight 15%
95th2.3%Closing coststotal loan costs ÷ loan amount, weight 10%
29th4.00% of loanTrend, 2023–2025
| Year | Applications | Originated | Denial rate | Decision denial | Median rate | Volume |
|---|---|---|---|---|---|---|
| 2023 | 152 | 78 | 35.5% | 40.0% | 8.25% | $4.8M |
| 2024 | 114 | 74 | 22.8% | 25.7% | 8.75% | $5.1M |
| 2025 | 391 | 286 | 18.7% | 19.1% | 6.25% | $36M |
What Bridge Credit Union lends
Applications by purpose and loan type in 2025, with the denial rate for each. A lender's mix explains a lot of its headline rate: HELOCs and FHA loans are denied far more often than conventional purchase loans.
By loan purpose
By loan type
Also: 274 home-equity lines, 0 reverse mortgages, 1 manufactured homes, 0 investment properties.
Why Bridge Credit Union denies applications
Primary reason reported for each of the 73 denials in 2025. Lenders can cite up to four reasons; this is the first one listed.
Who gets approved at Bridge Credit Union
Decision denial rate by applicant profile. Groups with fewer than 20 applications are omitted.
| Applicant income | Applications | Originated | Decision denial rate |
|---|---|---|---|
| Under $50k | 56 | 24 | 51.8% |
| $50k – $100k | 152 | 115 | 12.8% |
| $100k – $150k | 105 | 86 | 13.6% |
| $150k – $250k | 54 | 45 | 9.6% |
| Applicant age | Applications | Originated | Decision denial rate |
|---|---|---|---|
| 25–34 | 47 | 37 | 15.6% |
| 35–44 | 84 | 58 | 20.5% |
| 45–54 | 85 | 64 | 15.9% |
| 55–64 | 95 | 74 | 17.9% |
| 65–74 | 60 | 38 | 27.6% |
Where Bridge Credit Union lends
1 states and 55 counties in 2025. Click a state for the lender's full record there.
| State | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| Ohio | 391 | 286 | 18.7% | 6.25% | #168 |
Frequently asked questions
Bridge Credit Union denied 19.1% of the applications it decided on in 2025. The national figure across all lenders was 22.6%. On approval odds it ranks in the 66th percentile of home-equity (HELOC) lenders.
The most common reason Bridge Credit Union gave in 2025 was "debt-to-income ratio", cited on 39.7% of its denials. Lenders report up to four reasons per denial to the CFPB; the full breakdown is on this page.
The median interest rate on loans Bridge Credit Union originated in 2025 was 6.25%, and its median rate spread over the average prime offer rate was 2.18 points. Rates on this page are what borrowers actually got, not advertised rates.
In 2025, 9% of its applications were for home purchases, 66% for refinancing (including cash-out), and 25% for home improvement or other purposes. By loan type: 100% conventional, 0% FHA, 0% VA.
Every figure on this page comes from the Home Mortgage Disclosure Act (HMDA) Loan/Application Register published by the CFPB, which lenders are required by federal law to file. We add the grade and the comparisons; we do not add facts.