Cardinal Credit Union in Ohio vs the state
14.4%Denial rate-3.29 pts vs state
29.1%Decision denial rate+7.23 pts vs state
34.5%Origination rate-25.39 pts vs state
7.43%Median rate+0.55 pts vs state
1.03Rate spread (pts)+0.64 pts vs state
$83kMedian applicant income
127Loans originated
53Denied
Trend in Ohio
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 77 | 36 | 22.1% | 6.98% | #333 |
| 2024 | 89 | 38 | 22.5% | 6.94% | #320 |
| 2025 | 368 | 127 | 14.4% | 7.43% | #170 |
What Cardinal Credit Union lends in Ohio
By loan purpose
By loan type
Why it denied Ohio applicants
Where in Ohio
Counties with the most Cardinal Credit Union applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Lake County | 227 | 79 | 33 | 14.5% |
| Cuyahoga County | 60 | 18 | 10 | 16.7% |
| Ashtabula County | 32 | 15 | 3 | 9.4% |
| Mahoning County | 22 | 7 | 2 | 9.1% |
| Geauga County | 15 | 5 | 3 | 20.0% |
| Summit County | 5 | 1 | 1 | 20.0% |
| Lorain County | 2 | 1 | 0 | 0.0% |
| Columbiana County | 2 | 1 | 0 | 0.0% |
| Portage County | 2 | 0 | 0 | 0.0% |
| Trumbull 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: 368 applications in 2025, of which 127 were originated and 53 denied.
14.4% of all applications, or 29.1% of the applications it actually decided on. The Ohio statewide average across all lenders was 17.7%.
The median rate on loans Cardinal Credit Union originated in Ohio in 2025 was 7.43%, against a statewide median of 6.88%.
About this data. Figures are Cardinal 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