CINFED Federal Credit Union in Ohio vs the state
9.9%Denial rate-7.79 pts vs state
13.4%Decision denial rate-8.54 pts vs state
62.0%Origination rate+2.08 pts vs state
7.00%Median rate+0.13 pts vs state
0.08Rate spread (pts)-0.31 pts vs state
$109kMedian applicant income
357Loans originated
57Denied
Trend in Ohio
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 426 | 278 | 16.2% | 7.25% | #129 |
| 2024 | 435 | 285 | 9.7% | 7.75% | #134 |
| 2025 | 576 | 357 | 9.9% | 7.00% | #122 |
What CINFED Federal Credit Union lends in Ohio
By loan purpose
By loan type
Why it denied Ohio applicants
Where in Ohio
Counties with the most CINFED Federal Credit Union applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Hamilton County | 393 | 276 | 36 | 9.2% |
| Clermont County | 41 | 27 | 5 | 12.2% |
| Butler County | 32 | 26 | 3 | 9.4% |
| Warren County | 17 | 14 | 1 | 5.9% |
| Brown County | 4 | 3 | 1 | 25.0% |
| Clinton County | 3 | 3 | 0 | 0.0% |
| Montgomery County | 1 | 1 | 0 | 0.0% |
| Adams County | 1 | 0 | 1 | 100.0% |
| Greene County | 1 | 1 | 0 | 0.0% |
| Scioto County | 1 | 1 | 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: 576 applications in 2025, of which 357 were originated and 57 denied.
9.9% of all applications, or 13.4% of the applications it actually decided on. The Ohio statewide average across all lenders was 17.7%.
The median rate on loans CINFED Federal Credit Union originated in Ohio in 2025 was 7.00%, against a statewide median of 6.88%.
About this data. Figures are CINFED Federal 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