CME Federal 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 1,883 small mortgage lenders. Higher is better. Components the lender does not report are left out and the weights redistributed.
Approval oddsdecision denial rate, weight 45%
9th28.6% deniedPricingmedian rate spread over APOR, weight 30%
51st0.26 ptsProcesswithdrawn + incomplete share, weight 15%
91st1.6%Closing coststotal loan costs ÷ loan amount, weight 10%
20th2.95% of loanTrend, 2023–2025
| Year | Applications | Originated | Denial rate | Decision denial | Median rate | Volume |
|---|---|---|---|---|---|---|
| 2023 | 312 | 195 | 25.6% | 27.5% | 5.95% | $36M |
| 2024 | 241 | 173 | 20.8% | 21.7% | 7.25% | $25M |
| 2025 | 245 | 171 | 28.2% | 28.6% | 6.25% | $31M |
What CME Federal 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: 3 home-equity lines, 0 reverse mortgages, 1 manufactured homes, 6 investment properties.
Why CME Federal Credit Union denies applications
Primary reason reported for each of the 69 denials in 2025. Lenders can cite up to four reasons; this is the first one listed.
Who gets approved at CME Federal 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 | 23 | 8 | 65.2% |
| $50k – $100k | 96 | 67 | 28.4% |
| $100k – $150k | 72 | 55 | 21.4% |
| $150k – $250k | 44 | 34 | 20.9% |
| Applicant age | Applications | Originated | Decision denial rate |
|---|---|---|---|
| 25–34 | 32 | 21 | 34.4% |
| 35–44 | 34 | 21 | 36.4% |
| 45–54 | 60 | 42 | 27.1% |
| 55–64 | 74 | 52 | 28.8% |
| 65–74 | 29 | 23 | 17.9% |
Where CME Federal Credit Union lends
1 states and 20 counties in 2025. Click a state for the lender's full record there.
| State | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| Ohio | 245 | 171 | 28.2% | 6.25% | #212 |
Frequently asked questions
CME Federal Credit Union denied 28.6% of the applications it decided on in 2025. The national figure across all lenders was 22.6%. On approval odds it ranks in the 9th percentile of small mortgage lenders.
The most common reason CME Federal Credit Union gave in 2025 was "incomplete application", cited on 42.0% 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 CME Federal Credit Union originated in 2025 was 6.25%, and its median rate spread over the average prime offer rate was 0.26 points. Rates on this page are what borrowers actually got, not advertised rates.
In 2025, 24% of its applications were for home purchases, 22% for refinancing (including cash-out), and 54% for home improvement or other purposes. By loan type: 98% conventional, 2% 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.