CODE Credit Union in Ohio vs the state
26.4%Denial rate+8.67 pts vs state
32.6%Decision denial rate+10.69 pts vs state
52.7%Origination rate-7.17 pts vs state
7.74%Median rate+0.87 pts vs state
1.78Rate spread (pts)+1.39 pts vs state
$80kMedian applicant income
58Loans originated
29Denied
Trend in Ohio
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 143 | 106 | 9.1% | 7.24% | #257 |
| 2024 | 112 | 81 | 8.0% | 8.74% | #294 |
| 2025 | 110 | 58 | 26.4% | 7.74% | #316 |
What CODE Credit Union lends in Ohio
By loan purpose
By loan type
Why it denied Ohio applicants
Where in Ohio
Counties with the most CODE Credit Union applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Montgomery County | 88 | 44 | 22 | 25.0% |
| Greene County | 7 | 5 | 2 | 28.6% |
| Miami County | 5 | 4 | 1 | 20.0% |
| Warren County | 4 | 2 | 1 | 25.0% |
| Darke County | 3 | 2 | 1 | 33.3% |
| Clark County | 2 | 1 | 1 | 50.0% |
| Preble 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: 110 applications in 2025, of which 58 were originated and 29 denied.
26.4% of all applications, or 32.6% of the applications it actually decided on. The Ohio statewide average across all lenders was 17.7%.
The median rate on loans CODE Credit Union originated in Ohio in 2025 was 7.74%, against a statewide median of 6.88%.
About this data. Figures are CODE 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