Credit Human Federal Credit Union in Ohio vs the state
82.1%Denial rate+64.37 pts vs state
82.4%Decision denial rate+60.51 pts vs state
6.6%Origination rate-53.30 pts vs state
8.40%Median rate+1.53 pts vs state
2.62Rate spread (pts)+2.23 pts vs state
$61kMedian applicant income
32Loans originated
398Denied
Trend in Ohio
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 416 | 42 | 78.1% | 8.00% | #133 |
| 2024 | 551 | 33 | 83.9% | 8.60% | #115 |
| 2025 | 485 | 32 | 82.1% | 8.40% | #141 |
What Credit Human Federal Credit Union lends in Ohio
By loan purpose
By loan type
Why it denied Ohio applicants
Where in Ohio
Counties with the most Credit Human Federal Credit Union applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Lawrence County | 44 | 2 | 39 | 88.6% |
| Licking County | 34 | 1 | 28 | 82.4% |
| Muskingum County | 28 | 1 | 25 | 89.3% |
| Scioto County | 27 | 0 | 24 | 88.9% |
| Gallia County | 26 | 1 | 25 | 96.2% |
| Washington County | 24 | 0 | 23 | 95.8% |
| Cuyahoga County | 20 | 5 | 11 | 55.0% |
| Franklin County | 18 | 5 | 12 | 66.7% |
| Jackson County | 18 | 0 | 17 | 94.4% |
| Coshocton County | 14 | 0 | 12 | 85.7% |
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: 485 applications in 2025, of which 32 were originated and 398 denied.
82.1% of all applications, or 82.4% of the applications it actually decided on. The Ohio statewide average across all lenders was 17.7%.
The median rate on loans Credit Human Federal Credit Union originated in Ohio in 2025 was 8.40%, against a statewide median of 6.88%.
About this data. Figures are Credit Human 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