Credit Union of Ohio at a glance, 2025
Every figure is from the lender's own HMDA filing. "vs national" compares with all lenders combined.
How the F 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%
2nd46.6% deniedPricingmedian rate spread over APOR, weight 30%
30th0.48 ptsProcesswithdrawn + incomplete share, weight 15%
8th27.5%Closing coststotal loan costs ÷ loan amount, weight 10%
0th11.99% of loanTrend, 2023–2025
| Year | Applications | Originated | Denial rate | Decision denial | Median rate | Volume |
|---|---|---|---|---|---|---|
| 2023 | 100 | 31 | 40.0% | 54.8% | 8.50% | $2.1M |
| 2024 | 169 | 62 | 37.3% | 47.4% | 8.75% | $4.4M |
| 2025 | 142 | 53 | 33.8% | 46.6% | 7.75% | $4.7M |
What Credit Union of Ohio 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: 0 home-equity lines, 0 reverse mortgages, 2 manufactured homes, 4 investment properties.
Why Credit Union of Ohio denies applications
Primary reason reported for each of the 48 denials in 2025. Lenders can cite up to four reasons; this is the first one listed.
Who gets approved at Credit Union of Ohio
Decision denial rate by applicant profile. Groups with fewer than 20 applications are omitted.
| Applicant income | Applications | Originated | Decision denial rate |
|---|---|---|---|
| $50k – $100k | 49 | 23 | 41.0% |
| $100k – $150k | 30 | 17 | 28.0% |
| Applicant age | Applications | Originated | Decision denial rate |
|---|---|---|---|
| 25–34 | 21 | 4 | 71.4% |
| 35–44 | 34 | 14 | 44.0% |
| 45–54 | 32 | 9 | 50.0% |
| 55–64 | 30 | 13 | 37.5% |
Where Credit Union of Ohio lends
3 states and 37 counties in 2025. Click a state for the lender's full record there.
| State | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| Ohio | 140 | 53 | 33.6% | 7.75% | #283 |
Frequently asked questions
Credit Union of Ohio denied 46.6% of the applications it decided on in 2025. The national figure across all lenders was 22.6%. On approval odds it ranks in the 2nd percentile of small mortgage lenders.
The most common reason Credit Union of Ohio gave in 2025 was "credit history", cited on 54.2% 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 Credit Union of Ohio originated in 2025 was 7.75%, and its median rate spread over the average prime offer rate was 0.48 points. Rates on this page are what borrowers actually got, not advertised rates.
In 2025, 20% of its applications were for home purchases, 11% for refinancing (including cash-out), and 70% for home improvement or other purposes. By loan type: 100% conventional, 0% 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.