Directions Credit Union in Ohio vs the state
21.4%Denial rate+3.69 pts vs state
22.3%Decision denial rate+0.36 pts vs state
74.7%Origination rate+14.84 pts vs state
6.88%Median rate0.00 pts vs state
-0.20Rate spread (pts)-0.59 pts vs state
$86kMedian applicant income
713Loans originated
204Denied
Trend in Ohio
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 833 | 598 | 22.9% | 7.31% | #85 |
| 2024 | 781 | 573 | 23.2% | 7.50% | #92 |
| 2025 | 954 | 713 | 21.4% | 6.88% | #91 |
What Directions Credit Union lends in Ohio
By loan purpose
By loan type
Why it denied Ohio applicants
Where in Ohio
Counties with the most Directions Credit Union applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Lucas County | 482 | 385 | 86 | 17.8% |
| Richland County | 162 | 113 | 42 | 25.9% |
| Wood County | 107 | 85 | 16 | 15.0% |
| Ashland County | 54 | 37 | 14 | 25.9% |
| Wayne County | 34 | 25 | 8 | 23.5% |
| Huron County | 22 | 16 | 5 | 22.7% |
| Crawford County | 17 | 8 | 8 | 47.1% |
| Fulton County | 15 | 10 | 4 | 26.7% |
| Ottawa County | 13 | 9 | 2 | 15.4% |
| Tuscarawas County | 8 | 3 | 5 | 62.5% |
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: 954 applications in 2025, of which 713 were originated and 204 denied.
21.4% of all applications, or 22.3% of the applications it actually decided on. The Ohio statewide average across all lenders was 17.7%.
The median rate on loans Directions Credit Union originated in Ohio in 2025 was 6.88%, against a statewide median of 6.88%.
About this data. Figures are Directions 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