Education First Credit Union in Ohio vs the state
3.8%Denial rate-13.94 pts vs state
4.6%Decision denial rate-17.31 pts vs state
75.0%Origination rate+15.10 pts vs state
7.50%Median rate+0.63 pts vs state
1.01Rate spread (pts)+0.62 pts vs state
$104kMedian applicant income
120Loans originated
6Denied
Trend in Ohio
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 142 | 101 | 9.2% | 8.30% | #258 |
| 2024 | 158 | 115 | 4.4% | 8.50% | #248 |
| 2025 | 160 | 120 | 3.8% | 7.50% | #266 |
What Education First Credit Union lends in Ohio
By loan purpose
By loan type
Why it denied Ohio applicants
Where in Ohio
Counties with the most Education First Credit Union applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Franklin County | 128 | 93 | 4 | 3.1% |
| Fairfield County | 8 | 7 | 1 | 12.5% |
| Delaware County | 6 | 4 | 0 | 0.0% |
| Madison County | 4 | 3 | 1 | 25.0% |
| Union County | 3 | 3 | 0 | 0.0% |
| Licking County | 3 | 3 | 0 | 0.0% |
| Wyandot County | 1 | 1 | 0 | 0.0% |
| Knox County | 1 | 1 | 0 | 0.0% |
| Summit County | 1 | 1 | 0 | 0.0% |
| Richland County | 1 | 0 | 0 | 0.0% |
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: 160 applications in 2025, of which 120 were originated and 6 denied.
3.8% of all applications, or 4.6% of the applications it actually decided on. The Ohio statewide average across all lenders was 17.7%.
The median rate on loans Education First Credit Union originated in Ohio in 2025 was 7.50%, against a statewide median of 6.88%.
About this data. Figures are Education First 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