Elements Financial Federal Credit Union in Ohio vs the state
10.0%Denial rate-7.69 pts vs state
16.7%Decision denial rate-5.22 pts vs state
50.0%Origination rate-9.90 pts vs state
5.88%Median rate-1.00 pts vs state
-0.14Rate spread (pts)-0.53 pts vs state
$167kMedian applicant income
5Loans originated
1Denied
Trend in Ohio
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 28 | 18 | 28.6% | 6.13% | #478 |
| 2024 | 16 | 11 | 12.5% | 4.99% | #548 |
| 2025 | 10 | 5 | 10.0% | 5.88% | #612 |
What Elements Financial Federal Credit Union lends in Ohio
By loan purpose
By loan type
Why it denied Ohio applicants
Where in Ohio
Counties with the most Elements Financial Federal Credit Union applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Franklin County | 5 | 1 | 0 | 0.0% |
| Clermont County | 2 | 2 | 0 | 0.0% |
| Cuyahoga County | 1 | 1 | 0 | 0.0% |
| Warren County | 1 | 0 | 1 | 100.0% |
| Stark County | 1 | 1 | 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: 10 applications in 2025, of which 5 were originated and 1 denied.
10.0% of all applications, or 16.7% of the applications it actually decided on. The Ohio statewide average across all lenders was 17.7%.
The median rate on loans Elements Financial Federal Credit Union originated in Ohio in 2025 was 5.88%, against a statewide median of 6.88%.
About this data. Figures are Elements Financial 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