Everence Federal Credit Union in Ohio vs the state
28.9%Denial rate+11.20 pts vs state
31.7%Decision denial rate+9.82 pts vs state
60.0%Origination rate+0.10 pts vs state
5.49%Median rate-1.38 pts vs state
0.62Rate spread (pts)+0.23 pts vs state
$82kMedian applicant income
27Loans originated
13Denied
Trend in Ohio
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 34 | 22 | 20.6% | 3.49% | #451 |
| 2024 | 37 | 24 | 29.7% | 5.49% | #437 |
| 2025 | 45 | 27 | 28.9% | 5.49% | #422 |
What Everence Federal Credit Union lends in Ohio
By loan purpose
By loan type
Why it denied Ohio applicants
Where in Ohio
Counties with the most Everence Federal Credit Union applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Wayne County | 26 | 17 | 6 | 23.1% |
| Stark County | 5 | 3 | 2 | 40.0% |
| Allen County | 3 | 2 | 0 | 0.0% |
| Marion County | 1 | 0 | 1 | 100.0% |
| Ashland County | 1 | 1 | 0 | 0.0% |
| Franklin County | 1 | 0 | 1 | 100.0% |
| Cuyahoga County | 1 | 1 | 0 | 0.0% |
| Highland County | 1 | 0 | 1 | 100.0% |
| Guernsey County | 1 | 1 | 0 | 0.0% |
| Summit 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: 45 applications in 2025, of which 27 were originated and 13 denied.
28.9% of all applications, or 31.7% of the applications it actually decided on. The Ohio statewide average across all lenders was 17.7%.
The median rate on loans Everence Federal Credit Union originated in Ohio in 2025 was 5.49%, against a statewide median of 6.88%.
About this data. Figures are Everence 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