FREMONT Federal Credit Union in Ohio vs the state
3.7%Denial rate-14.01 pts vs state
3.9%Decision denial rate-17.98 pts vs state
90.5%Origination rate+30.60 pts vs state
7.25%Median rate+0.38 pts vs state
0.27Rate spread (pts)-0.12 pts vs state
$75kMedian applicant income
467Loans originated
19Denied
Trend in Ohio
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 201 | 187 | 2.0% | — | #221 |
| 2024 | 203 | 191 | 1.0% | 6.50% | #217 |
| 2025 | 516 | 467 | 3.7% | 7.25% | #132 |
What FREMONT Federal Credit Union lends in Ohio
By loan purpose
By loan type
Why it denied Ohio applicants
Where in Ohio
Counties with the most FREMONT Federal Credit Union applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Sandusky County | 384 | 350 | 16 | 4.2% |
| Ottawa County | 38 | 38 | 0 | 0.0% |
| Wood County | 31 | 25 | 2 | 6.5% |
| Seneca County | 22 | 19 | 1 | 4.5% |
| Lucas County | 11 | 8 | 0 | 0.0% |
| Erie County | 11 | 11 | 0 | 0.0% |
| Huron County | 7 | 6 | 0 | 0.0% |
| Lorain County | 3 | 2 | 0 | 0.0% |
| Hancock County | 2 | 2 | 0 | 0.0% |
| Franklin 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: 516 applications in 2025, of which 467 were originated and 19 denied.
3.7% of all applications, or 3.9% of the applications it actually decided on. The Ohio statewide average across all lenders was 17.7%.
The median rate on loans FREMONT Federal Credit Union originated in Ohio in 2025 was 7.25%, against a statewide median of 6.88%.
About this data. Figures are FREMONT 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