Greenville Federal at a glance, 2025
Every figure is from the lender's own HMDA filing. "vs national" compares with all lenders combined.
How the B grade breaks down
Each component is a percentile rank among 1,883 small mortgage lenders. Higher is better. Components the lender does not report are left out and the weights redistributed.
Approval oddsdecision denial rate, weight 45%
57th8.2% deniedPricingmedian rate spread over APOR, weight 30%
69th0.13 ptsProcesswithdrawn + incomplete share, weight 15%
85th3.3%Closing coststotal loan costs ÷ loan amount, weight 10%
51st1.88% of loanTrend, 2023–2025
| Year | Applications | Originated | Denial rate | Decision denial | Median rate | Volume |
|---|---|---|---|---|---|---|
| 2023 | 116 | 79 | 11.2% | 11.3% | 6.71% | $17M |
| 2024 | 119 | 92 | 10.9% | 11.2% | 6.50% | $21M |
| 2025 | 152 | 128 | 7.9% | 8.2% | 6.38% | $28M |
What Greenville Federal lends
Applications by purpose and loan type in 2025, with the denial rate for each. A lender's mix explains a lot of its headline rate: HELOCs and FHA loans are denied far more often than conventional purchase loans.
By loan purpose
By loan type
Also: 0 home-equity lines, 0 reverse mortgages, 0 manufactured homes, 30 investment properties.
Why Greenville Federal denies applications
Primary reason reported for each of the 12 denials in 2025. Lenders can cite up to four reasons; this is the first one listed.
Who gets approved at Greenville Federal
Decision denial rate by applicant profile. Groups with fewer than 20 applications are omitted.
| Applicant income | Applications | Originated | Decision denial rate |
|---|---|---|---|
| $50k – $100k | 47 | 33 | 9.3% |
| $100k – $150k | 26 | 20 | 23.1% |
| $150k – $250k | 22 | 20 | 4.8% |
| Applicant age | Applications | Originated | Decision denial rate |
|---|---|---|---|
| 25–34 | 22 | 19 | 4.8% |
| 45–54 | 27 | 20 | 19.2% |
| 55–64 | 21 | 19 | 4.8% |
Where Greenville Federal lends
4 states and 15 counties in 2025. Click a state for the lender's full record there.
| State | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| Ohio | 147 | 123 | 8.2% | 6.38% | #275 |
Frequently asked questions
Greenville Federal denied 8.2% of the applications it decided on in 2025. The national figure across all lenders was 22.6%. On approval odds it ranks in the 57th percentile of small mortgage lenders.
The most common reason Greenville Federal gave in 2025 was "debt-to-income ratio", cited on 66.7% of its denials. Lenders report up to four reasons per denial to the CFPB; the full breakdown is on this page.
The median interest rate on loans Greenville Federal originated in 2025 was 6.38%, and its median rate spread over the average prime offer rate was 0.13 points. Rates on this page are what borrowers actually got, not advertised rates.
In 2025, 64% of its applications were for home purchases, 24% for refinancing (including cash-out), and 13% for home improvement or other purposes. By loan type: 100% conventional, 0% FHA, 0% VA.
Every figure on this page comes from the Home Mortgage Disclosure Act (HMDA) Loan/Application Register published by the CFPB, which lenders are required by federal law to file. We add the grade and the comparisons; we do not add facts.