MICHIGAN STATE UNIVERSITY Federal Credit Union in Ohio vs the state
9.4%Denial rate-8.31 pts vs state
10.7%Decision denial rate-11.18 pts vs state
71.9%Origination rate+11.98 pts vs state
7.00%Median rate+0.13 pts vs state
0.22Rate spread (pts)-0.17 pts vs state
$126kMedian applicant income
23Loans originated
3Denied
Trend in Ohio
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 10 | 5 | 10.0% | 6.88% | #603 |
| 2024 | 17 | 8 | 17.7% | 6.88% | #538 |
| 2025 | 32 | 23 | 9.4% | 7.00% | #460 |
What MICHIGAN STATE UNIVERSITY Federal Credit Union lends in Ohio
By loan purpose
By loan type
Why it denied Ohio applicants
Where in Ohio
Counties with the most MICHIGAN STATE UNIVERSITY Federal Credit Union applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Franklin County | 6 | 5 | 0 | 0.0% |
| Lucas County | 5 | 4 | 1 | 20.0% |
| Mahoning County | 2 | 2 | 0 | 0.0% |
| Delaware County | 2 | 2 | 0 | 0.0% |
| Lorain County | 2 | 2 | 0 | 0.0% |
| Wood County | 2 | 2 | 0 | 0.0% |
| Defiance County | 1 | 1 | 0 | 0.0% |
| Warren County | 1 | 1 | 0 | 0.0% |
| Summit County | 1 | 1 | 0 | 0.0% |
| Hamilton 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: 32 applications in 2025, of which 23 were originated and 3 denied.
9.4% of all applications, or 10.7% of the applications it actually decided on. The Ohio statewide average across all lenders was 17.7%.
The median rate on loans MICHIGAN STATE UNIVERSITY Federal Credit Union originated in Ohio in 2025 was 7.00%, against a statewide median of 6.88%.
About this data. Figures are MICHIGAN STATE UNIVERSITY 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