Navy Federal Credit Union in Ohio vs the state
19.6%Denial rate+1.92 pts vs state
28.9%Decision denial rate+7.03 pts vs state
47.4%Origination rate-12.55 pts vs state
7.00%Median rate+0.13 pts vs state
0.34Rate spread (pts)-0.05 pts vs state
$106kMedian applicant income
1,830Loans originated
758Denied
Trend in Ohio
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 3,170 | 1,377 | 27.5% | 7.25% | #27 |
| 2024 | 3,563 | 1,644 | 22.5% | 7.25% | #25 |
| 2025 | 3,865 | 1,830 | 19.6% | 7.00% | #28 |
What Navy Federal Credit Union lends in Ohio
By loan purpose
By loan type
Why it denied Ohio applicants
Where in Ohio
Counties with the most Navy Federal Credit Union applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Cuyahoga County | 602 | 236 | 163 | 27.1% |
| Franklin County | 360 | 180 | 64 | 17.8% |
| Montgomery County | 243 | 138 | 38 | 15.6% |
| Hamilton County | 193 | 90 | 39 | 20.2% |
| Summit County | 191 | 81 | 43 | 22.5% |
| Lucas County | 141 | 58 | 29 | 20.6% |
| Lorain County | 128 | 69 | 21 | 16.4% |
| Warren County | 114 | 53 | 12 | 10.5% |
| Stark County | 103 | 47 | 21 | 20.4% |
| Lake County | 97 | 51 | 25 | 25.8% |
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: 3,865 applications in 2025, of which 1,830 were originated and 758 denied.
19.6% of all applications, or 28.9% of the applications it actually decided on. The Ohio statewide average across all lenders was 17.7%.
The median rate on loans Navy Federal Credit Union originated in Ohio in 2025 was 7.00%, against a statewide median of 6.88%.
About this data. Figures are Navy 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