Ohio Catholic Federal Credit Union at a glance, 2025
Every figure is from the lender's own HMDA filing. "vs national" compares with all lenders combined.
How the C grade breaks down
Each component is a percentile rank among 412 home-equity (HELOC) lenders. Higher is better. Components the lender does not report are left out and the weights redistributed.
Approval oddsdecision denial rate, weight 45%
51st24.0% deniedPricingmedian rate spread over APOR, weight 30%
12th0.84 ptsProcesswithdrawn + incomplete share, weight 15%
79th7.2%Closing coststotal loan costs ÷ loan amount, weight 10%
90th0.85% of loanTrend, 2023–2025
| Year | Applications | Originated | Denial rate | Decision denial | Median rate | Volume |
|---|---|---|---|---|---|---|
| 2023 | 321 | 190 | 20.9% | 24.5% | 8.25% | $18M |
| 2024 | 277 | 152 | 23.1% | 26.8% | 9.00% | $14M |
| 2025 | 224 | 140 | 22.3% | 24.0% | 7.50% | $15M |
What Ohio Catholic Federal Credit Union 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: 121 home-equity lines, 0 reverse mortgages, 0 manufactured homes, 1 investment properties.
Why Ohio Catholic Federal Credit Union denies applications
Primary reason reported for each of the 50 denials in 2025. Lenders can cite up to four reasons; this is the first one listed.
Who gets approved at Ohio Catholic Federal Credit Union
Decision denial rate by applicant profile. Groups with fewer than 20 applications are omitted.
| Applicant income | Applications | Originated | Decision denial rate |
|---|---|---|---|
| Under $50k | 40 | 14 | 52.8% |
| $50k – $100k | 66 | 42 | 22.0% |
| $100k – $150k | 60 | 41 | 15.8% |
| $150k – $250k | 38 | 28 | 13.9% |
| Over $250k | 20 | 15 | 20.0% |
| Applicant age | Applications | Originated | Decision denial rate |
|---|---|---|---|
| 35–44 | 37 | 21 | 25.0% |
| 45–54 | 46 | 32 | 26.1% |
| 55–64 | 59 | 39 | 15.1% |
| 65–74 | 51 | 32 | 26.1% |
| Over 74 | 20 | 9 | 35.3% |
Where Ohio Catholic Federal Credit Union lends
2 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 | 221 | 137 | 22.6% | 7.50% | #221 |
Frequently asked questions
Ohio Catholic Federal Credit Union denied 24.0% of the applications it decided on in 2025. The national figure across all lenders was 22.6%. On approval odds it ranks in the 51st percentile of home-equity (HELOC) lenders.
The most common reason Ohio Catholic Federal Credit Union gave in 2025 was "debt-to-income ratio", cited on 54.0% 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 Ohio Catholic Federal Credit Union originated in 2025 was 7.50%, and its median rate spread over the average prime offer rate was 0.84 points. Rates on this page are what borrowers actually got, not advertised rates.
In 2025, 8% of its applications were for home purchases, 86% for refinancing (including cash-out), and 7% 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.