OnPath 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 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%
54th8.8% deniedPricingmedian rate spread over APOR, weight 30%
70th0.11 ptsProcesswithdrawn + incomplete share, weight 15%
92nd1.3%Closing coststotal loan costs ÷ loan amount, weight 10%
37th2.26% of loanTrend, 2023–2025
| Year | Applications | Originated | Denial rate | Decision denial | Median rate | Volume |
|---|---|---|---|---|---|---|
| 2023 | 129 | 55 | 20.2% | 32.1% | 8.49% | $14M |
| 2024 | 231 | 179 | 6.9% | 8.1% | 6.56% | $37M |
| 2025 | 449 | 404 | 8.7% | 8.8% | 6.50% | $156M |
What OnPath 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: 0 home-equity lines, 0 reverse mortgages, 0 manufactured homes, 32 investment properties.
Why OnPath Federal Credit Union denies applications
Primary reason reported for each of the 39 denials in 2025. Lenders can cite up to four reasons; this is the first one listed.
Who gets approved at OnPath 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 | 32 | 24 | 22.6% |
| $50k – $100k | 104 | 87 | 14.7% |
| $100k – $150k | 67 | 58 | 12.1% |
| $150k – $250k | 92 | 85 | 6.6% |
| Over $250k | 132 | 129 | 1.5% |
| Applicant age | Applications | Originated | Decision denial rate |
|---|---|---|---|
| 25–34 | 91 | 85 | 4.5% |
| 35–44 | 124 | 113 | 6.6% |
| 45–54 | 95 | 84 | 10.6% |
| 55–64 | 69 | 60 | 13.0% |
| 65–74 | 30 | 24 | 20.0% |
Where OnPath Federal Credit Union lends
10 states and 44 counties in 2025. Click a state for the lender's full record there.
| State | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| Louisiana | 416 | 374 | 9.1% | 6.60% | #66 |
| Florida | 11 | 10 | 0.0% | 6.25% | #900 |
| Mississippi | 7 | 6 | 14.3% | 6.75% | #314 |
Frequently asked questions
OnPath Federal Credit Union denied 8.8% of the applications it decided on in 2025. The national figure across all lenders was 22.6%. On approval odds it ranks in the 54th percentile of small mortgage lenders.
The most common reason OnPath Federal Credit Union gave in 2025 was "credit history", cited on 55.6% 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 OnPath Federal Credit Union originated in 2025 was 6.50%, and its median rate spread over the average prime offer rate was 0.11 points. Rates on this page are what borrowers actually got, not advertised rates.
In 2025, 49% of its applications were for home purchases, 16% for refinancing (including cash-out), and 35% 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.