Pathways Financial 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 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%
8th29.5% deniedPricingmedian rate spread over APOR, weight 30%
98th-0.67 ptsProcesswithdrawn + incomplete share, weight 15%
66th8.2%Closing coststotal loan costs ÷ loan amount, weight 10%
19th3.00% of loanTrend, 2023–2025
| Year | Applications | Originated | Denial rate | Decision denial | Median rate | Volume |
|---|---|---|---|---|---|---|
| 2023 | 287 | 165 | 24.4% | 29.7% | 6.50% | $27M |
| 2024 | 299 | 173 | 26.4% | 31.4% | 6.25% | $36M |
| 2025 | 584 | 378 | 27.1% | 29.5% | 6.49% | $63M |
What Pathways Financial 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: 265 home-equity lines, 0 reverse mortgages, 8 manufactured homes, 8 investment properties.
Why Pathways Financial Credit Union denies applications
Primary reason reported for each of the 158 denials in 2025. Lenders can cite up to four reasons; this is the first one listed.
Who gets approved at Pathways Financial 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 | 77 | 33 | 52.2% |
| $50k – $100k | 217 | 142 | 29.0% |
| $100k – $150k | 146 | 92 | 29.8% |
| $150k – $250k | 106 | 83 | 17.0% |
| Over $250k | 35 | 27 | 18.2% |
| Applicant age | Applications | Originated | Decision denial rate |
|---|---|---|---|
| 25–34 | 55 | 39 | 22.0% |
| 35–44 | 125 | 93 | 23.1% |
| 45–54 | 113 | 79 | 27.5% |
| 55–64 | 108 | 81 | 22.9% |
| 65–74 | 67 | 52 | 21.2% |
| Over 74 | 40 | 30 | 23.1% |
Where Pathways Financial Credit Union lends
6 states and 44 counties in 2025. Click a state for the lender's full record there.
Frequently asked questions
Pathways Financial Credit Union denied 29.5% of the applications it decided on in 2025. The national figure across all lenders was 22.6%. On approval odds it ranks in the 8th percentile of small mortgage lenders.
The most common reason Pathways Financial Credit Union gave in 2025 was "debt-to-income ratio", cited on 40.5% 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 Pathways Financial Credit Union originated in 2025 was 6.49%, and its median rate spread over the average prime offer rate was -0.67 points. Rates on this page are what borrowers actually got, not advertised rates.
In 2025, 26% of its applications were for home purchases, 29% for refinancing (including cash-out), and 45% 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.