Pathways Financial Credit Union in Ohio vs the state
26.7%Denial rate+9.04 pts vs state
29.2%Decision denial rate+7.26 pts vs state
65.0%Origination rate+5.06 pts vs state
6.49%Median rate-0.38 pts vs state
-0.67Rate spread (pts)-1.06 pts vs state
$99kMedian applicant income
367Loans originated
151Denied
Trend in Ohio
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 269 | 155 | 24.5% | 6.50% | #175 |
| 2024 | 284 | 164 | 26.8% | 6.25% | #176 |
| 2025 | 565 | 367 | 26.7% | 6.49% | #123 |
What Pathways Financial Credit Union lends in Ohio
By loan purpose
By loan type
Why it denied Ohio applicants
Where in Ohio
Counties with the most Pathways Financial Credit Union applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Franklin County | 232 | 161 | 65 | 28.0% |
| Delaware County | 75 | 53 | 18 | 24.0% |
| Union County | 46 | 32 | 11 | 23.9% |
| Clark County | 20 | 13 | 7 | 35.0% |
| Montgomery County | 19 | 11 | 8 | 42.1% |
| Fairfield County | 18 | 15 | 2 | 11.1% |
| Licking County | 17 | 14 | 3 | 17.6% |
| Cuyahoga County | 14 | 11 | 2 | 14.3% |
| Greene County | 9 | 6 | 1 | 11.1% |
| Madison County | 9 | 6 | 2 | 22.2% |
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: 565 applications in 2025, of which 367 were originated and 151 denied.
26.7% of all applications, or 29.2% of the applications it actually decided on. The Ohio statewide average across all lenders was 17.7%.
The median rate on loans Pathways Financial Credit Union originated in Ohio in 2025 was 6.49%, against a statewide median of 6.88%.
About this data. Figures are Pathways Financial 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