Three Rivers Federal Credit Union in Ohio vs the state
18.8%Denial rate+1.13 pts vs state
21.2%Decision denial rate-0.70 pts vs state
66.5%Origination rate+6.57 pts vs state
7.25%Median rate+0.38 pts vs state
0.58Rate spread (pts)+0.19 pts vs state
$86kMedian applicant income
113Loans originated
32Denied
Trend in Ohio
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 126 | 74 | 25.4% | 8.25% | #274 |
| 2024 | 159 | 109 | 17.6% | 7.75% | #247 |
| 2025 | 170 | 113 | 18.8% | 7.25% | #260 |
What Three Rivers Federal Credit Union lends in Ohio
By loan purpose
By loan type
Why it denied Ohio applicants
Where in Ohio
Counties with the most Three Rivers Federal Credit Union applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Auglaize County | 65 | 47 | 13 | 20.0% |
| Paulding County | 23 | 14 | 2 | 8.7% |
| Van Wert County | 23 | 15 | 3 | 13.0% |
| Mercer County | 16 | 12 | 3 | 18.8% |
| Defiance County | 11 | 7 | 2 | 18.2% |
| Allen County | 4 | 3 | 1 | 25.0% |
| Lucas County | 3 | 2 | 1 | 33.3% |
| Williams County | 3 | 1 | 1 | 33.3% |
| Darke County | 3 | 1 | 1 | 33.3% |
| Shelby County | 2 | 1 | 1 | 50.0% |
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: 170 applications in 2025, of which 113 were originated and 32 denied.
18.8% of all applications, or 21.2% of the applications it actually decided on. The Ohio statewide average across all lenders was 17.7%.
The median rate on loans Three Rivers Federal Credit Union originated in Ohio in 2025 was 7.25%, against a statewide median of 6.88%.
About this data. Figures are Three Rivers 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