Towpath Credit Union in Ohio vs the state
10.1%Denial rate-7.64 pts vs state
14.6%Decision denial rate-7.25 pts vs state
58.1%Origination rate-1.81 pts vs state
7.25%Median rate+0.38 pts vs state
0.02Rate spread (pts)-0.37 pts vs state
$83kMedian applicant income
237Loans originated
41Denied
Trend in Ohio
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 344 | 160 | 31.4% | 8.25% | #144 |
| 2024 | 343 | 161 | 17.2% | 8.50% | #154 |
| 2025 | 408 | 237 | 10.1% | 7.25% | #162 |
What Towpath Credit Union lends in Ohio
By loan purpose
By loan type
Why it denied Ohio applicants
Where in Ohio
Counties with the most Towpath Credit Union applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Summit County | 340 | 201 | 32 | 9.4% |
| Cuyahoga County | 15 | 7 | 2 | 13.3% |
| Stark County | 15 | 9 | 1 | 6.7% |
| Portage County | 15 | 10 | 2 | 13.3% |
| Medina County | 11 | 4 | 4 | 36.4% |
| Wayne County | 5 | 3 | 0 | 0.0% |
| Lorain County | 2 | 1 | 0 | 0.0% |
| Richland County | 2 | 1 | 0 | 0.0% |
| Geauga County | 1 | 1 | 0 | 0.0% |
| Trumbull County | 1 | 0 | 0 | 0.0% |
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: 408 applications in 2025, of which 237 were originated and 41 denied.
10.1% of all applications, or 14.6% of the applications it actually decided on. The Ohio statewide average across all lenders was 17.7%.
The median rate on loans Towpath Credit Union originated in Ohio in 2025 was 7.25%, against a statewide median of 6.88%.
About this data. Figures are Towpath 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