United Federal Credit Union in Ohio vs the state
22.5%Denial rate+4.83 pts vs state
25.3%Decision denial rate+3.43 pts vs state
62.2%Origination rate+2.31 pts vs state
7.00%Median rate+0.13 pts vs state
0.54Rate spread (pts)+0.16 pts vs state
$76kMedian applicant income
163Loans originated
59Denied
Trend in Ohio
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 234 | 132 | 31.2% | 7.60% | #197 |
| 2024 | 229 | 164 | 21.0% | 8.08% | #203 |
| 2025 | 262 | 163 | 22.5% | 7.00% | #200 |
What United Federal Credit Union lends in Ohio
By loan purpose
By loan type
Why it denied Ohio applicants
Where in Ohio
Counties with the most United Federal Credit Union applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Marion County | 195 | 119 | 45 | 23.1% |
| Morrow County | 15 | 11 | 0 | 0.0% |
| Crawford County | 12 | 10 | 1 | 8.3% |
| Wyandot County | 5 | 3 | 1 | 20.0% |
| Union County | 5 | 4 | 1 | 20.0% |
| Franklin County | 4 | 3 | 1 | 25.0% |
| Mahoning County | 2 | 0 | 2 | 100.0% |
| Hardin County | 2 | 2 | 0 | 0.0% |
| Lucas County | 2 | 0 | 2 | 100.0% |
| Cuyahoga County | 2 | 0 | 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: 262 applications in 2025, of which 163 were originated and 59 denied.
22.5% of all applications, or 25.3% of the applications it actually decided on. The Ohio statewide average across all lenders was 17.7%.
The median rate on loans United Federal Credit Union originated in Ohio in 2025 was 7.00%, against a statewide median of 6.88%.
About this data. Figures are United 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