UNIVERSITY Federal Credit Union in Ohio vs the state
8.3%Denial rate-9.36 pts vs state
10.0%Decision denial rate-11.89 pts vs state
75.0%Origination rate+15.10 pts vs state
6.63%Median rate-0.25 pts vs state
0.27Rate spread (pts)-0.12 pts vs state
$74kMedian applicant income
9Loans originated
1Denied
What UNIVERSITY Federal Credit Union lends in Ohio
By loan purpose
By loan type
Why it denied Ohio applicants
Where in Ohio
Counties with the most UNIVERSITY Federal Credit Union applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Summit County | 3 | 2 | 0 | 0.0% |
| Cuyahoga County | 2 | 2 | 0 | 0.0% |
| Trumbull County | 1 | 1 | 0 | 0.0% |
| Licking County | 1 | 1 | 0 | 0.0% |
| Vinton County | 1 | 1 | 0 | 0.0% |
| Franklin County | 1 | 1 | 0 | 0.0% |
| Hamilton County | 1 | 0 | 1 | 100.0% |
| Hocking County | 1 | 0 | 0 | 0.0% |
| Lake County | 1 | 1 | 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: 12 applications in 2025, of which 9 were originated and 1 denied.
8.3% of all applications, or 10.0% of the applications it actually decided on. The Ohio statewide average across all lenders was 17.7%.
The median rate on loans UNIVERSITY Federal Credit Union originated in Ohio in 2025 was 6.63%, against a statewide median of 6.88%.
About this data. Figures are UNIVERSITY 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