Vacationland Federal Credit Union in Ohio vs the state
19.1%Denial rate+1.36 pts vs state
26.7%Decision denial rate+4.78 pts vs state
50.0%Origination rate-9.90 pts vs state
6.88%Median rate0.00 pts vs state
0.43Rate spread (pts)+0.04 pts vs state
$69kMedian applicant income
21Loans originated
8Denied
Trend in Ohio
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2024 | 45 | 32 | 13.3% | 6.88% | #408 |
| 2025 | 42 | 21 | 19.1% | 6.88% | #430 |
What Vacationland Federal Credit Union lends in Ohio
By loan purpose
By loan type
Why it denied Ohio applicants
Where in Ohio
Counties with the most Vacationland Federal Credit Union applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Erie County | 24 | 10 | 7 | 29.2% |
| Huron County | 8 | 5 | 1 | 12.5% |
| Lorain County | 4 | 3 | 0 | 0.0% |
| Ottawa County | 3 | 1 | 0 | 0.0% |
| Seneca County | 2 | 2 | 0 | 0.0% |
| Hamilton 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: 42 applications in 2025, of which 21 were originated and 8 denied.
19.1% of all applications, or 26.7% of the applications it actually decided on. The Ohio statewide average across all lenders was 17.7%.
The median rate on loans Vacationland Federal Credit Union originated in Ohio in 2025 was 6.88%, against a statewide median of 6.88%.
About this data. Figures are Vacationland 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