Wright-Patt Credit Union in Ohio vs the state
28.1%Denial rate+10.41 pts vs state
29.9%Decision denial rate+7.96 pts vs state
59.2%Origination rate-0.67 pts vs state
7.50%Median rate+0.63 pts vs state
0.24Rate spread (pts)-0.15 pts vs state
$96kMedian applicant income
5,207Loans originated
2,470Denied
Trend in Ohio
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 7,804 | 4,505 | 29.8% | 8.25% | #10 |
| 2024 | 8,143 | 5,250 | 23.7% | 8.50% | #9 |
| 2025 | 8,791 | 5,207 | 28.1% | 7.50% | #8 |
What Wright-Patt Credit Union lends in Ohio
By loan purpose
By loan type
Why it denied Ohio applicants
Where in Ohio
Counties with the most Wright-Patt Credit Union applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Montgomery County | 2,818 | 1,684 | 790 | 28.0% |
| Greene County | 1,099 | 741 | 234 | 21.3% |
| Franklin County | 944 | 496 | 292 | 30.9% |
| Clark County | 737 | 412 | 243 | 33.0% |
| Miami County | 626 | 384 | 163 | 26.0% |
| Warren County | 485 | 320 | 118 | 24.3% |
| Hamilton County | 300 | 140 | 113 | 37.7% |
| Delaware County | 203 | 118 | 44 | 21.7% |
| Butler County | 203 | 116 | 64 | 31.5% |
| Champaign County | 192 | 108 | 63 | 32.8% |
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% |
| U.S. Bank | D | 8,623 | 38.0% | 7.60% |
| Citizens Bank | C | 7,775 | 24.3% | 7.65% |
| Union Home Mortgage | B | 7,114 | 4.6% | 6.75% |
Frequently asked questions
Ohio: 8,791 applications in 2025, of which 5,207 were originated and 2,470 denied.
28.1% of all applications, or 29.9% of the applications it actually decided on. The Ohio statewide average across all lenders was 17.7%.
The median rate on loans Wright-Patt Credit Union originated in Ohio in 2025 was 7.50%, against a statewide median of 6.88%.
About this data. Figures are Wright-Patt 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