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Aurgroup Financial Credit Union

Fairfield, OH

Aurgroup Financial Credit Union processed 195 mortgage applications in 2024 per HMDA data reported to the Consumer Financial Protection Bureau (CFPB), originating 167 loans with a 3.1% denial rate. Other was the primary loan purpose. Based in Fairfield, OH. The approval rate of 85.6% reflects originated loans as a share of all applications.

Why approval and denial rates diverge. Approval (origination) rate and denial rate do not sum to 100% - HMDA records several outcomes beyond approved-and-funded, including files that were approved but not accepted by the applicant, withdrawn, or closed for incompleteness. Aurgroup Financial Credit Union's 85.6% origination rate tells you how often an application turned into funded money; the 3.1% denial rate is a separate read on underwriting strictness. The most frequently cited denial reasons in this file were Other, Debt-to-income ratio, Credit history, which together explain the majority of rejections. Most activity concentrated in Conventional loans (191 applications).

How to read this page. These figures are aggregate HMDA disclosures, they describe this lender's overall 2024 book, not your individual odds. Approval and denial rates are shaped by the applicant mix a lender actually receives: credit profile, loan-to-value, debt-to-income, property type, and geography. A lower denial rate at one lender versus another does not necessarily mean easier underwriting, it often reflects borrower self-selection and loan-product specialization. This page is informational data reporting, not financial, legal, or mortgage advice. Compare multiple lenders, read your Loan Estimate carefully, and consult a licensed mortgage professional before applying. Data reflects 2024 disclosures published by the CFPB in 2025.

195
Applications
167
Originated
3.1%
Denial Rate
$87,462
Avg Loan Amount
Avg Interest Rate: 7.269% Avg Applicant Income: $31,000

Lending Activity

Type Applications Originated Denied Avg Loan
Conventional 191 167 5 $84,634
FHA 4 0 1 $222,500

Source: CFPB Home Mortgage Disclosure Act (HMDA) loan/application register HMDA 2024 LAR, application-level mortgage data for Aurgroup Financial Credit Union (LEI: 549300KCWMM5PJHWO653) · 2024 HMDA reports filed annually; covers applications received during the calendar year. Approval rates exclude withdrawn / incomplete applications. Denial reasons are lender-reported.

Denial Analysis

Other
4
Debt-to-income ratio
3
Credit history
1

Loan Purpose Breakdown

Purpose Applications Originated Avg Loan
Other 80 75 $60,500
Home Improvement 70 61 $44,429
Home Purchase 30 25 $233,333
Cash-out Refinancing 13 5 $149,615
Refinancing 2 1 $80,000

Geographic Coverage — Lending by Race

Derived race categories as reported under HMDA. Source: CFPB.

Race Applications Approval Rate Denial Rate
White 177 86.4% 2.8%
Black or African American * 11 81.8% 9.1%
Joint * 3 66.7% 0.0%
Asian * 1 100.0% 0.0%

* Fewer than 50 applications -- percentages for this group have wide statistical uncertainty and should not be read as precise.

Lending by Ethnicity

Hispanic/Latino is an ethnicity, not a race. Shown separately per U.S. Census Bureau standards.

Ethnicity Applications Approval Rate Denial Rate
Not Hispanic or Latino 191 86.4% 3.1%
Hispanic or Latino * 1 100.0% 0.0%

* Fewer than 50 applications -- percentages for this group have wide statistical uncertainty and should not be read as precise.

Nearby Lenders in OH

Other HMDA-reporting lenders in OH with similar activity. Compare any two side-by-side.

Us Bank, N.A.

CINCINNATI, OH

202,480 apps 74,512 originated 26.8% denied

Crosscountry Mortgage, LLC

Cleveland, OH

157,258 apps 101,894 originated 2.4% denied

JPMorgan Chase Bank, NA

Columbus, OH

150,113 apps 80,744 originated 8.1% denied

Huntington National Bank

Columbus, OH

99,675 apps 52,025 originated 28.8% denied

Fifth Third Bank, National Association

Cincinnati, OH

64,220 apps 30,494 originated 23.9% denied
Compare Aurgroup Financial Credit Union vs Us Bank, N.A. →

Mortgage Lending Guides

Frequently Asked Questions

How many mortgage applications did Aurgroup Financial Credit Union process?
Aurgroup Financial Credit Union processed 195 mortgage applications in the 2024 HMDA reporting year. Of these, 167 were originated (approved and funded), 19 were withdrawn by the applicant, and 6 were denied.
What is Aurgroup Financial Credit Union's mortgage approval rate?
Aurgroup Financial Credit Union has an approval (origination) rate of 85.6%, meaning 85.6% of all applications resulted in a funded mortgage. The denial rate is 3.1%.
What is the average loan amount at Aurgroup Financial Credit Union?
The average mortgage loan amount at Aurgroup Financial Credit Union is $87,462. The average interest rate is 7.269%. The average applicant income is $31,000.
What are the most common reasons for mortgage denial at Aurgroup Financial Credit Union?
The most common reasons for mortgage denial at Aurgroup Financial Credit Union are: Other, Debt-to-income ratio, Credit history. In total, 6 applications were denied out of 195 total applications.
What types of mortgage loans does Aurgroup Financial Credit Union offer?
Aurgroup Financial Credit Union processes Conventional, FHA loans. The most common type is Conventional with 191 applications and an average loan amount of $84,634.
What loan purposes does Aurgroup Financial Credit Union serve?
Aurgroup Financial Credit Union serves the following loan purposes: Other (80 applications), Home Improvement (70 applications), Home Purchase (30 applications), Cash-out Refinancing (13 applications), Refinancing (2 applications). Other is the most common purpose.
Where is Aurgroup Financial Credit Union located?
Aurgroup Financial Credit Union is headquartered in Fairfield, OH. The lender is identified by LEI 549300KCWMM5PJHWO653 in HMDA data.
How does Aurgroup Financial Credit Union compare in lending across racial demographics?
Aurgroup Financial Credit Union reports demographic lending data under HMDA requirements. White applicants have an approval rate of 86.4% and denial rate of 2.8%; Black or African American applicants have an approval rate of 81.8% and denial rate of 9.1%; Joint applicants have an approval rate of 66.7% and denial rate of 0.0%. This data reflects derived race categories as reported by applicants.

Data Sources

Data as of 2024. Source: Consumer Financial Protection Bureau (CFPB), Home Mortgage Disclosure Act (HMDA) 2024 Snapshot.

Data from FFIEC / CFPB HMDA 2024 Snapshot National Loan-Level Dataset. Demographic data reflects derived categories as reported by applicants. Denial rates include all application outcomes. This data is provided for informational purposes only.

Read our methodology - how this data is sourced, computed, and verified.

Every figure on PlainLender is rendered directly from CFPB HMDA federal source data, no number is typed in by an editor. This page draws directly on CFPB HMDA federal source data, no figure is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.