LEI 549300ZA8T2KGQF6JK55 · Columbus, OH
Education First Credit Union
Denial sits in the lower fleet tercile at 4.4% across 158 HMDA applications, fewer outright refusals than the bulk of the corpus.
Denial tercile vs fleet
Education First Credit Union posts a 4.4% denial rate, below the fleet's lower tercile (~5.61%) - across 158 applications with 115 originations. Leading cited denial reason: credit history. Volume rank is still not origination-share rank.
- n/a
- Below 1,000-app share board
- 72.8%
- Origination share
- 115
- Originated
- 4.4%
- Denial rate
According to the CFPB HMDA 2024 Snapshot. Origination share is originated divided by applications among reporters with 1,000+ applications. Denial share and origination share do not sum to 100% because HMDA also records withdrawals, incompletes, and purchased loans. See /methodology#corpus-placement. Informational reporting, not mortgage advice.
Reported application outcomes
158reported applications
Where Education First Credit Union sits by reported originations
2024 CFPB HMDA reporting lenders, bucketed by originated-loan count
115 45th percentile higher than 45% of 4,908 reporting lenders
Each bar is a 50,000-originated loans band. The dashed line and filled bar mark this lender. Hover, tap, or focus a bar for its count and population share.
Source CFPB Home Mortgage Disclosure Act loan/application register · 2024 reporting year
Loan types by applications · Education First Credit Union
Application volume by HMDA loan type in this lender's 2024 book.
Cited denial reasons · Education First Credit Union
Lender-reported HMDA denial-reason counts (top reasons shown).
Mid-volume reporter. Education First Credit Union's 72.8% origination rate and 4.4% denial rate sit on a mid-tercile originated book (115 funded; fleet band ~78-310). Approval and denial do not sum to 100% - HMDA also records withdrawals, incompletes, and purchased loans. Most-cited denial codes: Credit history, Collateral, Debt-to-income ratio. Program weight concentrates in Conventional (156 applications).
How to read Education First Credit Union. These figures are aggregate HMDA disclosures for this lender's 2024 book, not any one file. Rates reflect applicant mix (credit, LTV, DTI, geography) as much as underwriting posture. Informational data reporting, not financial, legal, or mortgage advice. Source vintage: CFPB HMDA 2024 Snapshot.
Lending activity by loan program · Education First Credit Union
Education First Credit Union filed most under Conventional. Applications, originations and denials are separate outcomes of the same filing, so the columns do not sum.
| Type | Applications | Originated | Denied | Avg Loan |
|---|---|---|---|---|
| Conventional | 156 | 115 | 5 | $79,872 |
| FHA | 2 | 0 | 2 | $175,000 |
Source: CFPB Home Mortgage Disclosure Act (HMDA) loan/application register HMDA 2024 LAR, application-level mortgage data for Education First Credit Union (LEI: 549300ZA8T2KGQF6JK55) · 2024 HMDA reports filed annually; covers applications received during the calendar year. Approval rates exclude withdrawn / incomplete applications. Denial reasons are lender-reported.
Why borrowers applied
Purchase, refinance and cash-out are reported as distinct purposes; average loan size usually separates them more sharply than volume does.
| Purpose | Applications | Originated | Avg Loan |
|---|---|---|---|
| Home Improvement | 67 | 56 | $60,224 |
| Refinancing | 28 | 22 | $90,714 |
| Other | 21 | 20 | $71,667 |
| Home Purchase | 10 | 6 | $189,000 |
| Cash-out Refinancing | 6 | 4 | $195,000 |
Reported outcomes by applicant race
CFPB derived race categories. HMDA carries no credit score, debt-to-income ratio or down payment, so a gap between these rows is an outcome difference and never, on its own, evidence of discrimination.
| Race | Applications | Approval Rate | Denial Rate |
|---|---|---|---|
| Black or African American | 80 | 66.3% | 3.8% |
| White | 65 | 81.5% | 3.1% |
| Joint * | 4 | 100.0% | 0.0% |
| Asian * | 1 | 0.0% | 0.0% |
* Fewer than 50 applications -- percentages for this group have wide statistical uncertainty and should not be read as precise.
Reported outcomes by applicant ethnicity
Hispanic or Latino is an ethnicity, not a race, and is reported separately per U.S. Census Bureau standards. The same limitation applies: HMDA records the outcome, not the underwriting inputs behind it.
| Ethnicity | Applications | Approval Rate | Denial Rate |
|---|---|---|---|
| Not Hispanic or Latino | 104 | 79.8% | 1.9% |
| Joint * | 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.
One of 184 other HMDA-reporting lenders in OH, 5 are shown here.
Us Bank, N.A.
CINCINNATI, OH
Crosscountry Mortgage, LLC
Cleveland, OH
JPMorgan Chase Bank, NA
Columbus, OH
Huntington National Bank
Columbus, OH
Fifth Third Bank, National Association
Cincinnati, OH
Read with Education First Credit Union
Source: Consumer Financial Protection Bureau (CFPB), Home Mortgage Disclosure Act (HMDA) 2024 for Education First Credit Union (LEI 549300ZA8T2KGQF6JK55).
Data from FFIEC / CFPB HMDA Snapshot National Loan-Level Dataset (2024). Informational only, not mortgage advice for applicants at Education First Credit Union.
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 Education First Credit Union 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. Data current as of 2026-08-10. HMDA figures are lender-filed application outcomes for a published reporting year - not creditworthiness scores, rate quotes, Loan Estimates, underwriting decisions, or mortgage advice.