Pathways Financial Credit Union, Inc. mortgage approval rate & lending review
Pathways Financial Credit Union, Inc. decided 504 mortgage applications and funded 369 loans across the 616 counties Fat Boy Data covers, 2023–2025.
These are the decisions Pathways Financial Credit Union, Inc. reported under the Home Mortgage Disclosure Act, not its advertised interest rates.
Pathways Financial Credit Union, Inc. at a glance
Approval is 4.2 points below the 77.6% national rate for the same mix of loan types.
Approval rates by loan type
| Loan type | Approval | Approved | Taken up | Typical loan | Loans made |
|---|---|---|---|---|---|
| Mortgage lenders | 82% | 171 / 209 | 100% | $235K | 171 |
| Cash-out refinance | 69% | 148 / 214 | 99% | $75K | 147 |
| Refinance | 67% | 44 / 66 | 100% | $125K | 44 |
Pathways Financial Credit Union, Inc. lending by state
| State | Approval | Typical loan | Decided | Loans made |
|---|---|---|---|---|
| Ohio | 74% | $125K | 502 | 368 |
Fat Boy Data covers 616 counties, 79.6% of the US population, not every county in every state. States with fewer than 20 decisions are not listed.Methodology.
Where Pathways Financial Credit Union, Inc. lends most
| County | Loan type | Approval | Decided | Loans made |
|---|---|---|---|---|
| Franklin County, OH | Cash-out refinance | 68% | 95 | 64 |
| Delaware County, OH | Mortgage lenders | 87% | 55 | 48 |
| Delaware County, OH | Cash-out refinance | 70% | 40 | 28 |
| Montgomery County, OH | Cash-out refinance | 52% | 23 | 12 |
The county markets where Pathways Financial Credit Union, Inc. made the most loans. Each link opens that market with every lender ranked.
Questions about Pathways Financial Credit Union, Inc.
What is Pathways Financial Credit Union, Inc.'s mortgage approval rate?
Pathways Financial Credit Union, Inc. approved 73.4% of the 504 mortgage applications it decided across the 616 counties Fat Boy Data covers, 2023–2025, 4.2 points below the 77.6% national rate for the same mix of loan types.
How often do borrowers take the loan Pathways Financial Credit Union, Inc. offers?
Borrowers accepted 100% of the loans Pathways Financial Credit Union, Inc. approved, against 94% for all cash-out refinance lenders nationally. A low take-up usually means the approved terms were not competitive.
What size loans does Pathways Financial Credit Union, Inc. make?
The typical cash-out refinance loan Pathways Financial Credit Union, Inc. made was $75K; across all loan types its typical loan ran from $75K to $235K. HMDA reports amounts in $10,000 brackets, so these are midpoints.
Where does Pathways Financial Credit Union, Inc. lend?
Pathways Financial Credit Union, Inc. decided applications in 3 of the states Fat Boy Data covers, most of them in Ohio, Illinois and Indiana.
Can I apply to Pathways Financial Credit Union, Inc. directly?
Yes. Pathways Financial Credit Union, Inc. is a bank or credit union with 12 branches in the FDIC and NCUA registries, and it takes mortgage applications directly.
Does this page show Pathways Financial Credit Union, Inc.'s interest rates?
No. HMDA filings record who applied, who was approved and how much was borrowed, not the rate offered. Use the approval rate and take-up here to judge how Pathways Financial Credit Union, Inc. treats applications, then get a rate quote from the lender.