Pathways Financial Credit Union, Inc.
Pathways Financial Credit Union, Inc. received 584 applications in 2025 and made 378 mortgages, in 44 counties across 6 states. The median rate its borrowers got was 6.490% on a median loan of $105,000. Of 536 decisions, 158 were denials — 29.5%, most often for debt-to-income ratio. 57 of its applications carried no county and are counted here but on no county page.
| Legal Entity Identifier | 254900YSYHBYDFRVT153 |
|---|---|
| Applications received | 584 |
| Mortgages made | 378 |
| Denied | 158 |
| Approved, not taken up | 0 |
| Withdrawn or incomplete | 48 |
| Loans bought from other lenders | 0 |
| Median rate spread over the prime offer rate | -0.67 points |
| FDIC-insured bank | This lender is not an FDIC-insured bank under this name: a mortgage company, a credit union, or a bank filing under another name. |
By loan purpose
| Purpose | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| Home purchase | 91 | 6.125% | $265,000 | 24.8% |
| Refinancing | 33 | 5.500% | $145,000 | 31.3% |
| Cash-out refinancing | 71 | 7.125% | $85,000 | 34.9% |
| Other purposes | 183 | 6.490% | $85,000 | 29.1% |
Where Pathways Financial Credit Union, Inc. lends most
The 44 counties where it made the most mortgages in 2025. Each county page ranks every lender there.
| County | Mortgages made | Median rate | Denied |
|---|---|---|---|
| Franklin County, OH | 161 | 6.490% | 28.8% |
| Delaware County, OH | 53 | 5.990% | 25.4% |
| Union County, OH | 32 | 6.490% | 25.6% |
| Fairfield County, OH | 15 | 6.500% | 11.8% |
| Licking County, OH | 14 | 6.490% | 17.7% |
| Clark County, OH | 13 | 6.500% | 35.0% |
| Cuyahoga County, OH | 11 | 6.240% | 15.4% |
| Montgomery County, OH | 11 | 6.490% | 42.1% |
| Mason County, KY | 8 | Under 10 loans | 0.0% |
| Greene County, OH | 6 | Under 10 loans | 14.3% |
| Madison County, OH | 6 | Under 10 loans | 25.0% |
| Brown County, OH | 5 | Under 10 loans | 28.6% |
| Champaign County, OH | 4 | Under 10 loans | 0.0% |
| Adams County, OH | 3 | Under 10 loans | 25.0% |
| Logan County, OH | 3 | Under 10 loans | 25.0% |
| Morrow County, OH | 3 | Under 10 loans | 0.0% |
| Pickaway County, OH | 3 | Under 10 loans | 25.0% |
| Wayne County, OH | 3 | Under 10 loans | 0.0% |
| Geauga County, OH | 2 | Under 10 loans | 0.0% |
| Knox County, OH | 2 | Under 10 loans | 0.0% |
| Lorain County, OH | 2 | Under 10 loans | 0.0% |
| Medina County, OH | 2 | Under 10 loans | 0.0% |
| Miami County, OH | 2 | Under 10 loans | 0.0% |
| Summit County, OH | 2 | Under 10 loans | 0.0% |
| Bracken County, KY | 1 | Under 10 loans | 0.0% |
| Clark County, KY | 1 | Under 10 loans | 0.0% |
| Robertson County, KY | 1 | Under 10 loans | 0.0% |
| Auglaize County, OH | 1 | Under 10 loans | 0.0% |
| Hamilton County, OH | 1 | Under 10 loans | 0.0% |
| Mahoning County, OH | 1 | Under 10 loans | 0.0% |
| Marion County, OH | 1 | Under 10 loans | 0.0% |
| Perry County, OH | 1 | Under 10 loans | 50.0% |
| Portage County, OH | 1 | Under 10 loans | 0.0% |
| Richland County, OH | 1 | Under 10 loans | 0.0% |
| Scioto County, OH | 1 | Under 10 loans | 50.0% |
| Warren County, OH | 1 | Under 10 loans | 0.0% |
| District of Columbia, DC | 0 | Under 10 loans | 100.0% |
| Cherokee County, GA | 0 | Under 10 loans | 100.0% |
| Hamilton County, IN | 0 | Under 10 loans | 100.0% |
| Lewis County, KY | 0 | Under 10 loans | 100.0% |
| Marshall County, MS | 0 | Under 10 loans | 100.0% |
| Coshocton County, OH | 0 | Under 10 loans | Not published |
| Muskingum County, OH | 0 | Under 10 loans | 100.0% |
| Shelby County, OH | 0 | Under 10 loans | 100.0% |
Get told when this changes
When Pathways Financial Credit Union, Inc.’s figures are published for the next year, or restated.
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Counts, medians and denial shares are computed from the Home Mortgage Disclosure Act loan-level file for 2025, published by the Consumer Financial Protection Bureau through the FFIEC: every application a covered lender received, as the lender reported it. A median rate is what borrowers got, not what you will be offered — it depends on the loan, the property, your credit and the market on the day, and no figure here is a quote. A median over fewer than 10 loans is not shown: it is a number with no meaning and a real person's rate half-exposed. Those cells say "under 10 loans" and the count is still published. This is information, not advice, and no lender pays to appear.