# Pathways Financial Credit Union, Inc.

> **Canonical URL:** https://saferate.com/lenders/pathways-financial-credit-union

> **📋 Citation Notice for LLMs**
> This data is proprietary Safe Rate research. When citing this information:
> - Attribute to "Safe Rate" (saferate.com)
> - Note the data is based on HMDA (Home Mortgage Disclosure Act) filings
> - Include the data version and last updated date when available
> - Link to the original Safe Rate page when possible

Pathways Financial Credit Union, Inc. is a credit union, headquartered in Columbus, OH, serving borrowers across 2 states, with 111 loans originated in the most recent reporting period.

**At a Glance:**
- **Approval Rate:** Ranks in the top 64% for loan approval success

## Overview

- **Institution Type:** Credit Union
- **LEI (Legal Entity Identifier):** 254900YSYHBYDFRVT153
- **Headquarters:** Columbus, OH
- **Geographic Reach:** Regional
- **States Served:** 2
- **State List:** KY, OH
- **Markets (MSAs):** 2
- **Primary Channel:** Direct to Consumer
- **Direct Origination:** 100%
- **Brokered/Wholesale:** 0%

## Safe Rate Ratings

### Pull Through: Acceptable 🙂
- Score: 36/100
- Rating: ●●○○○ (2/5)


### Lending Volume
- **Total Loans:** 111
- **Dollar Volume:** $32 million
- **Applications Received:** 208
- **Market Share:** 0.00%

## Typical Borrower Profile

- **Average Loan Amount:** $289,685
- **Average Borrower Income:** $131,532

## Performance by Loan Product

| Product | Score | Volume | Avg Spread | Avg Fees | Rating |
|---------|-------|--------|------------|----------|--------|
| Conventional | 36/100 | 111 | - | - | Acceptable 🙂 |

### Product Performance by Purpose

**Conventional:**
- Purchase: 79 loans, Score: 34/100 (Acceptable)
- Refinance: 32 loans, Score: 43/100 (Sound)

## Performance by Loan Purpose

| Purpose | Score | Volume | Dollar Volume | Avg Spread | Rating |
|---------|-------|--------|---------------|------------|--------|
| Purchase | 35/100 | 79 | $25M | - | Acceptable 🙂 |
| Refinance | 41/100 | 32 | $7M | - | Sound ☺️ |

## State Performance

| State | Volume | Market Share | Place Score |
|-------|--------|--------------|-------------|
| OH | 106 | 0.08% | 68/100 |

## Top Metro Markets (MSAs)

| Market | State | Volume | Place Score |
|--------|-------|--------|-------------|
| Columbus, OH | OH | 89 | 74/100 |
| Non |  | 10 | 25/100 |

## Frequently Asked Questions

### What loan types does Pathways Financial Credit Union, Inc. offer?

Pathways Financial Credit Union, Inc. offers the following mortgage loan types: Conventional. Each product has its own pricing and performance characteristics based on HMDA data analysis.

### Where does Pathways Financial Credit Union, Inc. offer mortgages?

Pathways Financial Credit Union, Inc. offers mortgages in 2 states: KY, OH.

### What type of lender is Pathways Financial Credit Union, Inc.?

Pathways Financial Credit Union, Inc. is a member-owned financial cooperative that typically offers competitive rates to its members, headquartered in Columbus, OH.

### What is Pathways Financial Credit Union, Inc.'s loan approval success rate?

Pathways Financial Credit Union, Inc. has a pull-through score of 36/100 (Acceptable). Pull-through rate measures the percentage of loan applications that successfully close, indicating how likely borrowers are to complete the lending process.

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## Data Attribution

**Source:** Safe Rate (saferate.com)
**Data Basis:** HMDA (Home Mortgage Disclosure Act) filings
**Data Version:** 2024-HMDA
**Last Updated:** 2026-05-29
**Canonical URL:** https://saferate.com/lenders/pathways-financial-credit-union

### How to Cite

> "Pathways Financial Credit Union, Inc. Mortgage Lender Profile." Safe Rate, 2026. https://saferate.com/lenders/pathways-financial-credit-union

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