ATOMIC CREDIT UNION, INC.
ATOMIC CREDIT UNION, INC. received 693 applications in 2025 and made 332 mortgages, in 37 counties across 3 states. The median rate its borrowers got was Not published on a median loan of $135,000. Of 580 decisions, 248 were denials — 42.8%.
| Legal Entity Identifier | 54930038B7D8N5ZCSG62 |
|---|---|
| Applications received | 693 |
| Mortgages made | 332 |
| Denied | 248 |
| Approved, not taken up | 0 |
| Withdrawn or incomplete | 113 |
| Loans bought from other lenders | 0 |
| Median rate spread over the prime offer rate | Not published |
| 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 | 141 | Not published | $155,000 | 50.2% |
| Refinancing | 5 | Under 10 loans | Under 10 loans | 44.4% |
| Cash-out refinancing | 58 | Not published | $155,000 | 25.6% |
| Other purposes | 128 | Not published | $105,000 | 39.1% |
Where ATOMIC CREDIT UNION, INC. lends most
The 37 counties where it made the most mortgages in 2025. Each county page ranks every lender there.
| County | Mortgages made | Median rate | Denied |
|---|---|---|---|
| Jackson County, OH | 76 | Not published | 30.3% |
| Scioto County, OH | 70 | Not published | 43.6% |
| Pike County, OH | 46 | Not published | 41.8% |
| Ross County, OH | 31 | Not published | 56.9% |
| Highland County, OH | 19 | Not published | 34.5% |
| Vinton County, OH | 16 | Not published | 30.4% |
| Hocking County, OH | 14 | Not published | 46.2% |
| Gallia County, OH | 9 | Under 10 loans | 30.8% |
| Pickaway County, OH | 9 | Under 10 loans | 40.0% |
| Fairfield County, OH | 8 | Under 10 loans | 52.9% |
| Lawrence County, OH | 5 | Under 10 loans | 37.5% |
| Richland County, OH | 4 | Under 10 loans | 0.0% |
| Adams County, OH | 3 | Under 10 loans | 57.1% |
| Fayette County, OH | 3 | Under 10 loans | 62.5% |
| Franklin County, OH | 3 | Under 10 loans | 40.0% |
| Perry County, OH | 3 | Under 10 loans | 25.0% |
| Greenup County, KY | 2 | Under 10 loans | 60.0% |
| Athens County, OH | 2 | Under 10 loans | 66.7% |
| Brown County, OH | 2 | Under 10 loans | 50.0% |
| Carlisle County, KY | 1 | Under 10 loans | 0.0% |
| Oldham County, KY | 1 | Under 10 loans | 0.0% |
| Crawford County, OH | 1 | Under 10 loans | 50.0% |
| Jefferson County, OH | 1 | Under 10 loans | 0.0% |
| Meigs County, OH | 1 | Under 10 loans | 66.7% |
| Wayne County, OH | 1 | Under 10 loans | 0.0% |
| Berkeley County, SC | 1 | Under 10 loans | 0.0% |
| Boyd County, KY | 0 | Under 10 loans | 100.0% |
| Jefferson County, KY | 0 | Under 10 loans | 100.0% |
| Lewis County, KY | 0 | Under 10 loans | 100.0% |
| Clinton County, OH | 0 | Under 10 loans | Not published |
| Greene County, OH | 0 | Under 10 loans | 100.0% |
| Hamilton County, OH | 0 | Under 10 loans | 100.0% |
| Marion County, OH | 0 | Under 10 loans | 100.0% |
| Summit County, OH | 0 | Under 10 loans | Not published |
| Trumbull County, OH | 0 | Under 10 loans | Not published |
| Tuscarawas County, OH | 0 | Under 10 loans | 100.0% |
| Warren County, OH | 0 | Under 10 loans | 100.0% |
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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.