21st Mortgage in Ohio vs the state
51.5%Denial rate+33.83 pts vs state
69.1%Decision denial rate+47.17 pts vs state
21.8%Origination rate-38.07 pts vs state
10.25%Median rate+3.38 pts vs state
5.34Rate spread (pts)+4.96 pts vs state
$58kMedian applicant income
647Loans originated
1,527Denied
Trend in Ohio
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 2,801 | 582 | 46.9% | 9.89% | #29 |
| 2024 | 3,035 | 696 | 49.3% | 10.46% | #34 |
| 2025 | 2,964 | 647 | 51.5% | 10.25% | #35 |
What 21st Mortgage lends in Ohio
By loan purpose
By loan type
Why it denied Ohio applicants
Where in Ohio
Counties with the most 21st Mortgage applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Clermont County | 209 | 63 | 114 | 54.5% |
| Lorain County | 183 | 34 | 106 | 57.9% |
| Portage County | 138 | 33 | 64 | 46.4% |
| Butler County | 129 | 24 | 66 | 51.2% |
| Pickaway County | 110 | 35 | 53 | 48.2% |
| Hancock County | 99 | 30 | 39 | 39.4% |
| Franklin County | 97 | 10 | 65 | 67.0% |
| Champaign County | 94 | 16 | 50 | 53.2% |
| Allen County | 90 | 25 | 38 | 42.2% |
| Trumbull County | 82 | 27 | 32 | 39.0% |
Other large lenders in Ohio
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| The Huntington National Bank | D | 42,683 | 25.8% | 7.59% |
| Rocket Mortgage | C | 23,165 | 18.5% | 6.63% |
| Fifth Third Bank | D | 21,939 | 25.6% | 7.50% |
| Crosscountry Mortgage | B | 16,066 | 3.1% | 6.75% |
| United Shore Financial Services | B | 14,626 | 13.1% | 6.45% |
| Third Federal Savings and Loan Association of Cleveland | C | 12,622 | 23.0% | 6.74% |
| PNC Bank | D | 11,607 | 24.6% | 7.40% |
| Wright-Patt Credit Union | C | 8,791 | 28.1% | 7.50% |
| U.S. Bank | D | 8,623 | 38.0% | 7.60% |
| Citizens Bank | C | 7,775 | 24.3% | 7.65% |
Frequently asked questions
Ohio: 2,964 applications in 2025, of which 647 were originated and 1,527 denied.
51.5% of all applications, or 69.1% of the applications it actually decided on. The Ohio statewide average across all lenders was 17.7%.
The median rate on loans 21st Mortgage originated in Ohio in 2025 was 10.25%, against a statewide median of 6.88%.
About this data. Figures are 21st Mortgage's own HMDA filing for properties located in Ohio, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology