American Financial Resources in Ohio vs the state
4.4%Denial rate-13.32 pts vs state
5.6%Decision denial rate-16.28 pts vs state
73.0%Origination rate+13.08 pts vs state
6.63%Median rate-0.25 pts vs state
0.48Rate spread (pts)+0.10 pts vs state
$82kMedian applicant income
451Loans originated
27Denied
Trend in Ohio
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 172 | 89 | 21.5% | 7.25% | #240 |
| 2024 | 364 | 231 | 9.3% | 6.88% | #151 |
| 2025 | 618 | 451 | 4.4% | 6.63% | #119 |
What American Financial Resources lends in Ohio
By loan purpose
By loan type
Why it denied Ohio applicants
Where in Ohio
Counties with the most American Financial Resources applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Hamilton County | 134 | 102 | 4 | 3.0% |
| Franklin County | 42 | 32 | 0 | 0.0% |
| Butler County | 30 | 24 | 1 | 3.3% |
| Mahoning County | 29 | 24 | 0 | 0.0% |
| Cuyahoga County | 29 | 13 | 3 | 10.3% |
| Summit County | 27 | 19 | 2 | 7.4% |
| Montgomery County | 27 | 19 | 2 | 7.4% |
| Clermont County | 26 | 20 | 3 | 11.5% |
| Trumbull County | 23 | 21 | 0 | 0.0% |
| Stark County | 20 | 16 | 0 | 0.0% |
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: 618 applications in 2025, of which 451 were originated and 27 denied.
4.4% of all applications, or 5.6% of the applications it actually decided on. The Ohio statewide average across all lenders was 17.7%.
The median rate on loans American Financial Resources originated in Ohio in 2025 was 6.63%, against a statewide median of 6.88%.
About this data. Figures are American Financial Resources'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