American Financing in Ohio vs the state
44.0%Denial rate+26.33 pts vs state
57.5%Decision denial rate+35.61 pts vs state
22.4%Origination rate-37.53 pts vs state
6.38%Median rate-0.50 pts vs state
0.29Rate spread (pts)-0.09 pts vs state
$80kMedian applicant income
189Loans originated
372Denied
Trend in Ohio
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 430 | 97 | 33.3% | 6.38% | #128 |
| 2024 | 722 | 169 | 50.4% | 6.13% | #102 |
| 2025 | 845 | 189 | 44.0% | 6.38% | #98 |
What American Financing lends in Ohio
By loan purpose
By loan type
Why it denied Ohio applicants
Where in Ohio
Counties with the most American Financing applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Franklin County | 65 | 12 | 28 | 43.1% |
| Cuyahoga County | 49 | 10 | 25 | 51.0% |
| Lucas County | 43 | 11 | 16 | 37.2% |
| Montgomery County | 39 | 14 | 11 | 28.2% |
| Hamilton County | 34 | 9 | 13 | 38.2% |
| Summit County | 31 | 7 | 15 | 48.4% |
| Butler County | 28 | 4 | 16 | 57.1% |
| Lake County | 24 | 5 | 9 | 37.5% |
| Fairfield County | 23 | 6 | 10 | 43.5% |
| Medina County | 22 | 2 | 13 | 59.1% |
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: 845 applications in 2025, of which 189 were originated and 372 denied.
44.0% of all applications, or 57.5% of the applications it actually decided on. The Ohio statewide average across all lenders was 17.7%.
The median rate on loans American Financing originated in Ohio in 2025 was 6.38%, against a statewide median of 6.88%.
About this data. Figures are American Financing'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