American Heritage Lending in Ohio vs the state
9.5%Denial rate-8.23 pts vs state
14.0%Decision denial rate-7.92 pts vs state
46.9%Origination rate-12.96 pts vs state
7.75%Median rate+0.88 pts vs state
1.46Rate spread (pts)+1.07 pts vs state
$114kMedian applicant income
253Loans originated
51Denied
Trend in Ohio
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 209 | 105 | 8.1% | 9.63% | #214 |
| 2024 | 262 | 142 | 7.6% | 8.13% | #184 |
| 2025 | 539 | 253 | 9.5% | 7.75% | #127 |
What American Heritage Lending lends in Ohio
By loan purpose
By loan type
Why it denied Ohio applicants
Where in Ohio
Counties with the most American Heritage Lending applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Cuyahoga County | 147 | 60 | 16 | 10.9% |
| Hamilton County | 70 | 33 | 0 | 0.0% |
| Franklin County | 61 | 31 | 4 | 6.6% |
| Butler County | 30 | 21 | 2 | 6.7% |
| Lorain County | 26 | 13 | 1 | 3.8% |
| Montgomery County | 25 | 9 | 3 | 12.0% |
| Lucas County | 22 | 6 | 1 | 4.5% |
| Summit County | 17 | 13 | 0 | 0.0% |
| Belmont County | 15 | 4 | 8 | 53.3% |
| Trumbull County | 10 | 6 | 1 | 10.0% |
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: 539 applications in 2025, of which 253 were originated and 51 denied.
9.5% of all applications, or 14.0% of the applications it actually decided on. The Ohio statewide average across all lenders was 17.7%.
The median rate on loans American Heritage Lending originated in Ohio in 2025 was 7.75%, against a statewide median of 6.88%.
About this data. Figures are American Heritage Lending'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