American Pacific Mortgage in Ohio vs the state
10.3%Denial rate-7.39 pts vs state
12.8%Decision denial rate-9.05 pts vs state
69.8%Origination rate+9.93 pts vs state
6.88%Median rate0.00 pts vs state
0.73Rate spread (pts)+0.34 pts vs state
$88kMedian applicant income
854Loans originated
126Denied
Trend in Ohio
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 761 | 538 | 6.7% | 6.88% | #90 |
| 2024 | 698 | 489 | 6.7% | 7.13% | #105 |
| 2025 | 1,223 | 854 | 10.3% | 6.88% | #73 |
What American Pacific Mortgage lends in Ohio
By loan purpose
By loan type
Why it denied Ohio applicants
Where in Ohio
Counties with the most American Pacific Mortgage applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Cuyahoga County | 255 | 187 | 21 | 8.2% |
| Franklin County | 165 | 121 | 14 | 8.5% |
| Summit County | 116 | 76 | 10 | 8.6% |
| Hamilton County | 115 | 82 | 11 | 9.6% |
| Montgomery County | 61 | 31 | 13 | 21.3% |
| Lorain County | 60 | 42 | 6 | 10.0% |
| Stark County | 35 | 23 | 5 | 14.3% |
| Butler County | 35 | 18 | 4 | 11.4% |
| Lake County | 34 | 27 | 1 | 2.9% |
| Delaware County | 31 | 15 | 9 | 29.0% |
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: 1,223 applications in 2025, of which 854 were originated and 126 denied.
10.3% of all applications, or 12.8% of the applications it actually decided on. The Ohio statewide average across all lenders was 17.7%.
The median rate on loans American Pacific Mortgage originated in Ohio in 2025 was 6.88%, against a statewide median of 6.88%.
About this data. Figures are American Pacific 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