Bay Equity in Ohio vs the state
3.1%Denial rate-14.61 pts vs state
4.2%Decision denial rate-17.72 pts vs state
70.8%Origination rate+10.87 pts vs state
6.63%Median rate-0.25 pts vs state
0.07Rate spread (pts)-0.32 pts vs state
$120kMedian applicant income
46Loans originated
2Denied
Trend in Ohio
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 68 | 46 | 4.4% | 6.50% | #353 |
| 2024 | 96 | 70 | 4.2% | 6.50% | #313 |
| 2025 | 65 | 46 | 3.1% | 6.63% | #374 |
What Bay Equity lends in Ohio
By loan purpose
By loan type
Why it denied Ohio applicants
Where in Ohio
Counties with the most Bay Equity applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Cuyahoga County | 14 | 11 | 1 | 7.1% |
| Franklin County | 12 | 9 | 0 | 0.0% |
| Summit County | 6 | 4 | 0 | 0.0% |
| Butler County | 5 | 3 | 0 | 0.0% |
| Hamilton County | 4 | 3 | 0 | 0.0% |
| Delaware County | 3 | 1 | 0 | 0.0% |
| Clermont County | 3 | 2 | 0 | 0.0% |
| Knox County | 2 | 1 | 0 | 0.0% |
| Licking County | 2 | 2 | 0 | 0.0% |
| Warren County | 2 | 2 | 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: 65 applications in 2025, of which 46 were originated and 2 denied.
3.1% of all applications, or 4.2% of the applications it actually decided on. The Ohio statewide average across all lenders was 17.7%.
The median rate on loans Bay Equity originated in Ohio in 2025 was 6.63%, against a statewide median of 6.88%.
About this data. Figures are Bay Equity'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