Better Mortgage in Ohio vs the state
26.7%Denial rate+8.98 pts vs state
48.5%Decision denial rate+26.63 pts vs state
27.0%Origination rate-32.87 pts vs state
7.13%Median rate+0.25 pts vs state
0.68Rate spread (pts)+0.30 pts vs state
$116kMedian applicant income
299Loans originated
295Denied
Trend in Ohio
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 324 | 121 | 7.7% | 6.38% | #147 |
| 2024 | 427 | 163 | 13.4% | 6.63% | #136 |
| 2025 | 1,106 | 299 | 26.7% | 7.13% | #81 |
What Better Mortgage lends in Ohio
By loan purpose
By loan type
Why it denied Ohio applicants
Where in Ohio
Counties with the most Better Mortgage applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Cuyahoga County | 135 | 38 | 33 | 24.4% |
| Franklin County | 134 | 34 | 32 | 23.9% |
| Hamilton County | 77 | 17 | 19 | 24.7% |
| Montgomery County | 68 | 30 | 21 | 30.9% |
| Summit County | 63 | 9 | 15 | 23.8% |
| Warren County | 40 | 9 | 7 | 17.5% |
| Delaware County | 37 | 13 | 11 | 29.7% |
| Lorain County | 36 | 10 | 13 | 36.1% |
| Butler County | 34 | 11 | 6 | 17.6% |
| Stark County | 31 | 6 | 10 | 32.3% |
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: 1,106 applications in 2025, of which 299 were originated and 295 denied.
26.7% of all applications, or 48.5% of the applications it actually decided on. The Ohio statewide average across all lenders was 17.7%.
The median rate on loans Better Mortgage originated in Ohio in 2025 was 7.13%, against a statewide median of 6.88%.
About this data. Figures are Better 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