Citibank in Ohio vs the state
30.1%Denial rate+12.36 pts vs state
56.7%Decision denial rate+34.81 pts vs state
22.4%Origination rate-37.50 pts vs state
6.88%Median rate0.00 pts vs state
0.65Rate spread (pts)+0.26 pts vs state
$102kMedian applicant income
41Loans originated
55Denied
Trend in Ohio
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 111 | 41 | 5.4% | 6.13% | #289 |
| 2024 | 154 | 36 | 14.9% | 7.06% | #254 |
| 2025 | 183 | 41 | 30.1% | 6.88% | #250 |
What Citibank lends in Ohio
By loan purpose
By loan type
Why it denied Ohio applicants
Where in Ohio
Counties with the most Citibank applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Cuyahoga County | 29 | 7 | 8 | 27.6% |
| Franklin County | 21 | 6 | 6 | 28.6% |
| Hamilton County | 13 | 5 | 2 | 15.4% |
| Montgomery County | 11 | 1 | 5 | 45.5% |
| Lucas County | 7 | 0 | 4 | 57.1% |
| Mahoning County | 7 | 3 | 0 | 0.0% |
| Wayne County | 6 | 0 | 2 | 33.3% |
| Stark County | 6 | 0 | 5 | 83.3% |
| Trumbull County | 5 | 1 | 3 | 60.0% |
| Warren County | 5 | 3 | 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: 183 applications in 2025, of which 41 were originated and 55 denied.
30.1% of all applications, or 56.7% of the applications it actually decided on. The Ohio statewide average across all lenders was 17.7%.
The median rate on loans Citibank originated in Ohio in 2025 was 6.88%, against a statewide median of 6.88%.
About this data. Figures are Citibank'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