Citizens Bank in Ohio vs the state
24.3%Denial rate+6.61 pts vs state
27.8%Decision denial rate+5.86 pts vs state
60.9%Origination rate+0.96 pts vs state
7.65%Median rate+0.78 pts vs state
0.41Rate spread (pts)+0.02 pts vs state
$80kMedian applicant income
4,732Loans originated
1,889Denied
Trend in Ohio
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 7,869 | 4,302 | 32.6% | 8.25% | #9 |
| 2024 | 6,379 | 3,755 | 27.0% | 8.90% | #11 |
| 2025 | 7,775 | 4,732 | 24.3% | 7.65% | #10 |
What Citizens Bank lends in Ohio
By loan purpose
By loan type
Why it denied Ohio applicants
Where in Ohio
Counties with the most Citizens Bank applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Cuyahoga County | 2,268 | 1,337 | 568 | 25.0% |
| Summit County | 867 | 522 | 213 | 24.6% |
| Stark County | 698 | 492 | 116 | 16.6% |
| Lucas County | 671 | 416 | 157 | 23.4% |
| Lake County | 532 | 340 | 124 | 23.3% |
| Lorain County | 355 | 219 | 81 | 22.8% |
| Medina County | 272 | 191 | 57 | 21.0% |
| Geauga County | 196 | 127 | 50 | 25.5% |
| Franklin County | 194 | 114 | 48 | 24.7% |
| Mahoning County | 178 | 96 | 53 | 29.8% |
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% |
| Union Home Mortgage | B | 7,114 | 4.6% | 6.75% |
Frequently asked questions
Ohio: 7,775 applications in 2025, of which 4,732 were originated and 1,889 denied.
24.3% of all applications, or 27.8% of the applications it actually decided on. The Ohio statewide average across all lenders was 17.7%.
The median rate on loans Citizens Bank originated in Ohio in 2025 was 7.65%, against a statewide median of 6.88%.
About this data. Figures are Citizens Bank'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