Citizens Equity First in Ohio vs the state
20.0%Denial rate+2.31 pts vs state
25.0%Decision denial rate+3.11 pts vs state
60.0%Origination rate+0.10 pts vs state
6.50%Median rate-0.38 pts vs state
-0.21Rate spread (pts)-0.59 pts vs state
$133kMedian applicant income
9Loans originated
3Denied
Trend in Ohio
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 9 | 8 | 11.1% | 7.38% | #613 |
| 2024 | 10 | 5 | 10.0% | 6.88% | #602 |
| 2025 | 15 | 9 | 20.0% | 6.50% | #569 |
What Citizens Equity First lends in Ohio
By loan purpose
By loan type
Why it denied Ohio applicants
Where in Ohio
Counties with the most Citizens Equity First applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Medina County | 4 | 2 | 1 | 25.0% |
| Henry County | 2 | 2 | 0 | 0.0% |
| Lucas County | 1 | 1 | 0 | 0.0% |
| Lake County | 1 | 0 | 1 | 100.0% |
| Clinton County | 1 | 0 | 0 | 0.0% |
| Geauga County | 1 | 1 | 0 | 0.0% |
| Lorain County | 1 | 1 | 0 | 0.0% |
| Delaware County | 1 | 0 | 0 | 0.0% |
| Clermont County | 1 | 0 | 1 | 100.0% |
| Brown County | 1 | 1 | 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: 15 applications in 2025, of which 9 were originated and 3 denied.
20.0% of all applications, or 25.0% of the applications it actually decided on. The Ohio statewide average across all lenders was 17.7%.
The median rate on loans Citizens Equity First originated in Ohio in 2025 was 6.50%, against a statewide median of 6.88%.
About this data. Figures are Citizens Equity First'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