Clearedge Lending in Ohio vs the state
22.8%Denial rate+5.12 pts vs state
25.5%Decision denial rate+3.60 pts vs state
64.9%Origination rate+5.01 pts vs state
7.75%Median rate+0.88 pts vs state
1.36Rate spread (pts)+0.97 pts vs state
$284kMedian applicant income
37Loans originated
13Denied
Trend in Ohio
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 19 | 7 | 36.8% | 9.00% | #533 |
| 2024 | 77 | 40 | 28.6% | 7.81% | #344 |
| 2025 | 57 | 37 | 22.8% | 7.75% | #389 |
What Clearedge Lending lends in Ohio
By loan purpose
By loan type
Why it denied Ohio applicants
Where in Ohio
Counties with the most Clearedge Lending applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Franklin County | 20 | 14 | 3 | 15.0% |
| Cuyahoga County | 10 | 9 | 1 | 10.0% |
| Montgomery County | 6 | 3 | 1 | 16.7% |
| Hamilton County | 3 | 2 | 0 | 0.0% |
| Fairfield County | 3 | 3 | 0 | 0.0% |
| Licking County | 2 | 1 | 1 | 50.0% |
| Richland County | 2 | 0 | 2 | 100.0% |
| Medina County | 1 | 1 | 0 | 0.0% |
| Butler County | 1 | 1 | 0 | 0.0% |
| Stark County | 1 | 0 | 1 | 100.0% |
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: 57 applications in 2025, of which 37 were originated and 13 denied.
22.8% of all applications, or 25.5% of the applications it actually decided on. The Ohio statewide average across all lenders was 17.7%.
The median rate on loans Clearedge Lending originated in Ohio in 2025 was 7.75%, against a statewide median of 6.88%.
About this data. Figures are Clearedge Lending'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