Click n' Close in Ohio vs the state
6.2%Denial rate-11.45 pts vs state
8.0%Decision denial rate-13.94 pts vs state
71.6%Origination rate+11.73 pts vs state
6.75%Median rate-0.13 pts vs state
3.03Rate spread (pts)+2.64 pts vs state
$80kMedian applicant income
780Loans originated
68Denied
Trend in Ohio
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 584 | 466 | 2.6% | 6.88% | #103 |
| 2024 | 829 | 579 | 3.5% | 6.88% | #90 |
| 2025 | 1,089 | 780 | 6.2% | 6.75% | #83 |
What Click n' Close lends in Ohio
By loan purpose
By loan type
Why it denied Ohio applicants
Where in Ohio
Counties with the most Click n' Close applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Lucas County | 229 | 180 | 7 | 3.1% |
| Wood County | 72 | 61 | 0 | 0.0% |
| Franklin County | 68 | 48 | 4 | 5.9% |
| Belmont County | 50 | 30 | 7 | 14.0% |
| Cuyahoga County | 49 | 38 | 5 | 10.2% |
| Butler County | 42 | 31 | 3 | 7.1% |
| Coshocton County | 39 | 29 | 0 | 0.0% |
| Montgomery County | 35 | 24 | 5 | 14.3% |
| Summit County | 28 | 20 | 3 | 10.7% |
| Lorain County | 28 | 21 | 3 | 10.7% |
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: 1,089 applications in 2025, of which 780 were originated and 68 denied.
6.2% of all applications, or 8.0% of the applications it actually decided on. The Ohio statewide average across all lenders was 17.7%.
The median rate on loans Click n' Close originated in Ohio in 2025 was 6.75%, against a statewide median of 6.88%.
About this data. Figures are Click n' Close'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