Commerce Home Mortgage in Ohio vs the state
11.7%Denial rate-6.02 pts vs state
16.2%Decision denial rate-5.74 pts vs state
60.6%Origination rate+0.66 pts vs state
7.25%Median rate+0.38 pts vs state
1.09Rate spread (pts)+0.70 pts vs state
$190kMedian applicant income
109Loans originated
21Denied
Trend in Ohio
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 74 | 35 | 25.7% | 8.88% | #339 |
| 2024 | 89 | 34 | 19.1% | 7.63% | #321 |
| 2025 | 180 | 109 | 11.7% | 7.25% | #253 |
What Commerce Home Mortgage lends in Ohio
By loan purpose
By loan type
Why it denied Ohio applicants
Where in Ohio
Counties with the most Commerce Home Mortgage applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Cuyahoga County | 34 | 22 | 3 | 8.8% |
| Franklin County | 30 | 19 | 2 | 6.7% |
| Montgomery County | 19 | 14 | 0 | 0.0% |
| Hamilton County | 14 | 7 | 1 | 7.1% |
| Lorain County | 11 | 5 | 5 | 45.5% |
| Summit County | 9 | 6 | 1 | 11.1% |
| Mahoning County | 9 | 5 | 0 | 0.0% |
| Butler County | 7 | 4 | 2 | 28.6% |
| Lucas County | 6 | 1 | 1 | 16.7% |
| 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: 180 applications in 2025, of which 109 were originated and 21 denied.
11.7% of all applications, or 16.2% of the applications it actually decided on. The Ohio statewide average across all lenders was 17.7%.
The median rate on loans Commerce Home Mortgage originated in Ohio in 2025 was 7.25%, against a statewide median of 6.88%.
About this data. Figures are Commerce Home Mortgage'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