Constructive Loans in Ohio vs the state
5.5%Denial rate-12.24 pts vs state
5.6%Decision denial rate-16.33 pts vs state
80.9%Origination rate+21.01 pts vs state
7.74%Median rate+0.87 pts vs state
—Rate spread (pts)
—Median applicant income
89Loans originated
6Denied
Trend in Ohio
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 30 | 24 | 0.0% | 8.19% | #472 |
| 2024 | 77 | 64 | 1.3% | 7.63% | #345 |
| 2025 | 110 | 89 | 5.5% | 7.74% | #315 |
What Constructive Loans lends in Ohio
By loan purpose
By loan type
Why it denied Ohio applicants
Where in Ohio
Counties with the most Constructive Loans applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Cuyahoga County | 77 | 60 | 5 | 6.5% |
| Montgomery County | 7 | 7 | 0 | 0.0% |
| Summit County | 6 | 6 | 0 | 0.0% |
| Hamilton County | 6 | 6 | 0 | 0.0% |
| Franklin County | 3 | 3 | 0 | 0.0% |
| Lucas County | 2 | 1 | 0 | 0.0% |
| Butler County | 2 | 2 | 0 | 0.0% |
| Stark County | 2 | 1 | 0 | 0.0% |
| Lorain County | 2 | 2 | 0 | 0.0% |
| Mahoning 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: 110 applications in 2025, of which 89 were originated and 6 denied.
5.5% of all applications, or 5.6% of the applications it actually decided on. The Ohio statewide average across all lenders was 17.7%.
The median rate on loans Constructive Loans originated in Ohio in 2025 was 7.74%, against a statewide median of 6.88%.
About this data. Figures are Constructive Loans'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