Consumer Real Estate Finance in Ohio vs the state
28.7%Denial rate+11.05 pts vs state
32.4%Decision denial rate+10.53 pts vs state
59.9%Origination rate+0.02 pts vs state
6.81%Median rate-0.06 pts vs state
0.55Rate spread (pts)+0.16 pts vs state
$67kMedian applicant income
148Loans originated
71Denied
Trend in Ohio
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 148 | 72 | 18.9% | 6.75% | #251 |
| 2024 | 165 | 64 | 26.1% | 7.00% | #245 |
| 2025 | 247 | 148 | 28.7% | 6.81% | #211 |
What Consumer Real Estate Finance lends in Ohio
By loan purpose
By loan type
Why it denied Ohio applicants
Where in Ohio
Counties with the most Consumer Real Estate Finance applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Cuyahoga County | 53 | 34 | 14 | 26.4% |
| Lorain County | 30 | 18 | 8 | 26.7% |
| Ashtabula County | 12 | 7 | 4 | 33.3% |
| Columbiana County | 9 | 5 | 3 | 33.3% |
| Trumbull County | 8 | 3 | 3 | 37.5% |
| Summit County | 8 | 6 | 1 | 12.5% |
| Stark County | 7 | 3 | 3 | 42.9% |
| Mahoning County | 7 | 4 | 2 | 28.6% |
| Lawrence County | 6 | 2 | 3 | 50.0% |
| Scioto County | 5 | 2 | 2 | 40.0% |
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: 247 applications in 2025, of which 148 were originated and 71 denied.
28.7% of all applications, or 32.4% of the applications it actually decided on. The Ohio statewide average across all lenders was 17.7%.
The median rate on loans Consumer Real Estate Finance originated in Ohio in 2025 was 6.81%, against a statewide median of 6.88%.
About this data. Figures are Consumer Real Estate Finance'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