Desco in Ohio vs the state
14.9%Denial rate-2.83 pts vs state
20.1%Decision denial rate-1.78 pts vs state
55.8%Origination rate-4.08 pts vs state
6.63%Median rate-0.25 pts vs state
0.33Rate spread (pts)-0.06 pts vs state
$79kMedian applicant income
139Loans originated
37Denied
Trend in Ohio
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 244 | 144 | 19.3% | 7.00% | #189 |
| 2024 | 236 | 143 | 21.6% | 7.00% | #199 |
| 2025 | 249 | 139 | 14.9% | 6.63% | #208 |
What Desco lends in Ohio
By loan purpose
By loan type
Why it denied Ohio applicants
Where in Ohio
Counties with the most Desco applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Scioto County | 180 | 105 | 18 | 10.0% |
| Lawrence County | 54 | 27 | 16 | 29.6% |
| Pike County | 4 | 2 | 1 | 25.0% |
| Gallia County | 3 | 2 | 1 | 33.3% |
| Adams County | 2 | 1 | 1 | 50.0% |
| Clinton County | 1 | 0 | 0 | 0.0% |
| Fulton County | 1 | 1 | 0 | 0.0% |
| Pickaway County | 1 | 0 | 0 | 0.0% |
| Montgomery County | 1 | 0 | 0 | 0.0% |
| Franklin County | 1 | 0 | 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: 249 applications in 2025, of which 139 were originated and 37 denied.
14.9% of all applications, or 20.1% of the applications it actually decided on. The Ohio statewide average across all lenders was 17.7%.
The median rate on loans Desco originated in Ohio in 2025 was 6.63%, against a statewide median of 6.88%.
About this data. Figures are Desco'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