Digital in Ohio vs the state
12.4%Denial rate-5.33 pts vs state
25.0%Decision denial rate+3.11 pts vs state
37.1%Origination rate-22.82 pts vs state
7.50%Median rate+0.63 pts vs state
0.30Rate spread (pts)-0.09 pts vs state
$139kMedian applicant income
33Loans originated
11Denied
Trend in Ohio
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 158 | 53 | 12.7% | 6.63% | #246 |
| 2024 | 145 | 43 | 11.7% | 7.62% | #262 |
| 2025 | 89 | 33 | 12.4% | 7.50% | #342 |
What Digital lends in Ohio
By loan purpose
By loan type
Why it denied Ohio applicants
Where in Ohio
Counties with the most Digital applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Delaware County | 18 | 1 | 3 | 16.7% |
| Franklin County | 15 | 7 | 3 | 20.0% |
| Warren County | 12 | 5 | 0 | 0.0% |
| Cuyahoga County | 8 | 7 | 0 | 0.0% |
| Butler County | 5 | 1 | 0 | 0.0% |
| Union County | 5 | 0 | 1 | 20.0% |
| Wood County | 4 | 2 | 0 | 0.0% |
| Montgomery County | 4 | 1 | 1 | 25.0% |
| Lorain County | 4 | 3 | 1 | 25.0% |
| Summit County | 3 | 1 | 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: 89 applications in 2025, of which 33 were originated and 11 denied.
12.4% of all applications, or 25.0% of the applications it actually decided on. The Ohio statewide average across all lenders was 17.7%.
The median rate on loans Digital originated in Ohio in 2025 was 7.50%, against a statewide median of 6.88%.
About this data. Figures are Digital'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