Direct Mortgage Loans in Ohio vs the state
1.5%Denial rate-16.17 pts vs state
2.2%Decision denial rate-19.72 pts vs state
53.0%Origination rate-6.87 pts vs state
7.25%Median rate+0.38 pts vs state
1.10Rate spread (pts)+0.72 pts vs state
$100kMedian applicant income
35Loans originated
1Denied
Trend in Ohio
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 8 | 4 | 0.0% | 7.06% | #638 |
| 2024 | 114 | 81 | 0.9% | 6.75% | #292 |
| 2025 | 66 | 35 | 1.5% | 7.25% | #372 |
What Direct Mortgage Loans lends in Ohio
By loan purpose
By loan type
Why it denied Ohio applicants
Where in Ohio
Counties with the most Direct Mortgage Loans applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Montgomery County | 27 | 16 | 0 | 0.0% |
| Warren County | 6 | 3 | 0 | 0.0% |
| Franklin County | 4 | 2 | 0 | 0.0% |
| Miami County | 4 | 3 | 0 | 0.0% |
| Clark County | 4 | 2 | 0 | 0.0% |
| Cuyahoga County | 4 | 2 | 1 | 25.0% |
| Butler County | 3 | 2 | 0 | 0.0% |
| Licking County | 2 | 1 | 0 | 0.0% |
| Clinton County | 2 | 1 | 0 | 0.0% |
| Darke County | 2 | 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: 66 applications in 2025, of which 35 were originated and 1 denied.
1.5% of all applications, or 2.2% of the applications it actually decided on. The Ohio statewide average across all lenders was 17.7%.
The median rate on loans Direct Mortgage Loans originated in Ohio in 2025 was 7.25%, against a statewide median of 6.88%.
About this data. Figures are Direct Mortgage 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