Emm Loans in Ohio vs the state
7.8%Denial rate-9.91 pts vs state
10.9%Decision denial rate-10.97 pts vs state
61.7%Origination rate+1.78 pts vs state
6.50%Median rate-0.38 pts vs state
0.44Rate spread (pts)+0.05 pts vs state
$82kMedian applicant income
103Loans originated
13Denied
Trend in Ohio
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 92 | 44 | 7.6% | 6.75% | #315 |
| 2024 | 182 | 103 | 7.1% | 6.63% | #231 |
| 2025 | 167 | 103 | 7.8% | 6.50% | #262 |
What Emm Loans lends in Ohio
By loan purpose
By loan type
Why it denied Ohio applicants
Where in Ohio
Counties with the most Emm Loans applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Clermont County | 26 | 19 | 3 | 11.5% |
| Trumbull County | 14 | 9 | 0 | 0.0% |
| Brown County | 12 | 8 | 1 | 8.3% |
| Hamilton County | 11 | 8 | 1 | 9.1% |
| Mahoning County | 9 | 8 | 0 | 0.0% |
| Warren County | 7 | 3 | 0 | 0.0% |
| Franklin County | 7 | 4 | 0 | 0.0% |
| Highland County | 6 | 4 | 0 | 0.0% |
| Montgomery County | 6 | 4 | 0 | 0.0% |
| Lorain County | 5 | 0 | 1 | 20.0% |
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: 167 applications in 2025, of which 103 were originated and 13 denied.
7.8% of all applications, or 10.9% of the applications it actually decided on. The Ohio statewide average across all lenders was 17.7%.
The median rate on loans Emm Loans originated in Ohio in 2025 was 6.50%, against a statewide median of 6.88%.
About this data. Figures are Emm 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