Figure Lending in Ohio vs the state
23.4%Denial rate+5.74 pts vs state
24.5%Decision denial rate+2.64 pts vs state
50.7%Origination rate-9.23 pts vs state
8.80%Median rate+1.93 pts vs state
2.49Rate spread (pts)+2.11 pts vs state
$96kMedian applicant income
1,553Loans originated
718Denied
Trend in Ohio
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 2,114 | 963 | 33.0% | 11.00% | #40 |
| 2024 | 2,788 | 1,461 | 24.0% | 10.55% | #38 |
| 2025 | 3,065 | 1,553 | 23.4% | 8.80% | #34 |
What Figure Lending lends in Ohio
By loan purpose
By loan type
Why it denied Ohio applicants
Where in Ohio
Counties with the most Figure Lending applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Franklin County | 262 | 126 | 55 | 21.0% |
| Cuyahoga County | 257 | 138 | 59 | 23.0% |
| Hamilton County | 191 | 97 | 53 | 27.7% |
| Montgomery County | 177 | 93 | 34 | 19.2% |
| Summit County | 162 | 73 | 35 | 21.6% |
| Butler County | 122 | 75 | 21 | 17.2% |
| Lucas County | 102 | 56 | 17 | 16.7% |
| Lorain County | 91 | 46 | 26 | 28.6% |
| Stark County | 89 | 37 | 24 | 27.0% |
| Lake County | 81 | 38 | 23 | 28.4% |
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: 3,065 applications in 2025, of which 1,553 were originated and 718 denied.
23.4% of all applications, or 24.5% of the applications it actually decided on. The Ohio statewide average across all lenders was 17.7%.
The median rate on loans Figure Lending originated in Ohio in 2025 was 8.80%, against a statewide median of 6.88%.
About this data. Figures are Figure Lending'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