Finance of America Reverse in Ohio vs the state
12.7%Denial rate-5.02 pts vs state
16.4%Decision denial rate-5.51 pts vs state
63.3%Origination rate+3.43 pts vs state
6.25%Median rate-0.63 pts vs state
—Rate spread (pts)
$28kMedian applicant income
95Loans originated
19Denied
Trend in Ohio
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 186 | 111 | 21.0% | 7.83% | #230 |
| 2024 | 179 | 106 | 11.7% | 7.33% | #234 |
| 2025 | 150 | 95 | 12.7% | 6.25% | #272 |
What Finance of America Reverse lends in Ohio
By loan purpose
By loan type
Why it denied Ohio applicants
Where in Ohio
Counties with the most Finance of America Reverse applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Franklin County | 20 | 13 | 2 | 10.0% |
| Cuyahoga County | 19 | 11 | 2 | 10.5% |
| Hamilton County | 15 | 10 | 1 | 6.7% |
| Summit County | 8 | 5 | 2 | 25.0% |
| Stark County | 7 | 4 | 0 | 0.0% |
| Butler County | 6 | 4 | 0 | 0.0% |
| Delaware County | 5 | 2 | 1 | 20.0% |
| Montgomery County | 4 | 4 | 0 | 0.0% |
| Trumbull County | 4 | 2 | 0 | 0.0% |
| Lorain County | 3 | 3 | 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: 150 applications in 2025, of which 95 were originated and 19 denied.
12.7% of all applications, or 16.4% of the applications it actually decided on. The Ohio statewide average across all lenders was 17.7%.
The median rate on loans Finance of America Reverse originated in Ohio in 2025 was 6.25%, against a statewide median of 6.88%.
About this data. Figures are Finance of America Reverse'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