First Colony Mortgage in Ohio vs the state
2.0%Denial rate-15.67 pts vs state
2.7%Decision denial rate-19.17 pts vs state
57.6%Origination rate-2.32 pts vs state
6.50%Median rate-0.38 pts vs state
0.17Rate spread (pts)-0.21 pts vs state
$110kMedian applicant income
114Loans originated
4Denied
Trend in Ohio
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2024 | 107 | 63 | 8.4% | 6.50% | #299 |
| 2025 | 198 | 114 | 2.0% | 6.50% | #238 |
What First Colony Mortgage lends in Ohio
By loan purpose
By loan type
Why it denied Ohio applicants
Where in Ohio
Counties with the most First Colony Mortgage applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Franklin County | 27 | 18 | 0 | 0.0% |
| Cuyahoga County | 19 | 12 | 1 | 5.3% |
| Butler County | 19 | 9 | 0 | 0.0% |
| Montgomery County | 17 | 11 | 0 | 0.0% |
| Warren County | 16 | 8 | 0 | 0.0% |
| Lake County | 9 | 6 | 0 | 0.0% |
| Clermont County | 9 | 2 | 1 | 11.1% |
| Hamilton County | 8 | 3 | 0 | 0.0% |
| Lorain County | 7 | 7 | 0 | 0.0% |
| Summit County | 7 | 4 | 1 | 14.3% |
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: 198 applications in 2025, of which 114 were originated and 4 denied.
2.0% of all applications, or 2.7% of the applications it actually decided on. The Ohio statewide average across all lenders was 17.7%.
The median rate on loans First Colony Mortgage originated in Ohio in 2025 was 6.50%, against a statewide median of 6.88%.
About this data. Figures are First Colony Mortgage'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