First Equity Mortgage in Ohio vs the state
10.0%Denial rate-7.65 pts vs state
15.3%Decision denial rate-6.60 pts vs state
55.6%Origination rate-4.30 pts vs state
6.38%Median rate-0.50 pts vs state
-0.02Rate spread (pts)-0.41 pts vs state
$168kMedian applicant income
288Loans originated
52Denied
Trend in Ohio
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 436 | 231 | 11.7% | 6.25% | #126 |
| 2024 | 446 | 284 | 9.0% | 6.38% | #130 |
| 2025 | 518 | 288 | 10.0% | 6.38% | #131 |
What First Equity Mortgage lends in Ohio
By loan purpose
By loan type
Why it denied Ohio applicants
Where in Ohio
Counties with the most First Equity Mortgage applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Warren County | 102 | 42 | 17 | 16.7% |
| Lorain County | 95 | 68 | 4 | 4.2% |
| Hamilton County | 80 | 38 | 11 | 13.8% |
| Medina County | 78 | 52 | 4 | 5.1% |
| Butler County | 55 | 22 | 10 | 18.2% |
| Cuyahoga County | 43 | 29 | 2 | 4.7% |
| Clermont County | 38 | 23 | 2 | 5.3% |
| Summit County | 20 | 12 | 1 | 5.0% |
| Lake County | 4 | 1 | 1 | 25.0% |
| Ottawa County | 1 | 1 | 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: 518 applications in 2025, of which 288 were originated and 52 denied.
10.0% of all applications, or 15.3% of the applications it actually decided on. The Ohio statewide average across all lenders was 17.7%.
The median rate on loans First Equity Mortgage originated in Ohio in 2025 was 6.38%, against a statewide median of 6.88%.
About this data. Figures are First Equity 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