First Ohio Home Finance at a glance, 2025
Every figure is from the lender's own HMDA filing. "vs national" compares with all lenders combined.
How the A grade breaks down
Each component is a percentile rank among 1,883 small mortgage lenders. Higher is better. Components the lender does not report are left out and the weights redistributed.
Approval oddsdecision denial rate, weight 45%
96th0.7% deniedPricingmedian rate spread over APOR, weight 30%
81st0.01 ptsProcesswithdrawn + incomplete share, weight 15%
10th25.3%Trend, 2023–2025
| Year | Applications | Originated | Denial rate | Decision denial | Median rate | Volume |
|---|---|---|---|---|---|---|
| 2023 | 927 | 666 | 3.8% | 5.0% | 7.00% | $123M |
| 2024 | 963 | 665 | 0.4% | 0.6% | 7.00% | $127M |
| 2025 | 819 | 608 | 0.5% | 0.7% | 6.75% | $129M |
What First Ohio Home Finance lends
Applications by purpose and loan type in 2025, with the denial rate for each. A lender's mix explains a lot of its headline rate: HELOCs and FHA loans are denied far more often than conventional purchase loans.
By loan purpose
By loan type
Also: 0 home-equity lines, 0 reverse mortgages, 18 manufactured homes, 280 investment properties.
Why First Ohio Home Finance denies applications
Primary reason reported for each of the 4 denials in 2025. Lenders can cite up to four reasons; this is the first one listed.
Who gets approved at First Ohio Home Finance
Decision denial rate by applicant profile. Groups with fewer than 20 applications are omitted.
| Applicant income | Applications | Originated | Decision denial rate |
|---|---|---|---|
| Under $50k | 102 | 74 | 1.3% |
| $50k – $100k | 320 | 255 | 0.4% |
| $100k – $150k | 184 | 137 | 0.7% |
| $150k – $250k | 119 | 80 | 1.2% |
| Over $250k | 78 | 52 | 0.0% |
| Applicant age | Applications | Originated | Decision denial rate |
|---|---|---|---|
| Under 25 | 76 | 63 | 0.0% |
| 25–34 | 301 | 227 | 1.3% |
| 35–44 | 215 | 157 | 0.0% |
| 45–54 | 119 | 89 | 0.0% |
| 55–64 | 66 | 46 | 0.0% |
| 65–74 | 28 | 18 | 5.3% |
Where First Ohio Home Finance lends
9 states and 81 counties in 2025. Click a state for the lender's full record there.
Frequently asked questions
First Ohio Home Finance denied 0.7% of the applications it decided on in 2025. The national figure across all lenders was 22.6%. On approval odds it ranks in the 96th percentile of small mortgage lenders.
The most common reason First Ohio Home Finance gave in 2025 was "debt-to-income ratio", cited on 75.0% of its denials. Lenders report up to four reasons per denial to the CFPB; the full breakdown is on this page.
The median interest rate on loans First Ohio Home Finance originated in 2025 was 6.75%, and its median rate spread over the average prime offer rate was 0.01 points. Rates on this page are what borrowers actually got, not advertised rates.
In 2025, 83% of its applications were for home purchases, 17% for refinancing (including cash-out), and 0% for home improvement or other purposes. By loan type: 75% conventional, 21% FHA, 2% VA.
Every figure on this page comes from the Home Mortgage Disclosure Act (HMDA) Loan/Application Register published by the CFPB, which lenders are required by federal law to file. We add the grade and the comparisons; we do not add facts.