First Ohio Home Finance in Ohio vs the state
0.5%Denial rate-17.18 pts vs state
0.7%Decision denial rate-21.22 pts vs state
74.8%Origination rate+14.94 pts vs state
6.75%Median rate-0.13 pts vs state
0.01Rate spread (pts)-0.38 pts vs state
$93kMedian applicant income
592Loans originated
4Denied
Trend in Ohio
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 894 | 644 | 3.6% | 7.00% | #82 |
| 2024 | 938 | 645 | 0.4% | 6.99% | #81 |
| 2025 | 791 | 592 | 0.5% | 6.75% | #103 |
What First Ohio Home Finance lends in Ohio
By loan purpose
By loan type
Why it denied Ohio applicants
Where in Ohio
Counties with the most First Ohio Home Finance applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Franklin County | 171 | 121 | 2 | 1.2% |
| Cuyahoga County | 106 | 68 | 0 | 0.0% |
| Summit County | 69 | 56 | 0 | 0.0% |
| Stark County | 55 | 42 | 0 | 0.0% |
| Guernsey County | 45 | 44 | 0 | 0.0% |
| Muskingum County | 43 | 35 | 0 | 0.0% |
| Lucas County | 38 | 25 | 1 | 2.6% |
| Richland County | 18 | 16 | 0 | 0.0% |
| Delaware County | 17 | 15 | 0 | 0.0% |
| Licking County | 16 | 14 | 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: 791 applications in 2025, of which 592 were originated and 4 denied.
0.5% of all applications, or 0.7% of the applications it actually decided on. The Ohio statewide average across all lenders was 17.7%.
The median rate on loans First Ohio Home Finance originated in Ohio in 2025 was 6.75%, against a statewide median of 6.88%.
About this data. Figures are First Ohio Home Finance'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