Flagstar Bank in Ohio vs the state
26.0%Denial rate+8.26 pts vs state
33.8%Decision denial rate+11.87 pts vs state
49.6%Origination rate-10.31 pts vs state
6.63%Median rate-0.25 pts vs state
0.37Rate spread (pts)-0.02 pts vs state
$87kMedian applicant income
300Loans originated
157Denied
Trend in Ohio
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 1,293 | 746 | 24.7% | 7.25% | #60 |
| 2024 | 1,328 | 765 | 27.5% | 6.99% | #63 |
| 2025 | 605 | 300 | 26.0% | 6.63% | #120 |
What Flagstar Bank lends in Ohio
By loan purpose
By loan type
Why it denied Ohio applicants
Where in Ohio
Counties with the most Flagstar Bank applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Cuyahoga County | 195 | 86 | 53 | 27.2% |
| Franklin County | 52 | 31 | 12 | 23.1% |
| Summit County | 46 | 21 | 11 | 23.9% |
| Lake County | 34 | 11 | 5 | 14.7% |
| Lorain County | 26 | 18 | 5 | 19.2% |
| Medina County | 22 | 8 | 6 | 27.3% |
| Lucas County | 19 | 14 | 5 | 26.3% |
| Hamilton County | 19 | 10 | 5 | 26.3% |
| Van Wert County | 17 | 7 | 4 | 23.5% |
| Mahoning County | 11 | 7 | 4 | 36.4% |
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: 605 applications in 2025, of which 300 were originated and 157 denied.
26.0% of all applications, or 33.8% of the applications it actually decided on. The Ohio statewide average across all lenders was 17.7%.
The median rate on loans Flagstar Bank originated in Ohio in 2025 was 6.63%, against a statewide median of 6.88%.
About this data. Figures are Flagstar Bank'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