Freedom Mortgage in Ohio vs the state
8.8%Denial rate-8.85 pts vs state
14.6%Decision denial rate-7.32 pts vs state
43.7%Origination rate-16.18 pts vs state
6.25%Median rate-0.63 pts vs state
0.29Rate spread (pts)-0.10 pts vs state
$86kMedian applicant income
2,477Loans originated
501Denied
Trend in Ohio
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 2,027 | 846 | 16.3% | 6.75% | #42 |
| 2024 | 4,182 | 1,847 | 11.1% | 6.25% | #20 |
| 2025 | 5,665 | 2,477 | 8.8% | 6.25% | #18 |
What Freedom Mortgage lends in Ohio
By loan purpose
By loan type
Why it denied Ohio applicants
Where in Ohio
Counties with the most Freedom Mortgage applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Franklin County | 639 | 274 | 52 | 8.1% |
| Cuyahoga County | 398 | 128 | 49 | 12.3% |
| Montgomery County | 368 | 187 | 21 | 5.7% |
| Hamilton County | 341 | 147 | 30 | 8.8% |
| Butler County | 265 | 114 | 14 | 5.3% |
| Summit County | 189 | 82 | 18 | 9.5% |
| Lorain County | 172 | 81 | 15 | 8.7% |
| Clermont County | 172 | 57 | 15 | 8.7% |
| Warren County | 171 | 81 | 11 | 6.4% |
| Stark County | 167 | 70 | 26 | 15.6% |
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: 5,665 applications in 2025, of which 2,477 were originated and 501 denied.
8.8% of all applications, or 14.6% of the applications it actually decided on. The Ohio statewide average across all lenders was 17.7%.
The median rate on loans Freedom Mortgage originated in Ohio in 2025 was 6.25%, against a statewide median of 6.88%.
About this data. Figures are Freedom 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