Geneva Financial in Ohio vs the state
2.1%Denial rate-15.57 pts vs state
3.0%Decision denial rate-18.89 pts vs state
68.5%Origination rate+8.57 pts vs state
6.88%Median rate0.00 pts vs state
0.79Rate spread (pts)+0.40 pts vs state
$72kMedian applicant income
291Loans originated
9Denied
Trend in Ohio
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 449 | 298 | 2.5% | 7.25% | #120 |
| 2024 | 456 | 306 | 3.7% | 7.13% | #127 |
| 2025 | 425 | 291 | 2.1% | 6.88% | #157 |
What Geneva Financial lends in Ohio
By loan purpose
By loan type
Why it denied Ohio applicants
Where in Ohio
Counties with the most Geneva Financial applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Franklin County | 126 | 80 | 3 | 2.4% |
| Montgomery County | 47 | 33 | 1 | 2.1% |
| Hamilton County | 42 | 25 | 0 | 0.0% |
| Allen County | 25 | 16 | 1 | 4.0% |
| Cuyahoga County | 23 | 14 | 0 | 0.0% |
| Stark County | 22 | 16 | 0 | 0.0% |
| Summit County | 14 | 12 | 0 | 0.0% |
| Butler County | 11 | 9 | 0 | 0.0% |
| Licking County | 11 | 9 | 0 | 0.0% |
| Delaware County | 8 | 6 | 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: 425 applications in 2025, of which 291 were originated and 9 denied.
2.1% of all applications, or 3.0% of the applications it actually decided on. The Ohio statewide average across all lenders was 17.7%.
The median rate on loans Geneva Financial originated in Ohio in 2025 was 6.88%, against a statewide median of 6.88%.
About this data. Figures are Geneva Financial'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