Guaranteed Rate Affinity in Ohio vs the state
5.9%Denial rate-11.82 pts vs state
8.4%Decision denial rate-13.47 pts vs state
63.0%Origination rate+3.14 pts vs state
6.63%Median rate-0.25 pts vs state
0.26Rate spread (pts)-0.13 pts vs state
$114kMedian applicant income
677Loans originated
63Denied
Trend in Ohio
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 940 | 624 | 3.4% | 6.63% | #81 |
| 2024 | 1,067 | 677 | 5.2% | 6.85% | #78 |
| 2025 | 1,074 | 677 | 5.9% | 6.63% | #84 |
What Guaranteed Rate Affinity lends in Ohio
By loan purpose
By loan type
Why it denied Ohio applicants
Where in Ohio
Counties with the most Guaranteed Rate Affinity applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Hamilton County | 329 | 209 | 21 | 6.4% |
| Franklin County | 182 | 116 | 9 | 4.9% |
| Clermont County | 110 | 70 | 6 | 5.5% |
| Butler County | 108 | 74 | 3 | 2.8% |
| Warren County | 67 | 43 | 2 | 3.0% |
| Delaware County | 38 | 22 | 0 | 0.0% |
| Union County | 30 | 21 | 2 | 6.7% |
| Licking County | 27 | 17 | 2 | 7.4% |
| Montgomery County | 20 | 8 | 2 | 10.0% |
| Pickaway County | 15 | 11 | 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: 1,074 applications in 2025, of which 677 were originated and 63 denied.
5.9% of all applications, or 8.4% of the applications it actually decided on. The Ohio statewide average across all lenders was 17.7%.
The median rate on loans Guaranteed Rate Affinity originated in Ohio in 2025 was 6.63%, against a statewide median of 6.88%.
About this data. Figures are Guaranteed Rate Affinity'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