Guaranteed Rate in Ohio vs the state
3.9%Denial rate-13.84 pts vs state
6.3%Decision denial rate-15.62 pts vs state
56.4%Origination rate-3.49 pts vs state
6.58%Median rate-0.30 pts vs state
0.22Rate spread (pts)-0.16 pts vs state
$103kMedian applicant income
2,795Loans originated
191Denied
Trend in Ohio
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 3,974 | 2,471 | 3.0% | 6.63% | #19 |
| 2024 | 4,511 | 3,043 | 3.4% | 6.63% | #19 |
| 2025 | 4,955 | 2,795 | 3.9% | 6.58% | #19 |
What Guaranteed Rate lends in Ohio
By loan purpose
By loan type
Why it denied Ohio applicants
Where in Ohio
Counties with the most Guaranteed Rate applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Franklin County | 1,016 | 536 | 32 | 3.1% |
| Cuyahoga County | 446 | 241 | 14 | 3.1% |
| Hamilton County | 423 | 254 | 16 | 3.8% |
| Montgomery County | 265 | 155 | 13 | 4.9% |
| Ross County | 237 | 188 | 3 | 1.3% |
| Summit County | 213 | 125 | 5 | 2.3% |
| Stark County | 168 | 110 | 9 | 5.4% |
| Delaware County | 160 | 82 | 5 | 3.1% |
| Warren County | 108 | 55 | 5 | 4.6% |
| Lucas County | 108 | 56 | 11 | 10.2% |
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: 4,955 applications in 2025, of which 2,795 were originated and 191 denied.
3.9% of all applications, or 6.3% of the applications it actually decided on. The Ohio statewide average across all lenders was 17.7%.
The median rate on loans Guaranteed Rate originated in Ohio in 2025 was 6.58%, against a statewide median of 6.88%.
About this data. Figures are Guaranteed Rate'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