Guidance Residential in Ohio vs the state
2.8%Denial rate-14.90 pts vs state
3.5%Decision denial rate-18.37 pts vs state
67.6%Origination rate+7.70 pts vs state
6.88%Median rate0.00 pts vs state
0.53Rate spread (pts)+0.14 pts vs state
$121kMedian applicant income
121Loans originated
5Denied
Trend in Ohio
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 92 | 54 | 7.6% | 7.38% | #316 |
| 2024 | 127 | 78 | 2.4% | 7.00% | #276 |
| 2025 | 179 | 121 | 2.8% | 6.88% | #254 |
What Guidance Residential lends in Ohio
By loan purpose
By loan type
Why it denied Ohio applicants
Where in Ohio
Counties with the most Guidance Residential applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Franklin County | 72 | 52 | 2 | 2.8% |
| Cuyahoga County | 22 | 15 | 0 | 0.0% |
| Lucas County | 10 | 8 | 0 | 0.0% |
| Warren County | 10 | 5 | 0 | 0.0% |
| Summit County | 10 | 5 | 1 | 10.0% |
| Butler County | 9 | 6 | 0 | 0.0% |
| Montgomery County | 7 | 4 | 0 | 0.0% |
| Hamilton County | 6 | 4 | 0 | 0.0% |
| Greene County | 6 | 4 | 0 | 0.0% |
| Delaware County | 5 | 2 | 1 | 20.0% |
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: 179 applications in 2025, of which 121 were originated and 5 denied.
2.8% of all applications, or 3.5% of the applications it actually decided on. The Ohio statewide average across all lenders was 17.7%.
The median rate on loans Guidance Residential originated in Ohio in 2025 was 6.88%, against a statewide median of 6.88%.
About this data. Figures are Guidance Residential'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