Heritage Bank in Ohio vs the state
23.1%Denial rate+5.39 pts vs state
25.9%Decision denial rate+3.97 pts vs state
66.2%Origination rate+6.25 pts vs state
—Median rate
—Rate spread (pts)
$128kMedian applicant income
43Loans originated
15Denied
Trend in Ohio
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 58 | 56 | 1.7% | — | #373 |
| 2024 | 65 | 43 | 26.2% | — | #368 |
| 2025 | 65 | 43 | 23.1% | — | #376 |
What Heritage Bank lends in Ohio
By loan purpose
By loan type
Where in Ohio
Counties with the most Heritage Bank applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Hamilton County | 34 | 22 | 10 | 29.4% |
| Warren County | 14 | 11 | 1 | 7.1% |
| Butler County | 6 | 4 | 1 | 16.7% |
| Clermont County | 5 | 3 | 1 | 20.0% |
| Greene County | 3 | 1 | 2 | 66.7% |
| Montgomery County | 1 | 1 | 0 | 0.0% |
| Brown County | 1 | 0 | 0 | 0.0% |
| Adams County | 1 | 1 | 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: 65 applications in 2025, of which 43 were originated and 15 denied.
23.1% of all applications, or 25.9% of the applications it actually decided on. The Ohio statewide average across all lenders was 17.7%.
This lender did not report interest rates on its originated loans (some institutions are exempt from HMDA pricing fields).
About this data. Figures are Heritage Bank'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