Home Loan Investment Bank in Ohio vs the state
14.7%Denial rate-2.98 pts vs state
23.8%Decision denial rate+1.92 pts vs state
47.1%Origination rate-12.84 pts vs state
7.25%Median rate+0.38 pts vs state
2.68Rate spread (pts)+2.30 pts vs state
$110kMedian applicant income
16Loans originated
5Denied
Trend in Ohio
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 79 | 28 | 31.7% | 8.95% | #331 |
| 2024 | 35 | 13 | 25.7% | 8.25% | #447 |
| 2025 | 34 | 16 | 14.7% | 7.25% | #456 |
What Home Loan Investment Bank lends in Ohio
By loan purpose
By loan type
Why it denied Ohio applicants
Where in Ohio
Counties with the most Home Loan Investment Bank applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Delaware County | 3 | 0 | 1 | 33.3% |
| Cuyahoga County | 3 | 2 | 0 | 0.0% |
| Franklin County | 3 | 2 | 0 | 0.0% |
| Marion County | 3 | 1 | 0 | 0.0% |
| Fairfield County | 2 | 1 | 1 | 50.0% |
| Hamilton County | 2 | 2 | 0 | 0.0% |
| Huron County | 2 | 2 | 0 | 0.0% |
| Fulton County | 2 | 0 | 0 | 0.0% |
| Washington County | 1 | 0 | 0 | 0.0% |
| Madison County | 1 | 0 | 1 | 100.0% |
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: 34 applications in 2025, of which 16 were originated and 5 denied.
14.7% of all applications, or 23.8% of the applications it actually decided on. The Ohio statewide average across all lenders was 17.7%.
The median rate on loans Home Loan Investment Bank originated in Ohio in 2025 was 7.25%, against a statewide median of 6.88%.
About this data. Figures are Home Loan Investment 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