Home Mortgage Alliance Corporation (HMAC) in Ohio vs the state
5.9%Denial rate-11.81 pts vs state
7.6%Decision denial rate-14.34 pts vs state
70.6%Origination rate+10.69 pts vs state
6.88%Median rate0.00 pts vs state
0.74Rate spread (pts)+0.35 pts vs state
$113kMedian applicant income
48Loans originated
4Denied
Trend in Ohio
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 16 | 9 | 6.3% | 7.63% | #550 |
| 2024 | 38 | 22 | 0.0% | 7.50% | #433 |
| 2025 | 68 | 48 | 5.9% | 6.88% | #369 |
What Home Mortgage Alliance Corporation (HMAC) lends in Ohio
By loan purpose
By loan type
Why it denied Ohio applicants
Where in Ohio
Counties with the most Home Mortgage Alliance Corporation (HMAC) applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Franklin County | 41 | 27 | 3 | 7.3% |
| Lucas County | 8 | 5 | 0 | 0.0% |
| Montgomery County | 5 | 4 | 0 | 0.0% |
| Delaware County | 4 | 4 | 0 | 0.0% |
| Stark County | 2 | 2 | 0 | 0.0% |
| Summit County | 2 | 1 | 1 | 50.0% |
| Butler County | 1 | 1 | 0 | 0.0% |
| Cuyahoga County | 1 | 0 | 0 | 0.0% |
| Warren County | 1 | 1 | 0 | 0.0% |
| Union 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: 68 applications in 2025, of which 48 were originated and 4 denied.
5.9% of all applications, or 7.6% of the applications it actually decided on. The Ohio statewide average across all lenders was 17.7%.
The median rate on loans Home Mortgage Alliance Corporation (HMAC) originated in Ohio in 2025 was 6.88%, against a statewide median of 6.88%.
About this data. Figures are Home Mortgage Alliance Corporation (HMAC)'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