HomePromise in Ohio vs the state
50.5%Denial rate+32.83 pts vs state
89.1%Decision denial rate+67.20 pts vs state
6.2%Origination rate-53.71 pts vs state
7.25%Median rate+0.38 pts vs state
0.64Rate spread (pts)+0.25 pts vs state
$71kMedian applicant income
6Loans originated
49Denied
Trend in Ohio
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 159 | 5 | 57.2% | 7.50% | #245 |
| 2024 | 129 | 10 | 56.6% | 7.31% | #274 |
| 2025 | 97 | 6 | 50.5% | 7.25% | #328 |
What HomePromise lends in Ohio
By loan purpose
By loan type
Why it denied Ohio applicants
Where in Ohio
Counties with the most HomePromise applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Mahoning County | 10 | 0 | 5 | 50.0% |
| Cuyahoga County | 8 | 1 | 4 | 50.0% |
| Lucas County | 6 | 1 | 1 | 16.7% |
| Franklin County | 5 | 0 | 2 | 40.0% |
| Hamilton County | 5 | 0 | 4 | 80.0% |
| Montgomery County | 5 | 0 | 4 | 80.0% |
| Lake County | 5 | 0 | 2 | 40.0% |
| Knox County | 5 | 1 | 2 | 40.0% |
| Stark County | 4 | 0 | 3 | 75.0% |
| Ashland County | 4 | 0 | 4 | 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: 97 applications in 2025, of which 6 were originated and 49 denied.
50.5% of all applications, or 89.1% of the applications it actually decided on. The Ohio statewide average across all lenders was 17.7%.
The median rate on loans HomePromise originated in Ohio in 2025 was 7.25%, against a statewide median of 6.88%.
About this data. Figures are HomePromise'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