Hometown Equity Mortgage in Ohio vs the state
48.3%Denial rate+30.57 pts vs state
49.5%Decision denial rate+27.60 pts vs state
48.8%Origination rate-11.14 pts vs state
7.38%Median rate+0.50 pts vs state
0.66Rate spread (pts)+0.27 pts vs state
$72kMedian applicant income
98Loans originated
97Denied
Trend in Ohio
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 87 | 46 | 33.3% | 6.75% | #320 |
| 2024 | 97 | 52 | 41.2% | 6.69% | #312 |
| 2025 | 201 | 98 | 48.3% | 7.38% | #237 |
What Hometown Equity Mortgage lends in Ohio
By loan purpose
By loan type
Why it denied Ohio applicants
Where in Ohio
Counties with the most Hometown Equity Mortgage applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Cuyahoga County | 54 | 22 | 31 | 57.4% |
| Franklin County | 30 | 16 | 13 | 43.3% |
| Lucas County | 12 | 7 | 5 | 41.7% |
| Hamilton County | 11 | 3 | 6 | 54.5% |
| Montgomery County | 10 | 3 | 7 | 70.0% |
| Miami County | 7 | 3 | 4 | 57.1% |
| Summit County | 6 | 2 | 4 | 66.7% |
| Richland County | 5 | 2 | 3 | 60.0% |
| Lorain County | 4 | 2 | 1 | 25.0% |
| Knox County | 4 | 3 | 1 | 25.0% |
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: 201 applications in 2025, of which 98 were originated and 97 denied.
48.3% of all applications, or 49.5% of the applications it actually decided on. The Ohio statewide average across all lenders was 17.7%.
The median rate on loans Hometown Equity Mortgage originated in Ohio in 2025 was 7.38%, against a statewide median of 6.88%.
About this data. Figures are Hometown Equity Mortgage'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