Homexpress Mortgage in Ohio vs the state
47.9%Denial rate+30.19 pts vs state
48.8%Decision denial rate+26.91 pts vs state
49.5%Origination rate-10.37 pts vs state
7.75%Median rate+0.88 pts vs state
1.32Rate spread (pts)+0.93 pts vs state
$124kMedian applicant income
210Loans originated
203Denied
Trend in Ohio
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 212 | 116 | 42.0% | 8.88% | #213 |
| 2024 | 188 | 103 | 42.6% | 8.88% | #226 |
| 2025 | 424 | 210 | 47.9% | 7.75% | #158 |
What Homexpress Mortgage lends in Ohio
By loan purpose
By loan type
Why it denied Ohio applicants
Where in Ohio
Counties with the most Homexpress Mortgage applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Cuyahoga County | 133 | 66 | 64 | 48.1% |
| Franklin County | 57 | 24 | 31 | 54.4% |
| Hamilton County | 42 | 21 | 20 | 47.6% |
| Montgomery County | 27 | 12 | 15 | 55.6% |
| Summit County | 19 | 9 | 10 | 52.6% |
| Licking County | 17 | 9 | 4 | 23.5% |
| Lake County | 15 | 10 | 5 | 33.3% |
| Stark County | 9 | 4 | 5 | 55.6% |
| Delaware County | 9 | 5 | 4 | 44.4% |
| Richland County | 8 | 2 | 6 | 75.0% |
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: 424 applications in 2025, of which 210 were originated and 203 denied.
47.9% of all applications, or 48.8% of the applications it actually decided on. The Ohio statewide average across all lenders was 17.7%.
The median rate on loans Homexpress Mortgage originated in Ohio in 2025 was 7.75%, against a statewide median of 6.88%.
About this data. Figures are Homexpress 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