Horizon Bank in Ohio vs the state
50.0%Denial rate+32.31 pts vs state
60.0%Decision denial rate+38.11 pts vs state
33.3%Origination rate-26.57 pts vs state
5.98%Median rate-0.90 pts vs state
-1.07Rate spread (pts)-1.46 pts vs state
$68kMedian applicant income
2Loans originated
3Denied
Trend in Ohio
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 8 | 2 | 37.5% | 7.94% | #646 |
| 2024 | 5 | 2 | 40.0% | 8.13% | #691 |
| 2025 | 6 | 2 | 50.0% | 5.98% | #686 |
What Horizon Bank lends in Ohio
By loan purpose
By loan type
Why it denied Ohio applicants
Where in Ohio
Counties with the most Horizon Bank applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Hamilton County | 1 | 0 | 0 | 0.0% |
| Lucas County | 1 | 1 | 0 | 0.0% |
| Defiance County | 1 | 0 | 1 | 100.0% |
| Ashland County | 1 | 0 | 1 | 100.0% |
| Paulding County | 1 | 1 | 0 | 0.0% |
| Franklin 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: 6 applications in 2025, of which 2 were originated and 3 denied.
50.0% of all applications, or 60.0% of the applications it actually decided on. The Ohio statewide average across all lenders was 17.7%.
The median rate on loans Horizon Bank originated in Ohio in 2025 was 5.98%, against a statewide median of 6.88%.
About this data. Figures are Horizon 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