Kiavi Funding in Ohio vs the state
4.9%Denial rate-12.81 pts vs state
8.7%Decision denial rate-13.15 pts vs state
49.3%Origination rate-10.64 pts vs state
9.95%Median rate+3.07 pts vs state
—Rate spread (pts)
—Median applicant income
1,967Loans originated
195Denied
Trend in Ohio
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 1,456 | 913 | 12.0% | 10.95% | #56 |
| 2024 | 2,260 | 1,755 | 7.8% | 10.75% | #41 |
| 2025 | 3,993 | 1,967 | 4.9% | 9.95% | #26 |
What Kiavi Funding lends in Ohio
By loan purpose
By loan type
Why it denied Ohio applicants
Where in Ohio
Counties with the most Kiavi Funding applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Cuyahoga County | 1,026 | 541 | 59 | 5.8% |
| Franklin County | 567 | 311 | 30 | 5.3% |
| Hamilton County | 416 | 216 | 12 | 2.9% |
| Mahoning County | 242 | 141 | 0 | 0.0% |
| Summit County | 235 | 91 | 11 | 4.7% |
| Lorain County | 216 | 24 | 7 | 3.2% |
| Montgomery County | 172 | 81 | 11 | 6.4% |
| Butler County | 150 | 77 | 3 | 2.0% |
| Stark County | 134 | 32 | 2 | 1.5% |
| Lucas County | 132 | 75 | 6 | 4.5% |
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: 3,993 applications in 2025, of which 1,967 were originated and 195 denied.
4.9% of all applications, or 8.7% of the applications it actually decided on. The Ohio statewide average across all lenders was 17.7%.
The median rate on loans Kiavi Funding originated in Ohio in 2025 was 9.95%, against a statewide median of 6.88%.
About this data. Figures are Kiavi Funding'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