Liberty Home Mortgage in Ohio vs the state
5.1%Denial rate-12.59 pts vs state
7.0%Decision denial rate-14.92 pts vs state
67.9%Origination rate+7.98 pts vs state
6.88%Median rate0.00 pts vs state
0.92Rate spread (pts)+0.54 pts vs state
$75kMedian applicant income
746Loans originated
56Denied
Trend in Ohio
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 1,138 | 733 | 7.0% | 7.13% | #64 |
| 2024 | 1,092 | 712 | 6.6% | 7.00% | #77 |
| 2025 | 1,099 | 746 | 5.1% | 6.88% | #82 |
What Liberty Home Mortgage lends in Ohio
By loan purpose
By loan type
Why it denied Ohio applicants
Where in Ohio
Counties with the most Liberty Home Mortgage applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Cuyahoga County | 330 | 225 | 15 | 4.5% |
| Summit County | 120 | 88 | 4 | 3.3% |
| Lake County | 86 | 64 | 5 | 5.8% |
| Lorain County | 61 | 38 | 2 | 3.3% |
| Portage County | 39 | 31 | 1 | 2.6% |
| Stark County | 39 | 26 | 1 | 2.6% |
| Trumbull County | 32 | 21 | 3 | 9.4% |
| Medina County | 30 | 21 | 0 | 0.0% |
| Mahoning County | 30 | 18 | 2 | 6.7% |
| Montgomery County | 28 | 18 | 2 | 7.1% |
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: 1,099 applications in 2025, of which 746 were originated and 56 denied.
5.1% of all applications, or 7.0% of the applications it actually decided on. The Ohio statewide average across all lenders was 17.7%.
The median rate on loans Liberty Home Mortgage originated in Ohio in 2025 was 6.88%, against a statewide median of 6.88%.
About this data. Figures are Liberty Home 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