Liberty in Ohio vs the state
8.3%Denial rate-9.43 pts vs state
11.4%Decision denial rate-10.53 pts vs state
63.6%Origination rate+3.74 pts vs state
6.50%Median rate-0.38 pts vs state
0.24Rate spread (pts)-0.15 pts vs state
$120kMedian applicant income
77Loans originated
10Denied
Trend in Ohio
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 49 | 34 | 6.1% | 7.56% | #399 |
| 2024 | 57 | 35 | 10.5% | 7.25% | #378 |
| 2025 | 121 | 77 | 8.3% | 6.50% | #301 |
What Liberty lends in Ohio
By loan purpose
By loan type
Why it denied Ohio applicants
Where in Ohio
Counties with the most Liberty applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Hamilton County | 45 | 29 | 1 | 2.2% |
| Butler County | 16 | 11 | 4 | 25.0% |
| Clermont County | 12 | 9 | 0 | 0.0% |
| Warren County | 6 | 4 | 1 | 16.7% |
| Montgomery County | 5 | 1 | 1 | 20.0% |
| Mahoning County | 4 | 1 | 0 | 0.0% |
| Clinton County | 4 | 1 | 0 | 0.0% |
| Franklin County | 4 | 1 | 1 | 25.0% |
| Cuyahoga County | 3 | 3 | 0 | 0.0% |
| Columbiana County | 3 | 2 | 1 | 33.3% |
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: 121 applications in 2025, of which 77 were originated and 10 denied.
8.3% of all applications, or 11.4% of the applications it actually decided on. The Ohio statewide average across all lenders was 17.7%.
The median rate on loans Liberty originated in Ohio in 2025 was 6.50%, against a statewide median of 6.88%.
About this data. Figures are Liberty'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