Lima One Capital in Ohio vs the state
20.5%Denial rate+2.82 pts vs state
26.0%Decision denial rate+4.08 pts vs state
58.5%Origination rate-1.44 pts vs state
8.23%Median rate+1.35 pts vs state
—Rate spread (pts)
—Median applicant income
114Loans originated
40Denied
Trend in Ohio
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 277 | 277 | 0.0% | 8.86% | #172 |
| 2024 | 461 | 267 | 20.4% | 7.95% | #126 |
| 2025 | 195 | 114 | 20.5% | 8.23% | #242 |
What Lima One Capital lends in Ohio
By loan purpose
By loan type
Why it denied Ohio applicants
Where in Ohio
Counties with the most Lima One Capital applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Cuyahoga County | 45 | 26 | 9 | 20.0% |
| Hamilton County | 23 | 14 | 2 | 8.7% |
| Franklin County | 19 | 10 | 3 | 15.8% |
| Montgomery County | 16 | 10 | 4 | 25.0% |
| Lucas County | 11 | 8 | 2 | 18.2% |
| Richland County | 10 | 8 | 1 | 10.0% |
| Butler County | 10 | 8 | 1 | 10.0% |
| Summit County | 8 | 3 | 2 | 25.0% |
| Stark County | 7 | 6 | 0 | 0.0% |
| Mahoning County | 6 | 3 | 2 | 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: 195 applications in 2025, of which 114 were originated and 40 denied.
20.5% of all applications, or 26.0% of the applications it actually decided on. The Ohio statewide average across all lenders was 17.7%.
The median rate on loans Lima One Capital originated in Ohio in 2025 was 8.23%, against a statewide median of 6.88%.
About this data. Figures are Lima One Capital'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