Lower in Ohio vs the state
8.1%Denial rate-9.55 pts vs state
11.5%Decision denial rate-10.42 pts vs state
62.1%Origination rate+2.24 pts vs state
6.63%Median rate-0.25 pts vs state
0.42Rate spread (pts)+0.03 pts vs state
$102kMedian applicant income
1,641Loans originated
215Denied
Trend in Ohio
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 981 | 586 | 13.2% | 7.13% | #75 |
| 2024 | 2,845 | 1,912 | 8.5% | 6.99% | #36 |
| 2025 | 2,641 | 1,641 | 8.1% | 6.63% | #38 |
What Lower lends in Ohio
By loan purpose
By loan type
Why it denied Ohio applicants
Where in Ohio
Counties with the most Lower applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Franklin County | 877 | 548 | 47 | 5.4% |
| Delaware County | 158 | 112 | 5 | 3.2% |
| Fairfield County | 137 | 96 | 8 | 5.8% |
| Hamilton County | 116 | 77 | 13 | 11.2% |
| Cuyahoga County | 106 | 55 | 7 | 6.6% |
| Licking County | 100 | 71 | 6 | 6.0% |
| Montgomery County | 61 | 34 | 8 | 13.1% |
| Pickaway County | 60 | 42 | 6 | 10.0% |
| Butler County | 50 | 29 | 6 | 12.0% |
| Marion County | 48 | 29 | 7 | 14.6% |
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: 2,641 applications in 2025, of which 1,641 were originated and 215 denied.
8.1% of all applications, or 11.5% of the applications it actually decided on. The Ohio statewide average across all lenders was 17.7%.
The median rate on loans Lower originated in Ohio in 2025 was 6.63%, against a statewide median of 6.88%.
About this data. Figures are Lower'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