M/i Financial in Ohio vs the state
1.2%Denial rate-16.52 pts vs state
1.3%Decision denial rate-20.64 pts vs state
79.7%Origination rate+19.81 pts vs state
5.88%Median rate-1.00 pts vs state
-0.37Rate spread (pts)-0.75 pts vs state
$156kMedian applicant income
1,088Loans originated
16Denied
Trend in Ohio
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 970 | 634 | 1.3% | 6.38% | #77 |
| 2024 | 1,407 | 1,006 | 2.2% | 6.50% | #60 |
| 2025 | 1,365 | 1,088 | 1.2% | 5.88% | #68 |
What M/i Financial lends in Ohio
By loan purpose
By loan type
Why it denied Ohio applicants
Where in Ohio
Counties with the most M/i Financial applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Delaware County | 325 | 259 | 2 | 0.6% |
| Franklin County | 233 | 190 | 2 | 0.9% |
| Butler County | 170 | 129 | 8 | 4.7% |
| Union County | 162 | 132 | 0 | 0.0% |
| Montgomery County | 118 | 94 | 0 | 0.0% |
| Warren County | 66 | 50 | 1 | 1.5% |
| Pickaway County | 62 | 54 | 0 | 0.0% |
| Greene County | 58 | 45 | 0 | 0.0% |
| Clermont County | 41 | 32 | 0 | 0.0% |
| Hamilton County | 35 | 26 | 1 | 2.9% |
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: 1,365 applications in 2025, of which 1,088 were originated and 16 denied.
1.2% of all applications, or 1.3% of the applications it actually decided on. The Ohio statewide average across all lenders was 17.7%.
The median rate on loans M/i Financial originated in Ohio in 2025 was 5.88%, against a statewide median of 6.88%.
About this data. Figures are M/i Financial'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