Member First Mortgage in Ohio vs the state
22.6%Denial rate+4.86 pts vs state
45.1%Decision denial rate+23.21 pts vs state
24.5%Origination rate-35.39 pts vs state
6.75%Median rate-0.13 pts vs state
0.64Rate spread (pts)+0.25 pts vs state
$76kMedian applicant income
25Loans originated
23Denied
Trend in Ohio
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 68 | 25 | 22.1% | 6.50% | #350 |
| 2024 | 69 | 27 | 10.1% | 7.00% | #362 |
| 2025 | 102 | 25 | 22.6% | 6.75% | #325 |
What Member First Mortgage lends in Ohio
By loan purpose
By loan type
Why it denied Ohio applicants
Where in Ohio
Counties with the most Member First Mortgage applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Marion County | 12 | 2 | 6 | 50.0% |
| Lucas County | 10 | 1 | 2 | 20.0% |
| Wood County | 9 | 2 | 2 | 22.2% |
| Clermont County | 8 | 5 | 2 | 25.0% |
| Hamilton County | 7 | 1 | 2 | 28.6% |
| Washington County | 5 | 3 | 0 | 0.0% |
| Henry County | 5 | 0 | 0 | 0.0% |
| Ashtabula County | 5 | 2 | 0 | 0.0% |
| Warren County | 3 | 0 | 1 | 33.3% |
| Fulton County | 3 | 0 | 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: 102 applications in 2025, of which 25 were originated and 23 denied.
22.6% of all applications, or 45.1% of the applications it actually decided on. The Ohio statewide average across all lenders was 17.7%.
The median rate on loans Member First Mortgage originated in Ohio in 2025 was 6.75%, against a statewide median of 6.88%.
About this data. Figures are Member First 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