Michigan Mutual in Ohio vs the state
8.7%Denial rate-9.03 pts vs state
10.9%Decision denial rate-11.00 pts vs state
53.5%Origination rate-6.36 pts vs state
7.25%Median rate+0.38 pts vs state
0.97Rate spread (pts)+0.58 pts vs state
$73kMedian applicant income
68Loans originated
11Denied
Trend in Ohio
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 145 | 84 | 10.3% | 7.13% | #255 |
| 2024 | 176 | 110 | 13.1% | 6.93% | #235 |
| 2025 | 127 | 68 | 8.7% | 7.25% | #296 |
What Michigan Mutual lends in Ohio
By loan purpose
By loan type
Why it denied Ohio applicants
Where in Ohio
Counties with the most Michigan Mutual applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Lucas County | 34 | 15 | 5 | 14.7% |
| Cuyahoga County | 14 | 7 | 2 | 14.3% |
| Mahoning County | 10 | 4 | 0 | 0.0% |
| Trumbull County | 7 | 3 | 0 | 0.0% |
| Lorain County | 6 | 4 | 0 | 0.0% |
| Seneca County | 5 | 3 | 0 | 0.0% |
| Medina County | 5 | 4 | 0 | 0.0% |
| Hamilton County | 4 | 3 | 0 | 0.0% |
| Franklin County | 4 | 2 | 0 | 0.0% |
| Ottawa County | 4 | 2 | 1 | 25.0% |
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: 127 applications in 2025, of which 68 were originated and 11 denied.
8.7% of all applications, or 10.9% of the applications it actually decided on. The Ohio statewide average across all lenders was 17.7%.
The median rate on loans Michigan Mutual originated in Ohio in 2025 was 7.25%, against a statewide median of 6.88%.
About this data. Figures are Michigan Mutual'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