Mortgage Access in Ohio vs the state
3.5%Denial rate-14.18 pts vs state
6.7%Decision denial rate-15.22 pts vs state
47.4%Origination rate-12.53 pts vs state
6.63%Median rate-0.25 pts vs state
0.15Rate spread (pts)-0.24 pts vs state
$173kMedian applicant income
27Loans originated
2Denied
Trend in Ohio
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 52 | 31 | 3.9% | 6.99% | #388 |
| 2024 | 49 | 35 | 8.2% | 6.88% | #397 |
| 2025 | 57 | 27 | 3.5% | 6.63% | #392 |
What Mortgage Access lends in Ohio
By loan purpose
By loan type
Why it denied Ohio applicants
Where in Ohio
Counties with the most Mortgage Access applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Lorain County | 6 | 1 | 1 | 16.7% |
| Medina County | 5 | 3 | 0 | 0.0% |
| Cuyahoga County | 5 | 2 | 0 | 0.0% |
| Mahoning County | 3 | 1 | 0 | 0.0% |
| Wood County | 3 | 1 | 0 | 0.0% |
| Geauga County | 3 | 3 | 0 | 0.0% |
| Delaware County | 3 | 3 | 0 | 0.0% |
| Warren County | 3 | 1 | 0 | 0.0% |
| Columbiana County | 2 | 0 | 1 | 50.0% |
| Lake County | 2 | 0 | 0 | 0.0% |
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: 57 applications in 2025, of which 27 were originated and 2 denied.
3.5% of all applications, or 6.7% of the applications it actually decided on. The Ohio statewide average across all lenders was 17.7%.
The median rate on loans Mortgage Access originated in Ohio in 2025 was 6.63%, against a statewide median of 6.88%.
About this data. Figures are Mortgage Access'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