Mortgage Research Center in Ohio vs the state
18.3%Denial rate+0.65 pts vs state
27.6%Decision denial rate+5.67 pts vs state
47.5%Origination rate-12.37 pts vs state
6.25%Median rate-0.63 pts vs state
-0.17Rate spread (pts)-0.55 pts vs state
$84kMedian applicant income
3,302Loans originated
1,274Denied
Trend in Ohio
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 4,717 | 2,466 | 15.8% | 6.75% | #14 |
| 2024 | 6,053 | 3,198 | 15.1% | 6.63% | #13 |
| 2025 | 6,947 | 3,302 | 18.3% | 6.25% | #13 |
What Mortgage Research Center lends in Ohio
By loan purpose
By loan type
Why it denied Ohio applicants
Where in Ohio
Counties with the most Mortgage Research Center applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Montgomery County | 597 | 313 | 84 | 14.1% |
| Cuyahoga County | 527 | 254 | 109 | 20.7% |
| Franklin County | 433 | 190 | 83 | 19.2% |
| Hamilton County | 306 | 144 | 45 | 14.7% |
| Stark County | 288 | 167 | 44 | 15.3% |
| Summit County | 268 | 113 | 60 | 22.4% |
| Greene County | 225 | 103 | 34 | 15.1% |
| Lucas County | 221 | 101 | 45 | 20.4% |
| Butler County | 209 | 107 | 29 | 13.9% |
| Lorain County | 194 | 96 | 31 | 16.0% |
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: 6,947 applications in 2025, of which 3,302 were originated and 1,274 denied.
18.3% of all applications, or 27.6% of the applications it actually decided on. The Ohio statewide average across all lenders was 17.7%.
The median rate on loans Mortgage Research Center originated in Ohio in 2025 was 6.25%, against a statewide median of 6.88%.
About this data. Figures are Mortgage Research Center'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