Nations Direct Mortgage in Ohio vs the state
6.1%Denial rate-11.64 pts vs state
7.6%Decision denial rate-14.31 pts vs state
73.8%Origination rate+13.89 pts vs state
6.62%Median rate-0.26 pts vs state
0.31Rate spread (pts)-0.08 pts vs state
$80kMedian applicant income
183Loans originated
15Denied
Trend in Ohio
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 118 | 57 | 18.6% | 7.25% | #279 |
| 2024 | 229 | 161 | 9.6% | 6.75% | #202 |
| 2025 | 248 | 183 | 6.1% | 6.62% | #210 |
What Nations Direct Mortgage lends in Ohio
By loan purpose
By loan type
Why it denied Ohio applicants
Where in Ohio
Counties with the most Nations Direct Mortgage applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Hamilton County | 54 | 39 | 4 | 7.4% |
| Cuyahoga County | 43 | 32 | 3 | 7.0% |
| Franklin County | 42 | 30 | 2 | 4.8% |
| Lorain County | 20 | 19 | 0 | 0.0% |
| Clermont County | 13 | 10 | 2 | 15.4% |
| Butler County | 10 | 6 | 2 | 20.0% |
| Medina County | 8 | 7 | 0 | 0.0% |
| Lake County | 7 | 6 | 0 | 0.0% |
| Delaware County | 5 | 3 | 0 | 0.0% |
| Summit County | 4 | 3 | 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: 248 applications in 2025, of which 183 were originated and 15 denied.
6.1% of all applications, or 7.6% of the applications it actually decided on. The Ohio statewide average across all lenders was 17.7%.
The median rate on loans Nations Direct Mortgage originated in Ohio in 2025 was 6.62%, against a statewide median of 6.88%.
About this data. Figures are Nations Direct 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