Nations Lending in Ohio vs the state
4.8%Denial rate-12.89 pts vs state
5.1%Decision denial rate-16.78 pts vs state
83.1%Origination rate+23.18 pts vs state
6.75%Median rate-0.13 pts vs state
0.47Rate spread (pts)+0.08 pts vs state
$81kMedian applicant income
658Loans originated
38Denied
Trend in Ohio
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 772 | 621 | 5.6% | 6.88% | #89 |
| 2024 | 688 | 571 | 4.8% | 6.75% | #107 |
| 2025 | 792 | 658 | 4.8% | 6.75% | #102 |
What Nations Lending lends in Ohio
By loan purpose
By loan type
Why it denied Ohio applicants
Where in Ohio
Counties with the most Nations Lending applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Cuyahoga County | 165 | 130 | 9 | 5.5% |
| Summit County | 128 | 112 | 0 | 0.0% |
| Stark County | 109 | 101 | 0 | 0.0% |
| Tuscarawas County | 53 | 51 | 1 | 1.9% |
| Franklin County | 42 | 36 | 3 | 7.1% |
| Lorain County | 35 | 29 | 2 | 5.7% |
| Medina County | 32 | 30 | 1 | 3.1% |
| Portage County | 19 | 15 | 0 | 0.0% |
| Trumbull County | 13 | 11 | 1 | 7.7% |
| Licking County | 11 | 7 | 1 | 9.1% |
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: 792 applications in 2025, of which 658 were originated and 38 denied.
4.8% of all applications, or 5.1% of the applications it actually decided on. The Ohio statewide average across all lenders was 17.7%.
The median rate on loans Nations Lending originated in Ohio in 2025 was 6.75%, against a statewide median of 6.88%.
About this data. Figures are Nations Lending'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