Northern Mortgage Services in Ohio vs the state
2.4%Denial rate-15.28 pts vs state
3.0%Decision denial rate-18.89 pts vs state
75.9%Origination rate+16.00 pts vs state
6.63%Median rate-0.25 pts vs state
0.60Rate spread (pts)+0.22 pts vs state
$68kMedian applicant income
189Loans originated
6Denied
Trend in Ohio
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 193 | 158 | 2.6% | 6.63% | #226 |
| 2024 | 312 | 257 | 2.9% | 6.63% | #168 |
| 2025 | 249 | 189 | 2.4% | 6.63% | #209 |
What Northern Mortgage Services lends in Ohio
By loan purpose
By loan type
Why it denied Ohio applicants
Where in Ohio
Counties with the most Northern Mortgage Services applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Lorain County | 106 | 91 | 2 | 1.9% |
| Cuyahoga County | 57 | 37 | 3 | 5.3% |
| Montgomery County | 22 | 11 | 1 | 4.5% |
| Clark County | 10 | 10 | 0 | 0.0% |
| Erie County | 7 | 6 | 0 | 0.0% |
| Summit County | 6 | 4 | 0 | 0.0% |
| Miami County | 5 | 3 | 0 | 0.0% |
| Greene County | 5 | 3 | 0 | 0.0% |
| Medina County | 4 | 2 | 0 | 0.0% |
| Franklin 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: 249 applications in 2025, of which 189 were originated and 6 denied.
2.4% of all applications, or 3.0% of the applications it actually decided on. The Ohio statewide average across all lenders was 17.7%.
The median rate on loans Northern Mortgage Services originated in Ohio in 2025 was 6.63%, against a statewide median of 6.88%.
About this data. Figures are Northern Mortgage Services'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