NVR Mortgage Finance in Ohio vs the state
15.8%Denial rate-1.91 pts vs state
17.5%Decision denial rate-4.44 pts vs state
74.7%Origination rate+14.78 pts vs state
6.25%Median rate-0.63 pts vs state
-0.10Rate spread (pts)-0.49 pts vs state
$113kMedian applicant income
1,817Loans originated
384Denied
Trend in Ohio
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 2,635 | 1,895 | 18.6% | 5.88% | #30 |
| 2024 | 2,545 | 1,884 | 17.3% | 6.38% | #39 |
| 2025 | 2,433 | 1,817 | 15.8% | 6.25% | #42 |
What NVR Mortgage Finance lends in Ohio
By loan purpose
By loan type
Why it denied Ohio applicants
Where in Ohio
Counties with the most NVR Mortgage Finance applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Lorain County | 370 | 301 | 56 | 15.1% |
| Montgomery County | 233 | 133 | 61 | 26.2% |
| Clermont County | 212 | 169 | 19 | 9.0% |
| Delaware County | 210 | 175 | 24 | 11.4% |
| Summit County | 169 | 118 | 31 | 18.3% |
| Stark County | 167 | 105 | 42 | 25.1% |
| Lake County | 129 | 97 | 23 | 17.8% |
| Greene County | 126 | 103 | 9 | 7.1% |
| Warren County | 118 | 102 | 8 | 6.8% |
| Cuyahoga County | 117 | 87 | 21 | 17.9% |
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: 2,433 applications in 2025, of which 1,817 were originated and 384 denied.
15.8% of all applications, or 17.5% of the applications it actually decided on. The Ohio statewide average across all lenders was 17.7%.
The median rate on loans NVR Mortgage Finance originated in Ohio in 2025 was 6.25%, against a statewide median of 6.88%.
About this data. Figures are NVR Mortgage Finance'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