OceanFirst Bank in Ohio vs the state
7.1%Denial rate-10.55 pts vs state
9.1%Decision denial rate-12.80 pts vs state
57.1%Origination rate-2.76 pts vs state
6.38%Median rate-0.50 pts vs state
0.24Rate spread (pts)-0.15 pts vs state
$182kMedian applicant income
8Loans originated
1Denied
What OceanFirst Bank lends in Ohio
By loan purpose
By loan type
Why it denied Ohio applicants
Where in Ohio
Counties with the most OceanFirst Bank applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Cuyahoga County | 7 | 5 | 0 | 0.0% |
| Stark County | 2 | 1 | 0 | 0.0% |
| Miami County | 2 | 1 | 0 | 0.0% |
| Coshocton County | 1 | 0 | 1 | 100.0% |
| Clermont County | 1 | 1 | 0 | 0.0% |
| Lake County | 1 | 0 | 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: 14 applications in 2025, of which 8 were originated and 1 denied.
7.1% of all applications, or 9.1% of the applications it actually decided on. The Ohio statewide average across all lenders was 17.7%.
The median rate on loans OceanFirst Bank originated in Ohio in 2025 was 6.38%, against a statewide median of 6.88%.
About this data. Figures are OceanFirst Bank'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