OCMBC in Ohio vs the state
7.7%Denial rate-9.95 pts vs state
10.3%Decision denial rate-11.63 pts vs state
50.7%Origination rate-9.24 pts vs state
7.50%Median rate+0.62 pts vs state
1.94Rate spread (pts)+1.55 pts vs state
$94kMedian applicant income
229Loans originated
35Denied
Trend in Ohio
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 116 | 53 | 28.5% | 8.13% | #284 |
| 2024 | 206 | 106 | 11.2% | 7.88% | #214 |
| 2025 | 452 | 229 | 7.7% | 7.50% | #151 |
What OCMBC lends in Ohio
By loan purpose
By loan type
Why it denied Ohio applicants
Where in Ohio
Counties with the most OCMBC applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Franklin County | 117 | 59 | 12 | 10.3% |
| Cuyahoga County | 114 | 55 | 8 | 7.0% |
| Hamilton County | 31 | 17 | 1 | 3.2% |
| Montgomery County | 24 | 16 | 1 | 4.2% |
| Summit County | 21 | 9 | 2 | 9.5% |
| Lucas County | 16 | 12 | 1 | 6.3% |
| Lorain County | 10 | 4 | 0 | 0.0% |
| Butler County | 9 | 3 | 0 | 0.0% |
| Clinton County | 7 | 3 | 1 | 14.3% |
| Champaign County | 6 | 5 | 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: 452 applications in 2025, of which 229 were originated and 35 denied.
7.7% of all applications, or 10.3% of the applications it actually decided on. The Ohio statewide average across all lenders was 17.7%.
The median rate on loans OCMBC originated in Ohio in 2025 was 7.50%, against a statewide median of 6.88%.
About this data. Figures are OCMBC'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