Pennymac Loan Services in Ohio vs the state
11.8%Denial rate-5.88 pts vs state
18.1%Decision denial rate-3.83 pts vs state
51.4%Origination rate-8.50 pts vs state
6.49%Median rate-0.38 pts vs state
0.38Rate spread (pts)-0.01 pts vs state
$92kMedian applicant income
2,964Loans originated
681Denied
Trend in Ohio
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 2,457 | 1,128 | 14.3% | 6.63% | #33 |
| 2024 | 3,694 | 1,815 | 11.9% | 6.25% | #23 |
| 2025 | 5,767 | 2,964 | 11.8% | 6.49% | #16 |
What Pennymac Loan Services lends in Ohio
By loan purpose
By loan type
Why it denied Ohio applicants
Where in Ohio
Counties with the most Pennymac Loan Services applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Franklin County | 725 | 442 | 81 | 11.2% |
| Cuyahoga County | 508 | 242 | 72 | 14.2% |
| Hamilton County | 361 | 164 | 45 | 12.5% |
| Montgomery County | 288 | 137 | 33 | 11.5% |
| Summit County | 257 | 128 | 31 | 12.1% |
| Lorain County | 235 | 118 | 28 | 11.9% |
| Butler County | 223 | 114 | 22 | 9.9% |
| Stark County | 171 | 90 | 11 | 6.4% |
| Clermont County | 152 | 77 | 15 | 9.9% |
| Fairfield County | 148 | 79 | 17 | 11.5% |
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: 5,767 applications in 2025, of which 2,964 were originated and 681 denied.
11.8% of all applications, or 18.1% of the applications it actually decided on. The Ohio statewide average across all lenders was 17.7%.
The median rate on loans Pennymac Loan Services originated in Ohio in 2025 was 6.49%, against a statewide median of 6.88%.
About this data. Figures are Pennymac Loan 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