PHH Mortgage in Ohio vs the state
7.6%Denial rate-10.05 pts vs state
17.2%Decision denial rate-4.69 pts vs state
35.9%Origination rate-24.02 pts vs state
6.38%Median rate-0.50 pts vs state
0.27Rate spread (pts)-0.12 pts vs state
$80kMedian applicant income
202Loans originated
43Denied
Trend in Ohio
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 236 | 76 | 30.5% | 6.63% | #196 |
| 2024 | 409 | 120 | 13.7% | 6.71% | #141 |
| 2025 | 563 | 202 | 7.6% | 6.38% | #124 |
What PHH Mortgage lends in Ohio
By loan purpose
By loan type
Why it denied Ohio applicants
Where in Ohio
Counties with the most PHH Mortgage applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Franklin County | 75 | 21 | 6 | 8.0% |
| Cuyahoga County | 58 | 15 | 2 | 3.4% |
| Hamilton County | 38 | 8 | 2 | 5.3% |
| Lucas County | 33 | 22 | 3 | 9.1% |
| Montgomery County | 29 | 8 | 3 | 10.3% |
| Summit County | 25 | 10 | 3 | 12.0% |
| Stark County | 19 | 6 | 0 | 0.0% |
| Delaware County | 15 | 2 | 1 | 6.7% |
| Lake County | 15 | 6 | 3 | 20.0% |
| Lorain County | 14 | 3 | 1 | 7.1% |
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: 563 applications in 2025, of which 202 were originated and 43 denied.
7.6% of all applications, or 17.2% of the applications it actually decided on. The Ohio statewide average across all lenders was 17.7%.
The median rate on loans PHH Mortgage originated in Ohio in 2025 was 6.38%, against a statewide median of 6.88%.
About this data. Figures are PHH Mortgage'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