Polaris Home Funding in Ohio vs the state
6.9%Denial rate-10.83 pts vs state
7.6%Decision denial rate-14.31 pts vs state
72.9%Origination rate+12.97 pts vs state
6.75%Median rate-0.13 pts vs state
0.64Rate spread (pts)+0.25 pts vs state
$69kMedian applicant income
744Loans originated
70Denied
Trend in Ohio
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 973 | 667 | 7.2% | 6.88% | #76 |
| 2024 | 1,140 | 806 | 8.4% | 6.75% | #75 |
| 2025 | 1,021 | 744 | 6.9% | 6.75% | #87 |
What Polaris Home Funding lends in Ohio
By loan purpose
By loan type
Why it denied Ohio applicants
Where in Ohio
Counties with the most Polaris Home Funding applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Stark County | 166 | 129 | 14 | 8.4% |
| Jefferson County | 133 | 106 | 3 | 2.3% |
| Hamilton County | 77 | 52 | 2 | 2.6% |
| Tuscarawas County | 63 | 51 | 2 | 3.2% |
| Summit County | 59 | 47 | 4 | 6.8% |
| Montgomery County | 42 | 23 | 7 | 16.7% |
| Wayne County | 28 | 23 | 2 | 7.1% |
| Cuyahoga County | 26 | 17 | 3 | 11.5% |
| Butler County | 22 | 15 | 1 | 4.5% |
| Harrison County | 21 | 14 | 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: 1,021 applications in 2025, of which 744 were originated and 70 denied.
6.9% of all applications, or 7.6% of the applications it actually decided on. The Ohio statewide average across all lenders was 17.7%.
The median rate on loans Polaris Home Funding originated in Ohio in 2025 was 6.75%, against a statewide median of 6.88%.
About this data. Figures are Polaris Home Funding'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