RCN Capital in Ohio vs the state
37.6%Denial rate+19.91 pts vs state
38.3%Decision denial rate+16.37 pts vs state
60.7%Origination rate+0.78 pts vs state
7.85%Median rate+0.97 pts vs state
—Rate spread (pts)
—Median applicant income
844Loans originated
523Denied
Trend in Ohio
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 988 | 600 | 11.9% | 8.27% | #72 |
| 2024 | 1,339 | 833 | 14.3% | 8.09% | #62 |
| 2025 | 1,391 | 844 | 37.6% | 7.85% | #66 |
What RCN Capital lends in Ohio
By loan purpose
By loan type
Why it denied Ohio applicants
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: 1,391 applications in 2025, of which 844 were originated and 523 denied.
37.6% of all applications, or 38.3% of the applications it actually decided on. The Ohio statewide average across all lenders was 17.7%.
The median rate on loans RCN Capital originated in Ohio in 2025 was 7.85%, against a statewide median of 6.88%.
About this data. Figures are RCN Capital'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