Reliance First Capital in Ohio vs the state
2.2%Denial rate-15.50 pts vs state
2.5%Decision denial rate-19.44 pts vs state
85.7%Origination rate+25.79 pts vs state
6.75%Median rate-0.13 pts vs state
0.58Rate spread (pts)+0.19 pts vs state
$75kMedian applicant income
587Loans originated
15Denied
Trend in Ohio
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 549 | 465 | 3.3% | 6.75% | #105 |
| 2024 | 694 | 571 | 4.9% | 6.88% | #106 |
| 2025 | 685 | 587 | 2.2% | 6.75% | #112 |
What Reliance First Capital lends in Ohio
By loan purpose
By loan type
Why it denied Ohio applicants
Where in Ohio
Counties with the most Reliance First Capital applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Cuyahoga County | 291 | 250 | 9 | 3.1% |
| Medina County | 53 | 46 | 0 | 0.0% |
| Franklin County | 44 | 38 | 3 | 6.8% |
| Summit County | 37 | 30 | 2 | 5.4% |
| Lorain County | 24 | 20 | 0 | 0.0% |
| Lake County | 22 | 20 | 0 | 0.0% |
| Stark County | 19 | 16 | 0 | 0.0% |
| Warren County | 18 | 15 | 0 | 0.0% |
| Butler County | 16 | 13 | 0 | 0.0% |
| Hamilton County | 16 | 13 | 1 | 6.3% |
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: 685 applications in 2025, of which 587 were originated and 15 denied.
2.2% of all applications, or 2.5% of the applications it actually decided on. The Ohio statewide average across all lenders was 17.7%.
The median rate on loans Reliance First Capital originated in Ohio in 2025 was 6.75%, against a statewide median of 6.88%.
About this data. Figures are Reliance First 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