Royal United Mortgage in Ohio vs the state
28.2%Denial rate+10.52 pts vs state
33.9%Decision denial rate+11.99 pts vs state
53.1%Origination rate-6.79 pts vs state
6.88%Median rate0.00 pts vs state
1.05Rate spread (pts)+0.66 pts vs state
$42kMedian applicant income
273Loans originated
145Denied
Trend in Ohio
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 607 | 337 | 26.0% | 7.00% | #100 |
| 2024 | 677 | 382 | 30.0% | 6.88% | #108 |
| 2025 | 514 | 273 | 28.2% | 6.88% | #133 |
What Royal United Mortgage lends in Ohio
By loan purpose
By loan type
Why it denied Ohio applicants
Where in Ohio
Counties with the most Royal United Mortgage applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Cuyahoga County | 57 | 25 | 23 | 40.4% |
| Summit County | 29 | 20 | 3 | 10.3% |
| Lorain County | 29 | 18 | 7 | 24.1% |
| Franklin County | 26 | 11 | 8 | 30.8% |
| Montgomery County | 21 | 14 | 4 | 19.0% |
| Hamilton County | 20 | 14 | 2 | 10.0% |
| Lucas County | 20 | 6 | 10 | 50.0% |
| Mahoning County | 19 | 7 | 8 | 42.1% |
| Stark County | 14 | 8 | 1 | 7.1% |
| Trumbull County | 13 | 8 | 4 | 30.8% |
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: 514 applications in 2025, of which 273 were originated and 145 denied.
28.2% of all applications, or 33.9% of the applications it actually decided on. The Ohio statewide average across all lenders was 17.7%.
The median rate on loans Royal United Mortgage originated in Ohio in 2025 was 6.88%, against a statewide median of 6.88%.
About this data. Figures are Royal United 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