Sibcy Cline Mortgage Services in Ohio vs the state
5.5%Denial rate-12.23 pts vs state
7.9%Decision denial rate-14.02 pts vs state
63.9%Origination rate+4.03 pts vs state
6.63%Median rate-0.25 pts vs state
0.29Rate spread (pts)-0.10 pts vs state
$114kMedian applicant income
234Loans originated
20Denied
Trend in Ohio
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 224 | 157 | 8.9% | 6.63% | #204 |
| 2024 | 212 | 154 | 2.8% | 6.75% | #209 |
| 2025 | 366 | 234 | 5.5% | 6.63% | #174 |
What Sibcy Cline Mortgage Services lends in Ohio
By loan purpose
By loan type
Why it denied Ohio applicants
Where in Ohio
Counties with the most Sibcy Cline Mortgage Services applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Hamilton County | 189 | 122 | 11 | 5.8% |
| Butler County | 88 | 60 | 4 | 4.5% |
| Warren County | 37 | 22 | 1 | 2.7% |
| Clermont County | 24 | 16 | 1 | 4.2% |
| Montgomery County | 8 | 3 | 1 | 12.5% |
| Preble County | 5 | 2 | 1 | 20.0% |
| Brown County | 5 | 3 | 0 | 0.0% |
| Clark County | 3 | 1 | 0 | 0.0% |
| Mercer County | 1 | 1 | 0 | 0.0% |
| Highland County | 1 | 1 | 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: 366 applications in 2025, of which 234 were originated and 20 denied.
5.5% of all applications, or 7.9% of the applications it actually decided on. The Ohio statewide average across all lenders was 17.7%.
The median rate on loans Sibcy Cline Mortgage Services originated in Ohio in 2025 was 6.63%, against a statewide median of 6.88%.
About this data. Figures are Sibcy Cline Mortgage Services'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