SmartFi Home Loans in Ohio vs the state
41.2%Denial rate+23.49 pts vs state
43.8%Decision denial rate+21.86 pts vs state
52.9%Origination rate-6.96 pts vs state
8.99%Median rate+2.12 pts vs state
—Rate spread (pts)
$21kMedian applicant income
9Loans originated
7Denied
What SmartFi Home Loans lends in Ohio
By loan purpose
By loan type
Why it denied Ohio applicants
Where in Ohio
Counties with the most SmartFi Home Loans applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Franklin County | 5 | 2 | 2 | 40.0% |
| Butler County | 3 | 2 | 1 | 33.3% |
| Delaware County | 2 | 1 | 1 | 50.0% |
| Hamilton County | 2 | 2 | 0 | 0.0% |
| Cuyahoga County | 1 | 1 | 0 | 0.0% |
| Belmont County | 1 | 0 | 1 | 100.0% |
| Lorain County | 1 | 0 | 1 | 100.0% |
| Van Wert County | 1 | 1 | 0 | 0.0% |
| Fairfield County | 1 | 0 | 1 | 100.0% |
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: 17 applications in 2025, of which 9 were originated and 7 denied.
41.2% of all applications, or 43.8% of the applications it actually decided on. The Ohio statewide average across all lenders was 17.7%.
The median rate on loans SmartFi Home Loans originated in Ohio in 2025 was 8.99%, against a statewide median of 6.88%.
About this data. Figures are SmartFi Home Loans'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