Sofi Bank in Ohio vs the state
6.4%Denial rate-11.27 pts vs state
16.2%Decision denial rate-5.70 pts vs state
32.9%Origination rate-26.96 pts vs state
7.63%Median rate+0.75 pts vs state
1.74Rate spread (pts)+1.36 pts vs state
$114kMedian applicant income
585Loans originated
114Denied
Trend in Ohio
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 272 | 80 | 14.0% | 6.88% | #174 |
| 2024 | 540 | 213 | 14.8% | 6.88% | #116 |
| 2025 | 1,776 | 585 | 6.4% | 7.63% | #54 |
What Sofi Bank lends in Ohio
By loan purpose
By loan type
Why it denied Ohio applicants
Where in Ohio
Counties with the most Sofi Bank applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Cuyahoga County | 192 | 59 | 13 | 6.8% |
| Franklin County | 186 | 74 | 12 | 6.5% |
| Hamilton County | 157 | 42 | 9 | 5.7% |
| Summit County | 88 | 28 | 5 | 5.7% |
| Montgomery County | 83 | 30 | 4 | 4.8% |
| Butler County | 71 | 26 | 2 | 2.8% |
| Delaware County | 58 | 15 | 3 | 5.2% |
| Warren County | 55 | 26 | 2 | 3.6% |
| Stark County | 54 | 15 | 5 | 9.3% |
| Lorain County | 48 | 17 | 2 | 4.2% |
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: 1,776 applications in 2025, of which 585 were originated and 114 denied.
6.4% of all applications, or 16.2% of the applications it actually decided on. The Ohio statewide average across all lenders was 17.7%.
The median rate on loans Sofi Bank originated in Ohio in 2025 was 7.63%, against a statewide median of 6.88%.
About this data. Figures are Sofi Bank'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