South River Mortgage in Ohio vs the state
3.2%Denial rate-14.54 pts vs state
6.5%Decision denial rate-15.44 pts vs state
45.7%Origination rate-14.23 pts vs state
8.99%Median rate+2.12 pts vs state
—Rate spread (pts)
$26kMedian applicant income
58Loans originated
4Denied
Trend in Ohio
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 5 | 2 | 0.0% | 9.68% | #692 |
| 2024 | 30 | 30 | 0.0% | 6.64% | #468 |
| 2025 | 127 | 58 | 3.2% | 8.99% | #291 |
What South River Mortgage lends in Ohio
By loan purpose
By loan type
Why it denied Ohio applicants
Where in Ohio
Counties with the most South River Mortgage applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Franklin County | 13 | 8 | 1 | 7.7% |
| Cuyahoga County | 11 | 5 | 0 | 0.0% |
| Hamilton County | 11 | 4 | 0 | 0.0% |
| Clermont County | 8 | 4 | 0 | 0.0% |
| Montgomery County | 7 | 2 | 1 | 14.3% |
| Summit County | 6 | 4 | 0 | 0.0% |
| Trumbull County | 6 | 3 | 1 | 16.7% |
| Butler County | 5 | 1 | 0 | 0.0% |
| Medina County | 5 | 0 | 0 | 0.0% |
| Licking County | 4 | 3 | 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: 127 applications in 2025, of which 58 were originated and 4 denied.
3.2% of all applications, or 6.5% of the applications it actually decided on. The Ohio statewide average across all lenders was 17.7%.
The median rate on loans South River Mortgage originated in Ohio in 2025 was 8.99%, against a statewide median of 6.88%.
About this data. Figures are South River 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