Stark in Ohio vs the state
3.2%Denial rate-14.54 pts vs state
3.5%Decision denial rate-18.41 pts vs state
87.4%Origination rate+27.50 pts vs state
7.74%Median rate+0.87 pts vs state
1.53Rate spread (pts)+1.14 pts vs state
$82kMedian applicant income
111Loans originated
4Denied
Trend in Ohio
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 133 | 118 | 3.8% | 7.24% | #267 |
| 2024 | 122 | 92 | 10.7% | 7.74% | #281 |
| 2025 | 127 | 111 | 3.2% | 7.74% | #295 |
What Stark lends in Ohio
By loan purpose
By loan type
Why it denied Ohio applicants
Where in Ohio
Counties with the most Stark applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Stark County | 108 | 93 | 4 | 3.7% |
| Carroll County | 6 | 6 | 0 | 0.0% |
| Summit County | 5 | 4 | 0 | 0.0% |
| Mahoning County | 3 | 3 | 0 | 0.0% |
| Columbiana County | 2 | 2 | 0 | 0.0% |
| Coshocton County | 1 | 1 | 0 | 0.0% |
| Tuscarawas County | 1 | 1 | 0 | 0.0% |
| Portage 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: 127 applications in 2025, of which 111 were originated and 4 denied.
3.2% of all applications, or 3.5% of the applications it actually decided on. The Ohio statewide average across all lenders was 17.7%.
The median rate on loans Stark originated in Ohio in 2025 was 7.74%, against a statewide median of 6.88%.
About this data. Figures are Stark'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