T2 Financial in Ohio vs the state
5.3%Denial rate-12.41 pts vs state
5.9%Decision denial rate-15.97 pts vs state
76.7%Origination rate+16.83 pts vs state
6.75%Median rate-0.13 pts vs state
0.48Rate spread (pts)+0.09 pts vs state
$95kMedian applicant income
610Loans originated
42Denied
Trend in Ohio
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 1,024 | 759 | 7.9% | 6.88% | #68 |
| 2024 | 769 | 593 | 6.2% | 6.99% | #96 |
| 2025 | 795 | 610 | 5.3% | 6.75% | #101 |
What T2 Financial lends in Ohio
By loan purpose
By loan type
Why it denied Ohio applicants
Where in Ohio
Counties with the most T2 Financial applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Franklin County | 291 | 228 | 18 | 6.2% |
| Delaware County | 50 | 36 | 2 | 4.0% |
| Fairfield County | 45 | 37 | 0 | 0.0% |
| Hamilton County | 42 | 30 | 1 | 2.4% |
| Licking County | 36 | 30 | 2 | 5.6% |
| Warren County | 34 | 28 | 1 | 2.9% |
| Butler County | 31 | 24 | 2 | 6.5% |
| Montgomery County | 30 | 22 | 2 | 6.7% |
| Cuyahoga County | 27 | 16 | 3 | 11.1% |
| Athens County | 21 | 17 | 1 | 4.8% |
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: 795 applications in 2025, of which 610 were originated and 42 denied.
5.3% of all applications, or 5.9% of the applications it actually decided on. The Ohio statewide average across all lenders was 17.7%.
The median rate on loans T2 Financial originated in Ohio in 2025 was 6.75%, against a statewide median of 6.88%.
About this data. Figures are T2 Financial'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