Telhio in Ohio vs the state
19.1%Denial rate+1.36 pts vs state
23.7%Decision denial rate+1.78 pts vs state
55.4%Origination rate-4.53 pts vs state
7.95%Median rate+1.08 pts vs state
0.93Rate spread (pts)+0.54 pts vs state
$105kMedian applicant income
712Loans originated
245Denied
Trend in Ohio
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 1,244 | 778 | 18.2% | 8.50% | #61 |
| 2024 | 1,171 | 692 | 17.8% | 8.75% | #73 |
| 2025 | 1,286 | 712 | 19.1% | 7.95% | #70 |
What Telhio lends in Ohio
By loan purpose
By loan type
Why it denied Ohio applicants
Where in Ohio
Counties with the most Telhio applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Franklin County | 662 | 338 | 137 | 20.7% |
| Butler County | 191 | 119 | 31 | 16.2% |
| Delaware County | 75 | 39 | 15 | 20.0% |
| Licking County | 72 | 47 | 11 | 15.3% |
| Fairfield County | 62 | 30 | 14 | 22.6% |
| Pickaway County | 46 | 31 | 5 | 10.9% |
| Hamilton County | 29 | 21 | 4 | 13.8% |
| Union County | 16 | 9 | 6 | 37.5% |
| Morrow County | 14 | 9 | 4 | 28.6% |
| Madison County | 12 | 5 | 4 | 33.3% |
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: 1,286 applications in 2025, of which 712 were originated and 245 denied.
19.1% of all applications, or 23.7% of the applications it actually decided on. The Ohio statewide average across all lenders was 17.7%.
The median rate on loans Telhio originated in Ohio in 2025 was 7.95%, against a statewide median of 6.88%.
About this data. Figures are Telhio'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