Union Capital Mortgage in Ohio vs the state
3.5%Denial rate-14.17 pts vs state
4.1%Decision denial rate-17.76 pts vs state
81.8%Origination rate+21.94 pts vs state
6.50%Median rate-0.38 pts vs state
0.31Rate spread (pts)-0.08 pts vs state
$101kMedian applicant income
604Loans originated
26Denied
Trend in Ohio
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 471 | 374 | 3.6% | 6.88% | #116 |
| 2024 | 617 | 496 | 3.2% | 6.63% | #110 |
| 2025 | 738 | 604 | 3.5% | 6.50% | #108 |
What Union Capital Mortgage lends in Ohio
By loan purpose
By loan type
Why it denied Ohio applicants
Where in Ohio
Counties with the most Union Capital Mortgage applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Cuyahoga County | 259 | 217 | 4 | 1.5% |
| Franklin County | 93 | 73 | 4 | 4.3% |
| Summit County | 76 | 65 | 2 | 2.6% |
| Lorain County | 49 | 44 | 0 | 0.0% |
| Pickaway County | 31 | 26 | 0 | 0.0% |
| Lake County | 30 | 22 | 1 | 3.3% |
| Sandusky County | 19 | 16 | 3 | 15.8% |
| Erie County | 19 | 16 | 1 | 5.3% |
| Geauga County | 18 | 13 | 1 | 5.6% |
| Medina County | 15 | 13 | 2 | 13.3% |
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: 738 applications in 2025, of which 604 were originated and 26 denied.
3.5% of all applications, or 4.1% of the applications it actually decided on. The Ohio statewide average across all lenders was 17.7%.
The median rate on loans Union Capital Mortgage originated in Ohio in 2025 was 6.50%, against a statewide median of 6.88%.
About this data. Figures are Union Capital 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