Union Home Mortgage in Ohio vs the state
4.6%Denial rate-13.11 pts vs state
5.6%Decision denial rate-16.32 pts vs state
75.6%Origination rate+15.73 pts vs state
6.75%Median rate-0.13 pts vs state
0.54Rate spread (pts)+0.15 pts vs state
$92kMedian applicant income
5,380Loans originated
326Denied
Trend in Ohio
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 5,365 | 4,206 | 2.4% | 7.13% | #13 |
| 2024 | 5,581 | 4,247 | 3.9% | 7.00% | #14 |
| 2025 | 7,114 | 5,380 | 4.6% | 6.75% | #11 |
What Union Home Mortgage lends in Ohio
By loan purpose
By loan type
Why it denied Ohio applicants
Where in Ohio
Counties with the most Union Home Mortgage applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Franklin County | 828 | 589 | 32 | 3.9% |
| Lucas County | 600 | 454 | 21 | 3.5% |
| Hamilton County | 562 | 417 | 28 | 5.0% |
| Cuyahoga County | 391 | 314 | 13 | 3.3% |
| Summit County | 283 | 231 | 9 | 3.2% |
| Butler County | 267 | 210 | 8 | 3.0% |
| Fairfield County | 256 | 187 | 10 | 3.9% |
| Lorain County | 211 | 178 | 12 | 5.7% |
| Delaware County | 209 | 161 | 9 | 4.3% |
| Licking County | 182 | 133 | 3 | 1.6% |
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: 7,114 applications in 2025, of which 5,380 were originated and 326 denied.
4.6% of all applications, or 5.6% of the applications it actually decided on. The Ohio statewide average across all lenders was 17.7%.
The median rate on loans Union Home Mortgage originated in Ohio in 2025 was 6.75%, against a statewide median of 6.88%.
About this data. Figures are Union Home 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