United Shore Financial Services in Ohio vs the state
13.1%Denial rate-4.58 pts vs state
15.2%Decision denial rate-6.73 pts vs state
71.3%Origination rate+11.38 pts vs state
6.45%Median rate-0.42 pts vs state
0.15Rate spread (pts)-0.24 pts vs state
$82kMedian applicant income
10,425Loans originated
1,917Denied
Trend in Ohio
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 7,342 | 5,521 | 11.4% | 6.87% | #11 |
| 2024 | 10,591 | 7,840 | 12.1% | 6.63% | #7 |
| 2025 | 14,626 | 10,425 | 13.1% | 6.45% | #5 |
What United Shore Financial Services lends in Ohio
By loan purpose
By loan type
Why it denied Ohio applicants
Where in Ohio
Counties with the most United Shore Financial Services applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Franklin County | 1,798 | 1,320 | 211 | 11.7% |
| Cuyahoga County | 1,771 | 1,158 | 325 | 18.4% |
| Hamilton County | 1,268 | 946 | 138 | 10.9% |
| Butler County | 723 | 541 | 78 | 10.8% |
| Lucas County | 679 | 464 | 107 | 15.8% |
| Montgomery County | 622 | 431 | 85 | 13.7% |
| Summit County | 592 | 433 | 79 | 13.3% |
| Warren County | 573 | 451 | 44 | 7.7% |
| Delaware County | 429 | 325 | 49 | 11.4% |
| Lorain County | 414 | 298 | 53 | 12.8% |
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% |
| 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% |
| Union Home Mortgage | B | 7,114 | 4.6% | 6.75% |
Frequently asked questions
Ohio: 14,626 applications in 2025, of which 10,425 were originated and 1,917 denied.
13.1% of all applications, or 15.2% of the applications it actually decided on. The Ohio statewide average across all lenders was 17.7%.
The median rate on loans United Shore Financial Services originated in Ohio in 2025 was 6.45%, against a statewide median of 6.88%.
About this data. Figures are United Shore Financial Services'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