U.S. Bank in Ohio vs the state
38.0%Denial rate+20.26 pts vs state
44.3%Decision denial rate+22.45 pts vs state
46.0%Origination rate-13.92 pts vs state
7.60%Median rate+0.72 pts vs state
0.95Rate spread (pts)+0.56 pts vs state
$87kMedian applicant income
3,965Loans originated
3,272Denied
Trend in Ohio
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 8,340 | 3,700 | 43.1% | 8.05% | #7 |
| 2024 | 8,389 | 3,721 | 40.0% | 8.13% | #8 |
| 2025 | 8,623 | 3,965 | 38.0% | 7.60% | #9 |
What U.S. Bank lends in Ohio
By loan purpose
By loan type
Why it denied Ohio applicants
Where in Ohio
Counties with the most U.S. Bank applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Hamilton County | 1,140 | 527 | 416 | 36.5% |
| Franklin County | 971 | 395 | 425 | 43.8% |
| Cuyahoga County | 873 | 319 | 406 | 46.5% |
| Butler County | 564 | 269 | 191 | 33.9% |
| Montgomery County | 452 | 194 | 174 | 38.5% |
| Summit County | 343 | 162 | 140 | 40.8% |
| Warren County | 286 | 163 | 70 | 24.5% |
| Clermont County | 254 | 126 | 85 | 33.5% |
| Lorain County | 184 | 92 | 73 | 39.7% |
| Miami County | 184 | 88 | 61 | 33.2% |
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% |
| Citizens Bank | C | 7,775 | 24.3% | 7.65% |
| Union Home Mortgage | B | 7,114 | 4.6% | 6.75% |
Frequently asked questions
Ohio: 8,623 applications in 2025, of which 3,965 were originated and 3,272 denied.
38.0% of all applications, or 44.3% of the applications it actually decided on. The Ohio statewide average across all lenders was 17.7%.
The median rate on loans U.S. Bank originated in Ohio in 2025 was 7.60%, against a statewide median of 6.88%.
About this data. Figures are U.S. Bank'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