Vanderbilt Mortgage and Finance in Ohio vs the state
26.7%Denial rate+9.05 pts vs state
53.8%Decision denial rate+31.88 pts vs state
21.5%Origination rate-38.45 pts vs state
7.06%Median rate+0.18 pts vs state
0.54Rate spread (pts)+0.15 pts vs state
$66kMedian applicant income
738Loans originated
920Denied
Trend in Ohio
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 2,580 | 406 | 31.7% | 9.50% | #32 |
| 2024 | 2,911 | 534 | 27.8% | 8.75% | #35 |
| 2025 | 3,440 | 738 | 26.7% | 7.06% | #32 |
What Vanderbilt Mortgage and Finance lends in Ohio
By loan purpose
By loan type
Why it denied Ohio applicants
Where in Ohio
Counties with the most Vanderbilt Mortgage and Finance applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Lawrence County | 157 | 18 | 46 | 29.3% |
| Muskingum County | 157 | 15 | 42 | 26.8% |
| Scioto County | 145 | 12 | 46 | 31.7% |
| Ross County | 127 | 19 | 50 | 39.4% |
| Madison County | 127 | 76 | 4 | 3.1% |
| Clark County | 125 | 55 | 13 | 10.4% |
| Licking County | 109 | 13 | 29 | 26.6% |
| Montgomery County | 109 | 58 | 20 | 18.3% |
| Franklin County | 104 | 11 | 43 | 41.3% |
| Pickaway County | 103 | 39 | 15 | 14.6% |
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: 3,440 applications in 2025, of which 738 were originated and 920 denied.
26.7% of all applications, or 53.8% of the applications it actually decided on. The Ohio statewide average across all lenders was 17.7%.
The median rate on loans Vanderbilt Mortgage and Finance originated in Ohio in 2025 was 7.06%, against a statewide median of 6.88%.
About this data. Figures are Vanderbilt Mortgage and Finance'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