Victory Mortgage in Ohio vs the state
3.8%Denial rate-13.93 pts vs state
4.3%Decision denial rate-17.57 pts vs state
83.4%Origination rate+23.49 pts vs state
5.88%Median rate-1.00 pts vs state
-0.53Rate spread (pts)-0.92 pts vs state
$142kMedian applicant income
1,130Loans originated
51Denied
Trend in Ohio
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 953 | 738 | 5.8% | 5.88% | #78 |
| 2024 | 1,219 | 1,026 | 3.6% | 6.00% | #70 |
| 2025 | 1,355 | 1,130 | 3.8% | 5.88% | #69 |
What Victory Mortgage lends in Ohio
By loan purpose
By loan type
Why it denied Ohio applicants
Where in Ohio
Counties with the most Victory Mortgage applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Clermont County | 309 | 252 | 11 | 3.6% |
| Warren County | 219 | 184 | 8 | 3.7% |
| Greene County | 151 | 126 | 5 | 3.3% |
| Union County | 137 | 119 | 5 | 3.6% |
| Franklin County | 123 | 103 | 5 | 4.1% |
| Hamilton County | 80 | 67 | 3 | 3.8% |
| Montgomery County | 71 | 52 | 4 | 5.6% |
| Butler County | 61 | 53 | 1 | 1.6% |
| Pickaway County | 53 | 47 | 1 | 1.9% |
| Licking County | 52 | 43 | 3 | 5.8% |
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% |
| 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: 1,355 applications in 2025, of which 1,130 were originated and 51 denied.
3.8% of all applications, or 4.3% of the applications it actually decided on. The Ohio statewide average across all lenders was 17.7%.
The median rate on loans Victory Mortgage originated in Ohio in 2025 was 5.88%, against a statewide median of 6.88%.
About this data. Figures are Victory 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