Village Capital & Investment in Ohio vs the state
21.9%Denial rate+4.19 pts vs state
29.3%Decision denial rate+7.45 pts vs state
30.5%Origination rate-29.43 pts vs state
5.75%Median rate-1.13 pts vs state
—Rate spread (pts)
$76kMedian applicant income
351Loans originated
252Denied
Trend in Ohio
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 610 | 143 | 16.6% | 6.25% | #99 |
| 2024 | 1,150 | 379 | 11.8% | 5.99% | #74 |
| 2025 | 1,152 | 351 | 21.9% | 5.75% | #77 |
What Village Capital & Investment lends in Ohio
By loan purpose
By loan type
Why it denied Ohio applicants
Where in Ohio
Counties with the most Village Capital & Investment applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Franklin County | 136 | 38 | 31 | 22.8% |
| Cuyahoga County | 75 | 13 | 20 | 26.7% |
| Montgomery County | 73 | 20 | 16 | 21.9% |
| Hamilton County | 59 | 14 | 16 | 27.1% |
| Butler County | 54 | 18 | 13 | 24.1% |
| Lorain County | 40 | 17 | 9 | 22.5% |
| Lucas County | 40 | 8 | 7 | 17.5% |
| Summit County | 39 | 14 | 5 | 12.8% |
| Trumbull County | 32 | 11 | 4 | 12.5% |
| Clermont County | 31 | 10 | 2 | 6.5% |
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: 1,152 applications in 2025, of which 351 were originated and 252 denied.
21.9% of all applications, or 29.3% of the applications it actually decided on. The Ohio statewide average across all lenders was 17.7%.
The median rate on loans Village Capital & Investment originated in Ohio in 2025 was 5.75%, against a statewide median of 6.88%.
About this data. Figures are Village Capital & Investment'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