V.i.p. Mortgage in Ohio vs the state
2.8%Denial rate-14.91 pts vs state
3.1%Decision denial rate-18.76 pts vs state
86.1%Origination rate+26.21 pts vs state
6.63%Median rate-0.25 pts vs state
0.22Rate spread (pts)-0.16 pts vs state
$68kMedian applicant income
31Loans originated
1Denied
Trend in Ohio
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 62 | 50 | 1.6% | 6.75% | #365 |
| 2024 | 77 | 62 | 3.9% | 6.63% | #346 |
| 2025 | 36 | 31 | 2.8% | 6.63% | #445 |
What V.i.p. Mortgage lends in Ohio
By loan purpose
By loan type
Why it denied Ohio applicants
Where in Ohio
Counties with the most V.i.p. Mortgage applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Butler County | 7 | 5 | 1 | 14.3% |
| Hamilton County | 6 | 5 | 0 | 0.0% |
| Cuyahoga County | 5 | 5 | 0 | 0.0% |
| Summit County | 4 | 3 | 0 | 0.0% |
| Licking County | 2 | 2 | 0 | 0.0% |
| Lorain County | 2 | 2 | 0 | 0.0% |
| Greene County | 2 | 2 | 0 | 0.0% |
| Franklin County | 1 | 1 | 0 | 0.0% |
| Paulding County | 1 | 1 | 0 | 0.0% |
| Lake County | 1 | 1 | 0 | 0.0% |
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: 36 applications in 2025, of which 31 were originated and 1 denied.
2.8% of all applications, or 3.1% of the applications it actually decided on. The Ohio statewide average across all lenders was 17.7%.
The median rate on loans V.i.p. Mortgage originated in Ohio in 2025 was 6.63%, against a statewide median of 6.88%.
About this data. Figures are V.i.p. 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