Western Ohio Mortgage at a glance, 2025
Every figure is from the lender's own HMDA filing. "vs national" compares with all lenders combined.
How the B grade breaks down
Each component is a percentile rank among 1,883 small mortgage lenders. Higher is better. Components the lender does not report are left out and the weights redistributed.
Approval oddsdecision denial rate, weight 45%
84th2.9% deniedProcesswithdrawn + incomplete share, weight 15%
11th24.6%Trend, 2023–2025
| Year | Applications | Originated | Denial rate | Decision denial | Median rate | Volume |
|---|---|---|---|---|---|---|
| 2023 | 450 | 318 | 1.8% | 2.5% | 7.00% | $66M |
| 2025 | 496 | 363 | 2.2% | 2.9% | — | $79M |
What Western Ohio Mortgage lends
Applications by purpose and loan type in 2025, with the denial rate for each. A lender's mix explains a lot of its headline rate: HELOCs and FHA loans are denied far more often than conventional purchase loans.
By loan purpose
By loan type
Also: 0 home-equity lines, 0 reverse mortgages, 5 manufactured homes, 20 investment properties.
Who gets approved at Western Ohio Mortgage
Decision denial rate by applicant profile. Groups with fewer than 20 applications are omitted.
| Applicant income | Applications | Originated | Decision denial rate |
|---|---|---|---|
| Under $50k | 82 | 59 | 3.3% |
| $50k – $100k | 275 | 199 | 3.4% |
| $100k – $150k | 72 | 60 | 1.6% |
| $150k – $250k | 49 | 36 | 2.7% |
| Applicant age | Applications | Originated | Decision denial rate |
|---|---|---|---|
| Under 25 | 98 | 69 | 2.8% |
| 25–34 | 151 | 120 | 3.2% |
| 35–44 | 112 | 83 | 3.5% |
| 45–54 | 57 | 39 | 2.5% |
| 55–64 | 54 | 36 | 2.7% |
| 65–74 | 21 | 14 | 0.0% |
Where Western Ohio Mortgage lends
6 states and 0 counties in 2025. Click a state for the lender's full record there.
Frequently asked questions
Western Ohio Mortgage denied 2.9% of the applications it decided on in 2025. The national figure across all lenders was 22.6%. On approval odds it ranks in the 84th percentile of small mortgage lenders.
In 2025, 79% of its applications were for home purchases, 13% for refinancing (including cash-out), and 8% for home improvement or other purposes. By loan type: 45% conventional, 31% FHA, 7% VA.
Every figure on this page comes from the Home Mortgage Disclosure Act (HMDA) Loan/Application Register published by the CFPB, which lenders are required by federal law to file. We add the grade and the comparisons; we do not add facts.