Your Home Financial in Ohio vs the state
6.0%Denial rate-11.73 pts vs state
8.2%Decision denial rate-13.73 pts vs state
67.0%Origination rate+7.12 pts vs state
6.63%Median rate-0.25 pts vs state
0.40Rate spread (pts)+0.01 pts vs state
$81kMedian applicant income
315Loans originated
28Denied
Trend in Ohio
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 285 | 195 | 4.6% | 6.99% | #167 |
| 2024 | 375 | 263 | 4.5% | 6.99% | #146 |
| 2025 | 470 | 315 | 6.0% | 6.63% | #146 |
What Your Home Financial lends in Ohio
By loan purpose
By loan type
Why it denied Ohio applicants
Where in Ohio
Counties with the most Your Home Financial applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Cuyahoga County | 135 | 92 | 5 | 3.7% |
| Lorain County | 101 | 68 | 7 | 6.9% |
| Erie County | 56 | 30 | 9 | 16.1% |
| Medina County | 44 | 30 | 1 | 2.3% |
| Huron County | 27 | 19 | 1 | 3.7% |
| Summit County | 21 | 15 | 3 | 14.3% |
| Sandusky County | 20 | 15 | 0 | 0.0% |
| Ottawa County | 8 | 6 | 0 | 0.0% |
| Mahoning County | 7 | 7 | 0 | 0.0% |
| Stark County | 7 | 4 | 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: 470 applications in 2025, of which 315 were originated and 28 denied.
6.0% of all applications, or 8.2% of the applications it actually decided on. The Ohio statewide average across all lenders was 17.7%.
The median rate on loans Your Home Financial originated in Ohio in 2025 was 6.63%, against a statewide median of 6.88%.
About this data. Figures are Your Home Financial'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