Zillow Home Loans in Ohio vs the state
6.3%Denial rate-11.36 pts vs state
8.0%Decision denial rate-13.92 pts vs state
72.6%Origination rate+12.65 pts vs state
6.63%Median rate-0.25 pts vs state
0.56Rate spread (pts)+0.17 pts vs state
$74kMedian applicant income
481Loans originated
42Denied
Trend in Ohio
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 283 | 199 | 6.0% | 7.00% | #170 |
| 2024 | 376 | 280 | 4.3% | 6.75% | #145 |
| 2025 | 663 | 481 | 6.3% | 6.63% | #115 |
What Zillow Home Loans lends in Ohio
By loan purpose
By loan type
Why it denied Ohio applicants
Where in Ohio
Counties with the most Zillow Home Loans applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Cuyahoga County | 106 | 79 | 6 | 5.7% |
| Summit County | 57 | 40 | 3 | 5.3% |
| Hamilton County | 51 | 34 | 3 | 5.9% |
| Montgomery County | 39 | 30 | 2 | 5.1% |
| Lorain County | 34 | 23 | 3 | 8.8% |
| Franklin County | 31 | 22 | 3 | 9.7% |
| Stark County | 28 | 20 | 3 | 10.7% |
| Butler County | 27 | 19 | 1 | 3.7% |
| Lake County | 26 | 22 | 1 | 3.8% |
| Medina County | 21 | 16 | 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: 663 applications in 2025, of which 481 were originated and 42 denied.
6.3% of all applications, or 8.0% of the applications it actually decided on. The Ohio statewide average across all lenders was 17.7%.
The median rate on loans Zillow Home Loans originated in Ohio in 2025 was 6.63%, against a statewide median of 6.88%.
About this data. Figures are Zillow Home Loans'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