Zippy Loans in Ohio vs the state
25.7%Denial rate+7.96 pts vs state
46.7%Decision denial rate+24.78 pts vs state
29.3%Origination rate-30.58 pts vs state
10.08%Median rate+3.20 pts vs state
0.05Rate spread (pts)-0.34 pts vs state
$65kMedian applicant income
56Loans originated
49Denied
Trend in Ohio
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2024 | 317 | 70 | 37.9% | 10.03% | #165 |
| 2025 | 191 | 56 | 25.7% | 10.08% | #245 |
What Zippy Loans lends in Ohio
By loan purpose
By loan type
Why it denied Ohio applicants
Where in Ohio
Counties with the most Zippy Loans applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Lorain County | 17 | 9 | 3 | 17.6% |
| Clermont County | 16 | 4 | 4 | 25.0% |
| Cuyahoga County | 15 | 5 | 3 | 20.0% |
| Hamilton County | 13 | 7 | 1 | 7.7% |
| Ashtabula County | 12 | 3 | 5 | 41.7% |
| Warren County | 12 | 8 | 1 | 8.3% |
| Montgomery County | 11 | 2 | 2 | 18.2% |
| Pickaway County | 11 | 5 | 2 | 18.2% |
| Delaware County | 5 | 3 | 0 | 0.0% |
| Madison County | 5 | 1 | 1 | 20.0% |
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: 191 applications in 2025, of which 56 were originated and 49 denied.
25.7% of all applications, or 46.7% of the applications it actually decided on. The Ohio statewide average across all lenders was 17.7%.
The median rate on loans Zippy Loans originated in Ohio in 2025 was 10.08%, against a statewide median of 6.88%.
About this data. Figures are Zippy 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