Largest mortgage lenders in Ohio
By applications received in 2025. Grade is the lender's national grade.
| # | Lender | Grade | Applications | Originated | Denial rate | Median rate |
|---|---|---|---|---|---|---|
| 1 | The Huntington National Bank | D | 42,683 | 24,819 | 25.8% | 7.59% |
| 2 | Rocket Mortgage | C | 23,165 | 16,656 | 18.5% | 6.63% |
| 3 | Fifth Third Bank | D | 21,939 | 12,389 | 25.6% | 7.50% |
| 4 | Crosscountry Mortgage | B | 16,066 | 11,011 | 3.1% | 6.75% |
| 5 | United Shore Financial Services | B | 14,626 | 10,425 | 13.1% | 6.45% |
| 6 | Third Federal Savings and Loan Association of Cleveland | C | 12,622 | 7,970 | 23.0% | 6.74% |
| 7 | PNC Bank | D | 11,607 | 6,725 | 24.6% | 7.40% |
| 8 | Wright-Patt Credit Union | C | 8,791 | 5,207 | 28.1% | 7.50% |
| 9 | U.S. Bank | D | 8,623 | 3,965 | 38.0% | 7.60% |
| 10 | Citizens Bank | C | 7,775 | 4,732 | 24.3% | 7.65% |
| 11 | Union Home Mortgage | B | 7,114 | 5,380 | 4.6% | 6.75% |
| 12 | Union Savings Bank | A | 6,982 | 5,594 | 5.1% | 6.75% |
| 13 | Mortgage Research Center | C | 6,947 | 3,302 | 18.3% | 6.25% |
| 14 | JPMorgan Chase Bank | B | 6,671 | 4,171 | 10.3% | 6.50% |
| 15 | Newrez | D | 5,795 | 2,258 | 19.0% | 6.75% |
| 16 | Pennymac Loan Services | C | 5,767 | 2,964 | 11.8% | 6.49% |
| 17 | Loandepot.Com | D | 5,699 | 3,505 | 20.7% | 6.75% |
| 18 | Freedom Mortgage | B | 5,665 | 2,477 | 8.8% | 6.25% |
| 19 | Guaranteed Rate | B | 4,955 | 2,795 | 3.9% | 6.58% |
| 20 | Coastal Community Bank | C | 4,733 | 1,359 | 1.4% | 10.74% |
| 21 | The Park National Bank | C | 4,596 | 3,251 | 16.8% | 7.25% |
| 22 | Broker Solutions | D | 4,499 | 1,553 | 9.2% | 6.99% |
| 23 | WesBanco Bank | B | 4,383 | 3,020 | 17.3% | 6.38% |
| 24 | NFM | A | 4,370 | 3,308 | 1.1% | 6.75% |
| 25 | First Financial Bank | D | 4,284 | 2,850 | 22.3% | 6.25% |
Best approval odds in Ohio
Lowest decision denial rate among lenders that decided at least 300 Ohio applications in 2025.
| # | Lender | Decided | Decision denial rate | Median rate |
|---|---|---|---|---|
| 1 | Dominion Financial Services | 459 | 0.0% | 7.38% |
| 2 | Mm Lending | 464 | 0.0% | 12.00% |
| 3 | Rf Renovo Management Company | 779 | 0.4% | 7.66% |
| 4 | Rapid Mortgage | 755 | 0.5% | 6.88% |
| 5 | First Ohio Home Finance | 596 | 0.7% | 6.75% |
| 6 | Howard Hanna Financial Services | 1,747 | 1.1% | 6.63% |
| 7 | The Equitable Mortgage | 606 | 1.2% | 6.50% |
| 8 | M/i Financial | 1,281 | 1.3% | 5.88% |
| 9 | NFM | 3,384 | 1.5% | 6.75% |
| 10 | Go Mortgage | 316 | 1.6% | 6.75% |
Lowest median rates in Ohio
Among lenders reporting rates on at least 100 originated loans. Product mix matters: a VA specialist will show a lower median than a jumbo lender.
| # | Lender | Priced loans | Median rate | Denial rate |
|---|---|---|---|---|
| 1 | Dhi Mortgage Company | 921 | 4.75% | 15.2% |
| 2 | Schumacher Mortgage | 182 | 5.38% | 1.8% |
| 3 | Pulte Mortgage | 1,064 | 5.63% | 9.5% |
| 4 | Village Capital & Investment | 351 | 5.75% | 21.9% |
| 5 | Rmc Home Mortgage | 338 | 5.88% | 5.4% |
| 6 | Victory Mortgage | 1,130 | 5.88% | 3.8% |
| 7 | M/i Financial | 1,088 | 5.88% | 1.2% |
| 8 | K. Hovnanian American Mortgage | 247 | 5.99% | 7.8% |
| 9 | Republic Bank & Trust | 188 | 5.99% | 12.3% |
| 10 | General Electric Credit Union | 798 | 5.99% | 11.1% |
What Ohio borrowers applied for
By loan purpose
By loan type
Denial rate by applicant income
Why Ohio applications were denied
Ohio mortgage market by year
| Year | Applications | Originated | Denial rate | Median rate | Median loan | Lenders |
|---|---|---|---|---|---|---|
| 2023 | 382,640 | 227,191 | 19.7% | 7.13% | $125,000 | 1,078 |
| 2024 | 414,495 | 246,244 | 19.2% | 7.00% | $145,000 | 1,072 |
| 2025 | 464,003 | 277,933 | 17.7% | 6.88% | $155,000 | 1,092 |
Ohio counties
Counties with at least 200 applications in 2025, most active first.
Franklin County49k
Cuyahoga County49k
Hamilton County31k
Summit County21k
Montgomery County21k
Butler County16k
Lucas County15k
Stark County15k
Lorain County14k
Warren County12k
Delaware County12k
Lake County10k
Clermont County9.9k
Mahoning County8.6k
Licking County8.2k
Medina County7.8k
Fairfield County7.5k
Trumbull County7.3k
Greene County6.5k
Portage County5.8k
Clark County5.3k
Miami County4.6k
Wood County4.4k
Richland County4.2k
Allen County3.8k
Geauga County3.8k
Union County3.7k
Muskingum County3.6k
Ashtabula County3.4k
Wayne County3.3k
Columbiana County3.1k
Pickaway County2.9k
Hancock County2.5k
Ross County2.5k
Erie County2.4k
Knox County2.3k
Scioto County2.1k
Marion County2.1k
Tuscarawas County2.0k
Madison County1.9k
Brown County1.9k
Logan County1.9k
Lawrence County1.8k
Belmont County1.7k
Sandusky County1.7k
Ashland County1.7k
Jefferson County1.7k
Huron County1.5k
Ottawa County1.5k
Highland County1.5k
Clinton County1.5k
Washington County1.4k
Auglaize County1.4k
Preble County1.4k
Morrow County1.4k
Shelby County1.4k
Champaign County1.4k
Fulton County1.3k
Darke County1.3k
Seneca County1.3k
Williams County1.2k
Crawford County1.2k
Guernsey County1.2k
Perry County1.1k
Defiance County1.1k
Fayette County997
Coshocton County990
Putnam County988
Jackson County984
Hocking County941
Carroll County837
Henry County807
Van Wert County794
Hardin County792
Pike County786
Athens County782
Gallia County774
Adams County753
Mercer County596
Paulding County556
Wyandot County478
Meigs County351
Holmes County335
Harrison County269
Vinton County263
Morgan County250
Noble County208
Monroe County201
Frequently asked questions
17.7% of mortgage applications in Ohio were denied in 2025 (21.9% of applications that reached a decision). Nationally the rate was 18.0%.
The Huntington National Bank handled the most applications in Ohio in 2025: 42,683, with a denial rate of 25.8%.
Among lenders that decided at least 300 applications in Ohio, Dominion Financial Services had the lowest decision denial rate at 0.0%.
The median interest rate on loans originated in Ohio in 2025 was 6.88%. That is the rate borrowers actually received, reported by lenders under HMDA, not an advertised rate.