Largest lenders in Cuyahoga County
| # | Lender | Grade | Applications | Originated | Denial rate | Median rate |
|---|---|---|---|---|---|---|
| 1 | The Huntington National Bank | D | 4,504 | 2,312 | 32.2% | 7.24% |
| 2 | Third Federal Savings and Loan Association of Cleveland | C | 3,791 | 2,383 | 24.4% | 6.69% |
| 3 | Crosscountry Mortgage | B | 2,693 | 1,758 | 4.2% | 6.75% |
| 4 | Rocket Mortgage | C | 2,486 | 1,800 | 18.6% | 6.63% |
| 5 | Citizens Bank | C | 2,268 | 1,337 | 25.0% | 7.65% |
| 6 | Fifth Third Bank | D | 2,030 | 1,097 | 27.0% | 7.50% |
| 7 | PNC Bank | D | 1,996 | 1,170 | 25.4% | 6.75% |
| 8 | United Shore Financial Services | B | 1,771 | 1,158 | 18.4% | 6.63% |
| 9 | KeyBank | C | 1,093 | 663 | 26.0% | 6.13% |
| 10 | Kiavi Funding | D | 1,026 | 541 | 5.8% | 7.88% |
| 11 | Dollar Bank, Federal Savings Bank | C | 1,005 | 602 | 30.8% | 6.74% |
| 12 | U.S. Bank | D | 873 | 319 | 46.5% | 7.63% |
| 13 | Bpl Mortgage Trust | D | 822 | 628 | 9.5% | 7.63% |
| 14 | First Federal Savings and Loan Association of Lakewood | B | 764 | 542 | 9.3% | 6.75% |
| 15 | First National Bank of Pennsylvania | B | 687 | 477 | 21.4% | 6.49% |
| 16 | JPMorgan Chase Bank | B | 685 | 407 | 13.9% | 6.49% |
| 17 | Synergy One Lending | C | 652 | 425 | 5.5% | 6.88% |
| 18 | Navy Federal Credit Union | D | 602 | 236 | 27.1% | 7.44% |
| 19 | Howard Hanna Financial Services | A | 577 | 482 | 0.7% | 6.63% |
| 20 | Loan Funder | F | 534 | 261 | 10.1% | 8.36% |
| 21 | Mortgage Research Center | C | 527 | 254 | 20.7% | 6.25% |
| 22 | Pennymac Loan Services | C | 508 | 242 | 14.2% | 6.50% |
| 23 | Newrez | D | 455 | 118 | 25.9% | 6.75% |
| 24 | Guaranteed Rate | B | 446 | 241 | 3.1% | 6.63% |
| 25 | Broker Solutions | D | 442 | 104 | 13.1% | 6.88% |
Best approval odds in Cuyahoga County
Lowest decision denial rate among lenders that decided at least 50 applications here in 2025.
| # | Lender | Decided | Decision denial rate |
|---|---|---|---|
| 1 | Skyrock Mortgage | 51 | 0.0% |
| 2 | Mm Lending | 67 | 0.0% |
| 3 | Unity Catholic Federal Credit Union | 63 | 0.0% |
| 4 | First Ohio Home Finance | 68 | 0.0% |
| 5 | Dominion Financial Services | 146 | 0.0% |
| 6 | Velocity Commercial Capital | 114 | 0.0% |
| 7 | Rf Renovo Management Company | 162 | 0.6% |
| 8 | Howard Hanna Financial Services | 486 | 0.8% |
| 9 | Union Capital Mortgage | 221 | 1.8% |
| 10 | NFM | 109 | 1.8% |
What Cuyahoga County borrowers applied for
By loan purpose
By loan type
Why applications were denied
Cuyahoga County by year
| Year | Applications | Originated | Denial rate | Median rate | Median loan |
|---|---|---|---|---|---|
| 2023 | 39,796 | 22,426 | 22.1% | 7.04% | $115,000 |
| 2024 | 42,619 | 24,095 | 21.7% | 7.13% | $125,000 |
| 2025 | 49,155 | 28,057 | 19.6% | 6.88% | $135,000 |
Frequently asked questions
19.6% of applications in Cuyahoga County were denied in 2025, against 17.7% statewide in Ohio.
The Huntington National Bank, with 4,504 applications in 2025 and a denial rate of 32.2%.
The median mortgage application in Cuyahoga County in 2025 was for $135,000; the median property value on originated loans was $245,000.