Name of the lender

AdvantageFirst Lending Inc in OhioMortgage rates, total loan costs and denial rate for homes in Ohio, 2025

HMDA year2025

StateOhio

Head office: Lake Forest, CA
Reporting agency: Department of Housing and Urban Development (HUD)
Legal Entity Identifier (LEI)

All states of this lender

AdvantageFirst Lending Inc reported 699 applications for homes in Ohio in the HMDA data of 2025.

It originated 245 loans in the state in 2025, for $65.1 million in total.

The median interest rate of these loans in 2025 was 6.250%, and the median of all lenders in Ohio was 6.500%.

The median total loan costs in 2025 were $16,005, and the state median was $5,199.

It denied 37.7% of the applications that it decided in the state in 2025, and the state denial rate was 21.9%.

Filed figures of AdvantageFirst Lending Inc in Ohio, 2025
Figure	In OH	Lender, all states	OH, all lenders
Applications	699	12,186	464,003
Loans originated	245	4,137	277,933
Median interest rate	6.250%	6.125%	6.500%
Median total loan costs	$16,005	$18,448	$5,199
Denial rate	37.7%	34.9%	21.9%

HMDA data are generally not used alone to determine whether a lender is complying with fair lending laws. The data do not include some legitimate credit risk considerations for loan approval and loan pricing decisions.
The words of the Consumer Financial Protection Bureau (CFPB). Source: Consumer Financial Protection Bureau, Summary of 2023 Data on Mortgage Lending (11 July 2024), copied on 2 Oct 2026. The figures on this page are from the HMDA data of 2025, the snapshot dataset.

PricingMedians of 2025 loans in OH

Pricing medians of AdvantageFirst Lending Inc in Ohio, 2025Each value has the median of all lenders in Ohio under it.
Loans	Loans in the medians	Interest rate	Total loan costs	Origination charges	Discount points, of the loans with points	Lender credits, of the loans with credits	Rate spread, points
All loans in OH	244	6.250%OH 6.500%	$16,005OH $5,199	$10,311OH $1,890	$7,973OH $2,024	$75OH $431	0.470OH 0.287

Medians are for originated closed-end loans with a first lien. Reverse mortgages, open-end lines of credit and loans for a business purpose are not in the medians. A median needs 20 loans.

The median rate spread was 0.470 percentage points above the average prime offer rate. On a loan of $300,000, that is about $1,410 more a year, or $118 more a month.

The dollar amount is a simple interest approximation: the rate spread times the full loan amount for one year. The balance of a loan decreases with each payment, and an APR includes some fees, so the amount for a real loan is different.

Action taken and loan types

Records in Ohio by the action taken
Action taken	Records	Share
1Loan originated	245	35.1%
2Application approved but not accepted	0	0.0%
3Application denied	148	21.2%
4Application withdrawn by applicant	254	36.3%
5File closed for incompleteness	52	7.4%
6Purchased loan	0	0.0%
7Preapproval request denied	0	0.0%
8Preapproval request approved but not accepted	0	0.0%

Applications in Ohio by loan type
Loan type	Applications	Loans originated	Denial rate
Conventional	92	27	37.2%
FHA-insured	418	142	40.1%
VA-guaranteed	189	76	32.7%

Counties in Ohio

Counties of AdvantageFirst Lending Inc in Ohio with 25 applications or more, 2025In order of the names.
County	Applications	Loans originated	Amount	Denial rate
Butler County	26	2	$480,000	n/a
Cuyahoga County	46	14	$3.8 million	54.8%
Franklin County	98	32	$8.7 million	31.9%
Hamilton County	44	13	$3.6 million	n/a
Montgomery County	31	12	$3.1 million	n/a
Stark County	29	11	$2.4 million	n/a
Summit County	30	9	$2.1 million	n/a

Figures by year

AdvantageFirst Lending Inc in Ohio by HMDA year"n/a" shows a year with fewer than 25 applications in the state.
Year	Applications	Loans originated	Amount	Median interest rate	Median total loan costs	Denial rate
2025	699	245	$65.1 million	6.250%	$16,005	37.7%
2024	n/a	n/a	n/a	n/a	n/a	n/a
2023	n/a	n/a	n/a	n/a	n/a	n/a
2022	n/a	n/a	n/a	n/a	n/a	n/a

Official channelsLinks checked 2 Oct 2026

HMDA Data Browser (FFIEC and CFPB)The HMDA records of this lender in this state, with a CSV download.
Submit a complaint (Consumer Financial Protection Bureau)The CFPB form for a complaint about a mortgage or a lender.

Cite this page

Page: Lender Register, "AdvantageFirst Lending Inc in Ohio: mortgage rates, 2025", https://lenderregister.com/lender/254900m2c4q6datp2889-advantagefirst-lending-inc/oh/
Source: Federal Financial Institutions Examination Council and Consumer Financial Protection Bureau, Home Mortgage Disclosure Act data, 2025
Data date: HMDA year 2025. Page made 2 Oct 2026.

Provenance

The figures come from the public HMDA loan/application register of 2022 to 2025. They are the records of this LEI for homes in Ohio. This site withholds a figure with fewer than 25 applications. Method of the figures. Terms. Report an error.

Questions

What share of the loans of AdvantageFirst Lending Inc were in Ohio in 2025?: 245 of its loans originated, out of 4,137 in all states. That is 5.9%.
In which counties of Ohio did AdvantageFirst Lending Inc originate the most loans in 2025?: The three with the most loans were Franklin County (32), Cuyahoga County (14) and Hamilton County (13).
Which loan types did AdvantageFirst Lending Inc originate in Ohio in 2025?: 27 conventional, 142 FHA and 76 VA.
What share of the applications in Ohio did AdvantageFirst Lending Inc report in 2025?: 0.2%: 699 out of 464,003 applications of all lenders in the state.