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First Ohio Home Finance in Ohio
HMDA record for properties in Ohio, calendar year 2024. National record · Ohio overview
HMDA data alone cannot be used 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. Cells under 25 applications are withheld.
In Ohio, First Ohio Home Finance reported 938 applications and 645 originations for 2024, $123m in all.
Its denial rate in the state was 0.6%, below the Ohio rate of 23.5% across all lenders and compared with the lender's national rate of 0.6%.
The median rate spread on its Ohio originations was 0.8 percentage points (state median 0.5).
Applications in the state were up 5% on 2023.
Compared with the state and the lender's national record
| Measure | In Ohio | Ohio, all lenders | First Ohio Home Finance, all states | United States |
|---|---|---|---|---|
| Denial rate | 0.6% | 23.5% | 0.6% | 24.3% |
| Median rate spread, pp | 0.8 | 0.5 | 0.8 | 0.3 |
| Originations with spread of 1.5 pp or more | 10.6% | 17.7% | 11.4% | 15.6% |
| Average originated loan | $191k | $218k | $191k | $329k |
| Home purchase share | 89.1% | 51.7% | 89.0% | 57.0% |
| FHA-insured share | 19.4% | 12.3% | 19.2% | 13.4% |
| VA-guaranteed share | 2.8% | 5.9% | 2.7% | 7.9% |
Trend by year
ApplicationsOriginations
This lender in stateOhio, all lenders
Loan purpose and loan type in Ohio
By purpose
Home purchase 89% (575)Refinancing 4% (27)Cash-out refinancing 7% (43)
By type
Conventional 76% (488)FHA 19% (125)VA 3% (18)USDA 2% (14)
Denial reasons as coded
Withheld: fewer than 25 denials in the state.
Counties in Ohio
| County | Applications | Originations | Amount | Denial rate |
|---|---|---|---|---|
| Franklin County | 202 | 139 | $32m | 0.0% |
| Cuyahoga County | 150 | 78 | $9.6m | 2.5% |
| Summit County | 104 | 71 | $14m | 1.4% |
| Guernsey County | 52 | 45 | $7.7m | 0.0% |
| Stark County | 49 | 36 | $6.0m | 0.0% |
| Muskingum County | 45 | 36 | $7.2m | 0.0% |
| Lucas County | 36 | 29 | $2.4m | 0.0% |
| Montgomery County | 28 | 18 | $1.8m | — |
Counties with at least 25 applications, by originations.
Questions and answers
How many mortgages did First Ohio Home Finance originate in Ohio in 2024?
645 loans totalling $123m, from 938 applications reported for properties in Ohio.
What is First Ohio Home Finance's denial rate in Ohio?
0.6% of decided applications in Ohio were denied, against 23.5% for all lenders in the state and 0.6% for this lender nationally. HMDA data alone cannot be used to determine whether a lender is complying with fair lending laws.
Which Ohio counties does First Ohio Home Finance lend in most?
By originations: Franklin County (139), Cuyahoga County (78), Summit County (71), Guernsey County (45), Stark County (36).
Where does this data come from?
From the 2024 public HMDA loan/application register (FFIEC and CFPB), filtered to the lender's LEI and the property state. Cells under 25 applications are withheld.
Provenance
Source: HMDA public loan/application register 2022, 2023, 2024 (FFIEC and CFPB, public domain), records for this LEI with a property in Ohio. Built 30 Sep 2026; data through 1 Aug 2026. See methodology and corrections.