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Mortgage Research Center in Ohio

HMDA record for properties in Ohio, calendar year 2024. National record · Ohio overview

LEI 549300DD5QQUHO6PCH70
Reporting agency Department of Housing and Urban Development
State Ohio

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, Mortgage Research Center reported 6,053 applications and 3,198 originations for 2024, $784m in all.

Its denial rate in the state was 21.9%, close to the Ohio rate of 23.5% across all lenders and compared with the lender's national rate of 24.0%.

The median rate spread on its Ohio originations was -0.0 percentage points (state median 0.5).

Applications in the state were up 28% on 2023.

6,053applications in OH, 20244.1% of the lender's total
3,198loans originated$784m
21.9%denial rateOH all lenders 23.5%
-0.0 ppmedian rate spreadOH 0.5 pp

Compared with the state and the lender's national record

MeasureIn OhioOhio, all lendersMortgage Research Center, all statesUnited States
Denial rate21.9%23.5%24.0%24.3%
Median rate spread, pp-0.00.5-0.10.3
Originations with spread of 1.5 pp or more1.3%17.7%0.8%15.6%
Average originated loan$245k$218k$315k$329k
Home purchase share78.6%51.7%81.8%57.0%
FHA-insured share3.0%12.3%2.9%13.4%
VA-guaranteed share92.1%5.9%92.4%7.9%

Trend by year

ApplicationsOriginations

03026.56,0532022: 5,859 Applications2023: 4,717 Applications2024: 6,053 Applications2022: 3,018 Originations2023: 2,466 Originations2024: 3,198 Originations202220232024
Mortgage Research Center in Ohio: applications and originations, 2022–2024

This lender in stateOhio, all lenders

0%12%24%2022: 23.7% This lender in state2023: 22.9% This lender in state2024: 21.9% This lender in state202220232024
Denial rate by year, state rate dashed

Loan purpose and loan type in Ohio

By purpose

Home purchase 79% (2,514)Refinancing 18% (561)Cash-out refinancing 4% (123)

By type

Conventional 5% (152)FHA 3% (95)VA 92% (2,944)USDA 0% (7)

Denial reasons as coded

Credit history52.1%
Other17.1%
Credit application incomplete12.2%
Debt-to-income ratio10.1%
Insufficient cash (downpayment, closing costs)3.1%
Collateral3%
Employment history2.5%
Unverifiable information0%
Mortgage insurance denied0%

Share of 912 denials in Ohio by first denial reason coded (outlined bar: all lenders in the state).

Counties in Ohio

CountyApplicationsOriginationsAmountDenial rate
Montgomery County525284$71m16.7%
Cuyahoga County501267$60m24.6%
Franklin County378181$52m27.2%
Hamilton County293129$30m26.5%
Summit County235129$28m19.0%
Stark County188118$26m17.4%
Greene County195105$29m19.1%
Butler County18399$28m19.5%
Lucas County17296$22m22.2%
Lorain County19792$22m20.7%
Lake County13282$19m17.2%
Mahoning County15981$16m29.9%
Trumbull County12876$16m21.2%
Clark County11773$18m8.8%
Clermont County11152$17m23.6%
Fairfield County10951$18m23.5%
Licking County9350$16m18.8%
Miami County8649$14m26.5%
Ashtabula County8348$9.6m17.7%
Warren County8743$15m22.8%
Richland County7939$8.1m32.2%
Portage County6439$11m13.0%
Medina County6738$13m15.6%
Allen County6334$7.4m30.0%
Muskingum County5934$7.7m17.1%
Scioto County5631$5.9m22.5%
Columbiana County6829$5.7m34.8%
Wood County5129$7.0m14.7%
Washington County5126$5.3m18.2%
Ross County4825$6.3m27.8%
Huron County3624$5.0m11.1%
Williams County3323$4.7m—
Delaware County7422$9.3m40.5%
Lawrence County5122$4.7m35.3%
Sandusky County4122$4.3m27.3%
Logan County3822$5.1m17.9%
Auglaize County3122$4.5m15.4%
Champaign County2922$6.4m—
Shelby County3021$5.1m—
Tuscarawas County4020$5.0m16.0%

Counties with at least 25 applications, by originations.

Questions and answers

How many mortgages did Mortgage Research Center originate in Ohio in 2024?

3,198 loans totalling $784m, from 6,053 applications reported for properties in Ohio.

What is Mortgage Research Center's denial rate in Ohio?

21.9% of decided applications in Ohio were denied, against 23.5% for all lenders in the state and 24.0% 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 Mortgage Research Center lend in most?

By originations: Montgomery County (284), Cuyahoga County (267), Franklin County (181), Hamilton County (129), Summit County (129).

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.