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Rocket Mortgage 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, Rocket Mortgage reported 19,293 applications and 14,225 originations for 2024, $2.6bn in all.
Its denial rate in the state was 18.7%, below the Ohio rate of 23.5% across all lenders and compared with the lender's national rate of 18.2%.
The median rate spread on its Ohio originations was 0.6 percentage points (state median 0.5).
Applications in the state were up 23% on 2023.
Compared with the state and the lender's national record
| Measure | In Ohio | Ohio, all lenders | Rocket Mortgage, all states | United States |
|---|---|---|---|---|
| Denial rate | 18.7% | 23.5% | 18.2% | 24.3% |
| Median rate spread, pp | 0.6 | 0.5 | 0.5 | 0.3 |
| Originations with spread of 1.5 pp or more | 15.4% | 17.7% | 17.8% | 15.6% |
| Average originated loan | $183k | $218k | $270k | $329k |
| Home purchase share | 35.7% | 51.7% | 38.0% | 57.0% |
| FHA-insured share | 27.6% | 12.3% | 18.5% | 13.4% |
| VA-guaranteed share | 7.2% | 5.9% | 7.8% | 7.9% |
Trend by year
ApplicationsOriginations
This lender in stateOhio, all lenders
Loan purpose and loan type in Ohio
By purpose
Home purchase 36% (5,075)Home improvement 1% (126)Refinancing 9% (1,226)Cash-out refinancing 50% (7,157)Other purpose 5% (641)
By type
Conventional 65% (9,273)FHA 28% (3,922)VA 7% (1,030)
Denial reasons as coded
Share of 3,342 denials in Ohio by first denial reason coded (outlined bar: all lenders in the state).
Counties in Ohio
| County | Applications | Originations | Amount | Denial rate |
|---|---|---|---|---|
| Cuyahoga County | 2,109 | 1,576 | $281m | 18.6% |
| Franklin County | 1,687 | 1,231 | $252m | 17.7% |
| Summit County | 995 | 761 | $131m | 15.8% |
| Hamilton County | 1,012 | 727 | $146m | 20.4% |
| Montgomery County | 813 | 612 | $102m | 18.0% |
| Stark County | 784 | 589 | $96m | 17.2% |
| Butler County | 689 | 530 | $110m | 15.9% |
| Lorain County | 663 | 493 | $94m | 17.5% |
| Lucas County | 648 | 464 | $73m | 18.6% |
| Lake County | 535 | 420 | $72m | 14.7% |
| Warren County | 465 | 360 | $90m | 13.3% |
| Clermont County | 367 | 283 | $62m | 14.0% |
| Delaware County | 342 | 266 | $76m | 14.0% |
| Licking County | 371 | 264 | $56m | 21.2% |
| Medina County | 361 | 263 | $53m | 18.6% |
| Trumbull County | 364 | 253 | $33m | 23.6% |
| Mahoning County | 372 | 250 | $40m | 27.2% |
| Fairfield County | 328 | 249 | $59m | 17.5% |
| Portage County | 294 | 217 | $39m | 19.3% |
| Clark County | 257 | 197 | $33m | 15.7% |
| Richland County | 229 | 168 | $24m | 19.8% |
| Greene County | 220 | 157 | $33m | 17.3% |
| Wood County | 204 | 157 | $29m | 17.7% |
| Columbiana County | 181 | 139 | $21m | 18.0% |
| Erie County | 185 | 136 | $22m | 16.9% |
| Ashtabula County | 197 | 133 | $19m | 24.6% |
| Wayne County | 166 | 127 | $22m | 16.7% |
| Miami County | 166 | 125 | $23m | 15.8% |
| Geauga County | 157 | 119 | $28m | 18.1% |
| Marion County | 148 | 110 | $16m | 18.5% |
| Huron County | 131 | 101 | $15m | 12.9% |
| Muskingum County | 143 | 96 | $16m | 25.4% |
| Tuscarawas County | 125 | 93 | $16m | 22.5% |
| Union County | 118 | 93 | $25m | 11.9% |
| Pickaway County | 123 | 89 | $17m | 15.9% |
| Sandusky County | 118 | 88 | $13m | 20.0% |
| Allen County | 119 | 82 | $14m | 25.7% |
| Knox County | 104 | 82 | $15m | 14.1% |
| Ashland County | 103 | 82 | $14m | 15.3% |
| Washington County | 110 | 78 | $12m | 23.3% |
Counties with at least 25 applications, by originations.
Questions and answers
How many mortgages did Rocket Mortgage originate in Ohio in 2024?
14,225 loans totalling $2.6bn, from 19,293 applications reported for properties in Ohio.
What is Rocket Mortgage's denial rate in Ohio?
18.7% of decided applications in Ohio were denied, against 23.5% for all lenders in the state and 18.2% 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 Rocket Mortgage lend in most?
By originations: Cuyahoga County (1,576), Franklin County (1,231), Summit County (761), Hamilton County (727), Montgomery County (612).
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.