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Fairway Independent Mort Corp in Ohio

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

LEI 549300MGPZBLQDIL7538
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, Fairway Independent Mort Corp reported 3,586 applications and 2,727 originations for 2024, $546m in all.

Its denial rate in the state was 4.0%, below the Ohio rate of 23.5% across all lenders and compared with the lender's national rate of 6.0%.

The median rate spread on its Ohio originations was 0.7 percentage points (state median 0.5).

Applications in the state were down 20% on 2023.

3,586applications in OH, 20243.6% of the lender's total
2,727loans originated$546m
4.0%denial rateOH all lenders 23.5%
0.7 ppmedian rate spreadOH 0.5 pp

Compared with the state and the lender's national record

MeasureIn OhioOhio, all lendersFairway Independent Mort Corp, all statesUnited States
Denial rate4.0%23.5%6.0%24.3%
Median rate spread, pp0.70.50.40.3
Originations with spread of 1.5 pp or more9.0%17.7%5.0%15.6%
Average originated loan$200k$218k$319k$329k
Home purchase share96.8%51.7%91.1%57.0%
FHA-insured share20.5%12.3%22.0%13.4%
VA-guaranteed share5.0%5.9%8.3%7.9%

Trend by year

ApplicationsOriginations

03078.56,1572022: 6,157 Applications2023: 4,510 Applications2024: 3,586 Applications2022: 4,504 Originations2023: 3,420 Originations2024: 2,727 Originations202220232024
Fairway Independent Mort Corp in Ohio: applications and originations, 2022–2024

This lender in stateOhio, all lenders

0%12%24%2022: 8.5% This lender in state2023: 4.9% This lender in state2024: 4% This lender in state202220232024
Denial rate by year, state rate dashed

Loan purpose and loan type in Ohio

By purpose

Home purchase 97% (2,641)Home improvement 0% (9)Refinancing 1% (21)Cash-out refinancing 2% (44)Other purpose 0% (12)

By type

Conventional 73% (1,989)FHA 21% (560)VA 5% (135)USDA 2% (43)

Denial reasons as coded

Credit history20%
Credit application incomplete18.3%
Collateral16.5%
Debt-to-income ratio14.8%
Other10.4%
Employment history8.7%
Unverifiable information6.1%
Insufficient cash (downpayment, closing costs)5.2%
Mortgage insurance denied0%

Share of 115 denials in Ohio by first denial reason coded (outlined bar: all lenders in the state).

Counties in Ohio

CountyApplicationsOriginationsAmountDenial rate
Summit County467364$67m2.1%
Stark County324251$48m3.8%
Montgomery County278191$30m8.8%
Hamilton County248187$42m5.5%
Butler County199157$37m2.5%
Cuyahoga County206154$26m0.6%
Franklin County205144$41m3.4%
Richland County147126$21m3.8%
Clermont County142107$22m6.9%
Mahoning County10982$12m7.8%
Columbiana County9377$13m2.5%
Portage County8669$15m2.8%
Knox County8866$14m4.3%
Lorain County8162$9.9m3.1%
Warren County8558$18m0.0%
Licking County8155$15m5.2%
Fairfield County6952$16m0.0%
Medina County5342$10m6.5%
Trumbull County5040$6.3m2.4%
Tuscarawas County3533$5.7m0.0%
Ashland County3532$4.9m0.0%
Wayne County3429$5.4m9.4%
Delaware County3326$9.1m3.7%
Lake County3226$3.9m7.1%
Crawford County3224$3.6m11.1%
Greene County4423$4.6m14.8%
Morrow County2722$5.1m—
Clark County2620$2.4m—
Brown County3316$2.7m—

Counties with at least 25 applications, by originations.

Questions and answers

How many mortgages did Fairway Independent Mort Corp originate in Ohio in 2024?

2,727 loans totalling $546m, from 3,586 applications reported for properties in Ohio.

What is Fairway Independent Mort Corp's denial rate in Ohio?

4.0% of decided applications in Ohio were denied, against 23.5% for all lenders in the state and 6.0% 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 Fairway Independent Mort Corp lend in most?

By originations: Summit County (364), Stark County (251), Montgomery County (191), Hamilton County (187), Butler County (157).

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 1 Oct 2026; data through 1 Aug 2026. See methodology and corrections.