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Guaranteed Rate, Inc. in Ohio

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

LEI 549300U3721PJGQZYY68
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.

Guaranteed Rate, Inc.'s 2024 HMDA record for Ohio covers 4,511 applications, 3,043 of them originated, worth $797m.

Its denial rate in the state was 4.6%, below the Ohio rate of 23.5% across all lenders and compared with the lender's national rate of 9.0%.

The median rate spread on its Ohio originations was 0.3 percentage points (state median 0.5).

Applications in the state were up 14% on 2023.

4,511applications in OH, 20244.5% of the lender's total
3,043loans originated$797m
4.6%denial rateOH all lenders 23.5%
0.3 ppmedian rate spreadOH 0.5 pp

Compared with the state and the lender's national record

MeasureIn OhioOhio, all lendersGuaranteed Rate, Inc., all statesUnited States
Denial rate4.6%23.5%9.0%24.3%
Median rate spread, pp0.30.50.20.3
Originations with spread of 1.5 pp or more4.8%17.7%6.7%15.6%
Average originated loan$262k$218k$392k$329k
Home purchase share89.4%51.7%83.4%57.0%
FHA-insured share12.1%12.3%14.3%13.4%
VA-guaranteed share6.3%5.9%9.9%7.9%

Trend by year

ApplicationsOriginations

02255.54,5112022: 4,052 Applications2023: 3,974 Applications2024: 4,511 Applications2022: 2,764 Originations2023: 2,471 Originations2024: 3,043 Originations202220232024
Guaranteed Rate, Inc. in Ohio: applications and originations, 2022–2024

This lender in stateOhio, all lenders

0%12%24%2022: 4.2% This lender in state2023: 4.6% This lender in state2024: 4.6% This lender in state202220232024
Denial rate by year, state rate dashed

Loan purpose and loan type in Ohio

By purpose

Home purchase 89% (2,720)Home improvement 1% (39)Refinancing 4% (117)Cash-out refinancing 4% (125)Other purpose 1% (42)

By type

Conventional 81% (2,456)FHA 12% (368)VA 6% (192)USDA 1% (27)

Denial reasons as coded

Debt-to-income ratio30.5%
Credit history25.2%
Credit application incomplete15.9%
Collateral12.6%
Other6.6%
Insufficient cash (downpayment, closing costs)3.3%
Unverifiable information3.3%
Employment history2.6%
Mortgage insurance denied0%

Share of 151 denials in Ohio by first denial reason coded (outlined bar: all lenders in the state).

Counties in Ohio

CountyApplicationsOriginationsAmountDenial rate
Hamilton County724541$167m2.1%
Franklin County838519$156m3.1%
Cuyahoga County409277$73m4.7%
Ross County198151$30m1.9%
Summit County182123$24m8.1%
Stark County166114$20m3.3%
Montgomery County14696$20m5.9%
Clermont County12393$29m1.0%
Hancock County12880$16m4.6%
Warren County10276$23m3.7%
Butler County10374$20m2.6%
Lake County9468$14m1.4%
Delaware County11863$26m8.3%
Lucas County7752$9.4m14.3%
Fairfield County6343$13m0.0%
Geauga County6243$16m0.0%
Scioto County7836$5.6m22.9%
Pike County4833$7.1m0.0%
Greene County4530$8.1m3.2%
Portage County4330$8.5m14.3%
Wayne County4030$6.4m0.0%
Miami County3930$5.8m3.2%
Madison County4128$6.2m3.4%
Lorain County4227$6.8m0.0%
Medina County4425$8.6m7.1%
Licking County3825$6.3m3.8%
Pickaway County4124$6.9m7.1%
Allen County3424$3.9m7.4%
Union County2520$8.5m—
Clark County2518$3.0m—
Mahoning County2914$1.6m—

Counties with at least 25 applications, by originations.

Questions and answers

How many mortgages did Guaranteed Rate, Inc. originate in Ohio in 2024?

3,043 loans totalling $797m, from 4,511 applications reported for properties in Ohio.

What is Guaranteed Rate, Inc.'s denial rate in Ohio?

4.6% of decided applications in Ohio were denied, against 23.5% for all lenders in the state and 9.0% 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 Guaranteed Rate, Inc. lend in most?

By originations: Hamilton County (541), Franklin County (519), Cuyahoga County (277), Ross County (151), Summit County (123).

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.