Lenders › 21st Mortgage › Ohio
21st 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, 21st Mortgage reported 3,035 applications and 696 originations for 2024, $56m in all.
Its denial rate in the state was 67.3%, above the Ohio rate of 23.5% across all lenders and compared with the lender's national rate of 70.3%.
The median rate spread on its Ohio originations was 5.7 percentage points (state median 0.5).
Applications in the state were up 8% on 2023.
Compared with the state and the lender's national record
| Measure | In Ohio | Ohio, all lenders | 21st Mortgage, all states | United States |
|---|---|---|---|---|
| Denial rate | 67.3% | 23.5% | 70.3% | 24.3% |
| Median rate spread, pp | 5.7 | 0.5 | 4.2 | 0.3 |
| Originations with spread of 1.5 pp or more | 99.8% | 17.7% | 99.0% | 15.6% |
| Average originated loan | $80k | $218k | $114k | $329k |
| Home purchase share | 97.7% | 51.7% | 98.4% | 57.0% |
| FHA-insured share | 0.0% | 12.3% | 0.0% | 13.4% |
| VA-guaranteed share | 0.0% | 5.9% | 0.0% | 7.9% |
Trend by year
ApplicationsOriginations
This lender in stateOhio, all lenders
Loan purpose and loan type in Ohio
By purpose
Home purchase 98% (680)Home improvement 0% (2)Refinancing 2% (11)Cash-out refinancing 0% (2)Other purpose 0% (1)
By type
Conventional 100% (696)
Denial reasons as coded
Share of 1,496 denials in Ohio by first denial reason coded (outlined bar: all lenders in the state).
Counties in Ohio
| County | Applications | Originations | Amount | Denial rate |
|---|---|---|---|---|
| Clermont County | 200 | 62 | $8.8m | 62.2% |
| Lorain County | 194 | 54 | $3.7m | 59.9% |
| Portage County | 145 | 30 | $1.6m | 69.2% |
| Stark County | 85 | 29 | $2.7m | 53.2% |
| Champaign County | 115 | 26 | $2.8m | 62.3% |
| Wood County | 94 | 24 | $1.3m | 65.8% |
| Miami County | 48 | 24 | $1.7m | 45.5% |
| Hancock County | 95 | 21 | $1.0m | 70.8% |
| Butler County | 86 | 19 | $1.2m | 69.4% |
| Hamilton County | 77 | 19 | $975k | 64.9% |
| Richland County | 66 | 19 | $1.3m | 57.8% |
| Franklin County | 146 | 18 | $1.2m | 80.8% |
| Trumbull County | 99 | 18 | $810k | 76.5% |
| Licking County | 100 | 17 | $1.2m | 75.0% |
| Allen County | 97 | 17 | $1.9m | 70.8% |
| Madison County | 64 | 17 | $1.1m | 63.8% |
| Delaware County | 55 | 17 | $1.0m | 58.5% |
| Pickaway County | 57 | 15 | $955k | 58.3% |
| Erie County | 42 | 15 | $925k | 57.1% |
| Geauga County | 52 | 14 | $780k | 55.9% |
| Warren County | 46 | 14 | $630k | 55.6% |
| Ashtabula County | 57 | 13 | $965k | 69.0% |
| Lucas County | 45 | 13 | $2.6m | 57.6% |
| Lake County | 55 | 11 | $685k | 70.3% |
| Montgomery County | 88 | 10 | $470k | 82.5% |
| Morrow County | 32 | 10 | $890k | 60.0% |
| Mahoning County | 32 | 8 | $660k | — |
| Brown County | 30 | 7 | $965k | 72.0% |
| Lawrence County | 26 | 7 | $475k | — |
| Gallia County | 25 | 6 | $1.1m | — |
| Wayne County | 37 | 5 | $275k | 76.9% |
| Columbiana County | 39 | 1 | $45k | 96.2% |
Counties with at least 25 applications, by originations.
Questions and answers
How many mortgages did 21st Mortgage originate in Ohio in 2024?
696 loans totalling $56m, from 3,035 applications reported for properties in Ohio.
What is 21st Mortgage's denial rate in Ohio?
67.3% of decided applications in Ohio were denied, against 23.5% for all lenders in the state and 70.3% 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 21st Mortgage lend in most?
By originations: Clermont County (62), Lorain County (54), Portage County (30), Stark County (29), Champaign County (26).
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.