States › Ohio
Ohio mortgage lending
Every HMDA reporter's applications, originations and denial rate for properties in Ohio, with all 88 counties.
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. Record year 2024.
Ohio had 414,495 HMDA-reported mortgage applications and 246,244 originations ($54bn) in 2024, from 492 lenders with at least 25 applications in the state.
The statewide denial rate was 23.5% (national 24.3%) and the median rate spread 0.5 percentage points (national 0.3). Originations ran at 50.6 per 1,000 households, against 48.0 nationally.
Originations in the state went from 288,875 in 2018 to 246,244 in 2024; the denial rate moved from 23.2% to 23.5%.
The most active lenders by originations were Huntington National Bank (24,948), Rocket Mortgage (14,225) and Crosscountry Mortgage, LLC (9,696).
Most active lenders in Ohio
| # | Lender | Applications | Originations | Amount | Denial rate | Median spread |
|---|---|---|---|---|---|---|
| 1 | Huntington National Bank | 44,757 | 24,948 | $3.9bn | 32.7% | 0.7 |
| 2 | Rocket Mortgage | 19,293 | 14,225 | $2.6bn | 18.7% | 0.6 |
| 3 | Crosscountry Mortgage, LLC | 14,056 | 9,696 | $2.2bn | 2.5% | 0.8 |
| 4 | Fifth Third Bank, National Association | 16,649 | 9,650 | $1.5bn | 29.8% | 0.9 |
| 5 | United Wholesale Mortgage | 10,591 | 7,840 | $1.9bn | 13.8% | 0.3 |
| 6 | Third Federal Savings and Loan | 11,758 | 7,194 | $965m | 29.9% | -0.5 |
| 7 | PNC Bank N.A. | 10,746 | 5,981 | $1.0bn | 31.0% | 0.8 |
| 8 | Wright Patt Credit Union Inc | 8,143 | 5,250 | $730m | 25.0% | 0.3 |
| 9 | Union Savings Bank | 6,201 | 4,775 | $1.2bn | 8.3% | 0.3 |
| 10 | Union Home Mortgage Corp. | 5,581 | 4,247 | $978m | 4.7% | 0.8 |
| 11 | CBNA Year to Date | 6,379 | 3,755 | $509m | 30.7% | 0.8 |
| 12 | Us Bank, N.A. | 8,389 | 3,721 | $584m | 46.7% | 1.2 |
| 13 | JPMorgan Chase Bank, NA | 5,486 | 3,550 | $1.2bn | 12.4% | 0.2 |
| 14 | The Park National Bank | 4,707 | 3,265 | $526m | 20.6% | 0.4 |
| 15 | Mortgage Research Center | 6,053 | 3,198 | $784m | 21.9% | -0.0 |
| 16 | Guaranteed Rate, Inc. | 4,511 | 3,043 | $797m | 4.6% | 0.3 |
| 17 | Fairway Independent Mort Corp | 3,586 | 2,727 | $546m | 4.0% | 0.7 |
| 18 | First Financial Bank | 4,140 | 2,646 | $614m | 29.9% | 0.4 |
| 19 | NFM, Inc | 3,375 | 2,610 | $726m | 1.2% | 0.7 |
| 20 | Loandepot.com, LLC | 4,588 | 2,595 | $443m | 28.9% | 0.7 |
| 21 | Premier Bank | 3,412 | 2,326 | $379m | 24.9% | 0.6 |
| 22 | Ruoff Mortgage Company | 3,148 | 2,230 | $512m | 6.1% | 0.4 |
| 23 | Newrez LLC | 4,644 | 1,971 | $412m | 29.7% | 0.6 |
| 24 | Keybank National Association | 3,480 | 1,961 | $351m | 33.1% | 0.3 |
| 25 | Lower, LLC | 2,845 | 1,912 | $490m | 10.8% | 0.7 |
| 26 | Nvr Mortgage Finance, Inc. | 2,545 | 1,884 | $592m | 18.9% | -0.0 |
| 27 | Freedom Mortgage Corporation | 4,182 | 1,847 | $451m | 18.3% | 0.4 |
| 28 | Pennymac Loan Services LLC | 3,694 | 1,815 | $404m | 18.7% | 0.3 |
| 29 | Kiavi Funding, Inc. | 2,260 | 1,755 | $269m | 9.0% | — |
| 30 | Superior Credit Union, Inc. | 3,153 | 1,677 | $253m | 16.4% | 1.1 |
| 31 | Kemba Financial Credit Union | 3,196 | 1,657 | $178m | 40.2% | 0.3 |
| 32 | Navy Federal Credit Union | 3,563 | 1,644 | $300m | 32.3% | 0.5 |
| 33 | Howard Hanna Financial Services, Inc | 2,027 | 1,633 | $398m | 2.5% | 0.4 |
| 34 | Seven Seventeen Credit Union | 2,378 | 1,564 | $134m | 20.7% | 1.3 |
| 35 | Figure Lending LLC | 2,788 | 1,461 | $85m | 25.2% | 4.0 |
| 36 | Nationstar Mortgage | 2,190 | 1,409 | $219m | 17.9% | 1.2 |
| 37 | Wesbanco Bank, Inc. | 2,007 | 1,385 | $440m | 18.3% | -0.4 |
| 38 | First National Bank of Pa | 1,910 | 1,285 | $309m | 27.0% | 0.0 |
| 39 | Discover Bank | 7,783 | 1,280 | $97m | 75.2% | 2.5 |
| 40 | First Federal S&L of Lakewood | 1,701 | 1,261 | $350m | 11.5% | 0.2 |
| 41 | Primelending | 1,544 | 1,193 | $245m | 4.5% | 0.6 |
| 42 | Farmers National Bank | 1,612 | 1,149 | $213m | 20.1% | -0.0 |
| 43 | Dollar Bank, FSB | 1,772 | 1,080 | $178m | 32.9% | 0.4 |
| 44 | Peoples Bank | 1,527 | 1,063 | $132m | 21.3% | 0.4 |
| 45 | Civista Bank | 1,448 | 1,045 | $287m | 15.0% | 0.3 |
| 46 | First Community Mortgage | 1,307 | 1,044 | $263m | 4.9% | 0.5 |
| 47 | Victory Mortgage, LLC | 1,219 | 1,026 | $370m | 4.1% | -0.6 |
| 48 | Synergy One Lending, Inc. | 1,487 | 1,023 | $197m | 8.5% | 0.5 |
| 49 | M/I Financial. LLC | 1,407 | 1,006 | $427m | 2.3% | 0.0 |
| 50 | New American Funding, LLC. | 3,501 | 988 | $170m | 31.5% | 1.2 |
| 51 | First Commonwealth Bank | 1,519 | 983 | $277m | 23.3% | -0.2 |
| 52 | Mutual of Omaha Mortgage | 1,624 | 981 | $222m | 21.8% | 0.5 |
| 53 | Pulte Mortgage LLC | 1,291 | 978 | $406m | 8.0% | -0.5 |
| 54 | Coastal Community Bank | 3,442 | 972 | $46m | 1.3% | 5.1 |
| 55 | Ixonia Bank | 1,272 | 971 | $169m | 1.7% | 1.0 |
| 56 | General Electric Credit Union | 1,429 | 968 | $175m | 9.2% | -1.6 |
| 57 | The State Bank & Trust Company | 1,214 | 932 | $250m | 11.0% | 0.0 |
| 58 | Spring Eq, LLC | 2,797 | 911 | $66m | 61.0% | 4.1 |
| 59 | Equity Resources Inc | 1,372 | 902 | $197m | 8.8% | 0.5 |
| 60 | BPL Mortgage, LLC | 1,189 | 899 | $102m | 9.9% | — |
Top 60 of 492 lenders with at least 25 applications in the state, by originations. 308 lenders have 100 or more applications here and link to a state-specific page.
Compared with the nation
| Measure | Ohio | United States |
|---|---|---|
| Denial rate | 23.5% | 24.3% |
| Median rate spread, pp | 0.5 | 0.3 |
| Originations with spread of 1.5 pp or more | 17.7% | 15.6% |
| Average originated loan | $218k | $329k |
| Originations per 1,000 households | 50.6 | 48.0 |
| Home purchase share of originations | 51.7% | 57.0% |
| FHA-insured share | 12.3% | 13.4% |
| VA-guaranteed share | 5.9% | 7.9% |
Trend, 2018–2024
ApplicationsOriginations
OhioUnited States
FHA share of originationsVA share
| Year | Applications | Originations | Amount | Denial rate | FHA | VA | Refinance share |
|---|---|---|---|---|---|---|---|
| 2018 | 465,438 | 288,875 | $46bn | 23.2% | 12.9% | 5.3% | 29.9% |
| 2019 | 513,054 | 328,655 | $57bn | 20.0% | 12.9% | 6.4% | 36.7% |
| 2020 | 707,024 | 465,794 | $91bn | 16.0% | 10.2% | 7.0% | 55.6% |
| 2021 | 756,930 | 496,820 | $99bn | 16.3% | 10.7% | 6.1% | 54.8% |
| 2022 | 515,073 | 316,148 | $65bn | 21.6% | 11.1% | 4.7% | 31.5% |
| 2023 | 382,640 | 227,191 | $46bn | 24.0% | 12.7% | 4.7% | 21.5% |
| 2024 | 414,495 | 246,244 | $54bn | 23.5% | 12.3% | 5.9% | 25.0% |
Yearly figures from the HMDA Data Browser aggregations for the state (all reporters).
Loan purpose and loan type, 2024
By purpose
Home purchase 52% (127,222)Home improvement 12% (29,099)Refinancing 12% (29,231)Cash-out refinancing 13% (32,431)Other purpose 11% (27,971)
By type
Conventional 81% (200,045)FHA 12% (30,249)VA 6% (14,611)USDA 1% (1,339)
Counties
| County | Applications | Originations | Per 1,000 households | Denial rate | Median spread | Lenders |
|---|---|---|---|---|---|---|
| Franklin County | 46,471 | 27,518 | 49.8 | 23.2% | 0.4 | 162 |
| Cuyahoga County | 42,619 | 24,095 | 43.4 | 26.7% | 0.5 | 142 |
| Hamilton County | 28,949 | 17,218 | 48.5 | 22.8% | 0.4 | 139 |
| Summit County | 19,974 | 12,122 | 52.4 | 22.7% | 0.6 | 92 |
| Montgomery County | 19,600 | 11,685 | 50.5 | 22.2% | 0.5 | 101 |
| Butler County | 14,769 | 8,946 | 60.9 | 21.6% | 0.5 | 92 |
| Stark County | 12,983 | 8,011 | 51.4 | 22.1% | 0.7 | 69 |
| Lucas County | 13,087 | 7,827 | 42.7 | 24.2% | 0.7 | 77 |
| Lorain County | 12,619 | 7,578 | 59.4 | 23.6% | 0.5 | 71 |
| Delaware County | 10,695 | 6,573 | 79.9 | 19.3% | 0.3 | 70 |
| Warren County | 10,030 | 6,386 | 69.4 | 19.0% | 0.4 | 67 |
| Clermont County | 9,109 | 5,578 | 65.7 | 21.0% | 0.4 | 70 |
| Lake County | 9,040 | 5,546 | 54.8 | 22.4% | 0.5 | 53 |
| Mahoning County | 8,213 | 4,755 | 48.5 | 26.2% | 0.7 | 52 |
| Licking County | 7,828 | 4,676 | 68.1 | 23.0% | 0.4 | 60 |
| Medina County | 7,087 | 4,443 | 60.8 | 21.2% | 0.4 | 50 |
| Fairfield County | 7,366 | 4,407 | 73.0 | 22.8% | 0.4 | 59 |
| Trumbull County | 6,940 | 3,998 | 46.2 | 27.1% | 0.8 | 43 |
| Greene County | 6,105 | 3,902 | 57.2 | 18.4% | 0.3 | 46 |
| Portage County | 5,242 | 3,122 | 47.8 | 23.8% | 0.6 | 46 |
| Clark County | 4,870 | 2,956 | 52.8 | 23.3% | 0.6 | 39 |
| Wood County | 4,191 | 2,630 | 48.5 | 22.4% | 0.6 | 38 |
| Miami County | 4,106 | 2,628 | 58.5 | 20.7% | 0.5 | 36 |
| Richland County | 4,005 | 2,422 | 48.3 | 22.9% | 0.6 | 31 |
| Geauga County | 3,653 | 2,236 | 62.4 | 23.5% | 0.4 | 29 |
| Allen County | 3,366 | 2,040 | 49.4 | 23.7% | 0.6 | 29 |
| Wayne County | 3,225 | 2,022 | 45.6 | 22.6% | 0.6 | 28 |
| Union County | 3,244 | 2,016 | 83.2 | 17.2% | 0.3 | 30 |
| Muskingum County | 3,201 | 1,884 | 54.8 | 23.6% | 0.6 | 27 |
| Columbiana County | 3,189 | 1,809 | 43.6 | 27.2% | 0.7 | 26 |
| Ashtabula County | 3,179 | 1,749 | 44.6 | 29.1% | 0.7 | 28 |
| Pickaway County | 2,633 | 1,588 | 72.5 | 21.3% | 0.4 | 35 |
| Knox County | 2,304 | 1,436 | 61.1 | 21.7% | 0.5 | 20 |
| Hancock County | 2,341 | 1,395 | 44.1 | 23.4% | 0.6 | 16 |
| Erie County | 2,365 | 1,388 | 42.7 | 25.2% | 0.5 | 24 |
| Marion County | 2,167 | 1,275 | 51.7 | 23.5% | 0.7 | 21 |
| Ross County | 2,229 | 1,220 | 40.9 | 24.8% | 0.6 | 21 |
| Tuscarawas County | 1,991 | 1,198 | 31.1 | 24.8% | 0.7 | 19 |
| Ashland County | 1,787 | 1,143 | 55.2 | 22.4% | 0.6 | 15 |
| Madison County | 1,907 | 1,130 | 72.0 | 23.0% | 0.5 | 20 |
| Belmont County | 1,831 | 1,064 | 39.1 | 25.0% | 0.6 | 18 |
| Scioto County | 2,041 | 1,030 | 35.7 | 32.8% | 0.7 | 16 |
| Brown County | 1,725 | 1,016 | 59.3 | 23.3% | 0.6 | 14 |
| Ottawa County | 1,574 | 992 | 53.6 | 20.0% | 0.6 | 15 |
| Logan County | 1,724 | 961 | 49.1 | 27.5% | 0.6 | 16 |
| Huron County | 1,568 | 960 | 40.9 | 23.4% | 0.6 | 15 |
| Clinton County | 1,594 | 932 | 55.6 | 24.4% | 0.6 | 18 |
| Jefferson County | 1,694 | 916 | 33.7 | 29.1% | 0.7 | 13 |
| Sandusky County | 1,447 | 892 | 36.1 | 23.8% | 0.5 | 15 |
| Washington County | 1,479 | 880 | 35.5 | 24.1% | 0.5 | 14 |
| Lawrence County | 1,764 | 868 | 38.3 | 32.6% | 0.5 | 22 |
| Auglaize County | 1,363 | 867 | 45.8 | 20.2% | 0.6 | 11 |
| Darke County | 1,303 | 832 | 39.1 | 20.3% | 0.6 | 12 |
| Highland County | 1,390 | 828 | 48.9 | 22.4% | 0.7 | 14 |
| Shelby County | 1,340 | 822 | 43.5 | 23.4% | 0.6 | 16 |
| Seneca County | 1,340 | 810 | 36.4 | 23.9% | 0.7 | 13 |
| Preble County | 1,318 | 804 | 48.1 | 22.9% | 0.7 | 14 |
| Fulton County | 1,281 | 784 | 46.2 | 23.3% | 0.5 | 10 |
| Champaign County | 1,378 | 781 | 49.9 | 27.5% | 0.6 | 12 |
| Williams County | 1,231 | 779 | 50.3 | 22.1% | 0.6 | 7 |
| Morrow County | 1,385 | 763 | 56.7 | 29.0% | 0.5 | 16 |
| Crawford County | 1,218 | 699 | 38.7 | 27.7% | 0.7 | 9 |
| Defiance County | 1,136 | 690 | 45.0 | 26.2% | 0.6 | 9 |
| Perry County | 1,165 | 682 | 50.7 | 25.5% | 0.7 | 10 |
| Guernsey County | 1,133 | 678 | 41.5 | 24.7% | 0.7 | 13 |
| Fayette County | 1,082 | 648 | 55.9 | 24.4% | 0.7 | 11 |
| Coshocton County | 1,059 | 630 | 42.6 | 23.1% | 0.6 | 11 |
| Hocking County | 1,093 | 610 | 52.7 | 27.7% | 0.8 | 9 |
| Putnam County | 874 | 592 | 45.0 | 16.6% | 0.5 | 7 |
| Carroll County | 940 | 558 | 49.8 | 25.9% | 0.7 | 5 |
| Athens County | 891 | 532 | 23.1 | 21.3% | 0.6 | 7 |
| Henry County | 883 | 524 | 45.8 | 25.9% | 0.6 | 7 |
| Jackson County | 988 | 502 | 38.8 | 32.7% | 0.5 | 9 |
| Adams County | 891 | 498 | 47.8 | 27.3% | 0.7 | 6 |
| Hardin County | 780 | 452 | 38.6 | 26.1% | 0.7 | 8 |
| Van Wert County | 751 | 424 | 36.7 | 28.0% | 0.7 | 8 |
| Mercer County | 626 | 408 | 24.9 | 21.5% | 0.5 | 4 |
| Paulding County | 602 | 364 | 47.7 | 24.1% | 0.5 | 6 |
| Pike County | 701 | 364 | 33.5 | 27.8% | 0.7 | 7 |
| Wyandot County | 601 | 362 | 40.2 | 22.2% | 0.7 | 5 |
| Gallia County | 722 | 342 | 29.4 | 36.7% | 0.6 | 10 |
| Holmes County | 432 | 248 | 18.5 | 26.4% | 0.5 | 4 |
| Meigs County | 501 | 233 | 25.6 | 33.3% | 0.7 | 4 |
| Vinton County | 412 | 219 | 41.1 | 29.3% | 0.6 | 4 |
| Harrison County | 415 | 211 | 35.5 | 33.8% | 0.8 | 1 |
| Morgan County | 347 | 201 | 35.2 | 22.8% | 0.6 | 2 |
| Monroe County | 280 | 175 | 31.0 | 21.3% | 0.4 | 2 |
| Noble County | 244 | 148 | 32.0 | 26.2% | 0.4 | 1 |
By originations. Lenders: those with at least 25 applications in the county.
VA-guaranteed loans by month
VA publishes lender volume nationally, not by state; see the Aug 2026 VA lender table and the monthly series. The VA-guaranteed share of Ohio originations by year is charted above from HMDA.
Questions and answers
Which mortgage lenders are most active in Ohio?
By 2024 originations: Huntington National Bank (24,948), Rocket Mortgage (14,225), Crosscountry Mortgage, LLC (9,696), Fifth Third Bank, National Association (9,650), United Wholesale Mortgage (7,840). 492 lenders had at least 25 applications in the state.
What is the mortgage denial rate in Ohio?
23.5% of decided applications were denied in 2024, against 24.3% nationally. HMDA data alone cannot be used to determine whether a lender is complying with fair lending laws.
How has mortgage lending in Ohio changed since 2018?
Originations went from 288,875 in 2018 to 246,244 in 2024; the denial rate moved from 23.2% to 23.5%.
Where does this data come from?
From the public HMDA loan/application register (FFIEC and CFPB) for 2024, the HMDA Data Browser aggregations for 2018–2024, and Census Bureau household estimates.
Provenance
Source: HMDA public loan/application register 2022, 2023, 2024 and Data Browser aggregations 2018–2024 (FFIEC and CFPB, public domain); households from the Census Bureau ACS 2024 five-year estimates. Built 30 Sep 2026; data through 1 Aug 2026.