Ohio Mortgage Lending
970 lenders reporting under HMDA
Statewide mortgage activity. Lenders filed 460,906 HMDA-reported mortgage applications in Ohio in 2024, originating 246,113 loans and denying 79,511. That puts the statewide denial rate at 17.3% and the approval (origination) rate at 53.4%. The average loan amount across Ohio was $203,792 at an average note rate of 7.46%. 970 distinct institutions, banks, credit unions, and independent mortgage companies, filed HMDA data covering activity in the state. Applications span 88 counties and 16 metropolitan areas.
What drives state-level differences. State mortgage denial rates reflect applicant mix more than lender stance. Credit profiles, loan-to-value ratios, debt-to-income, property type, and rural-versus-urban composition all move the number before any lender policy does. Demographic lending data reported under HMDA shows variation across applicant groups, for example, White applicants had an approval rate of 60.7% and denial rate of 17.5%; while Black or African American applicants had an approval rate of 46.5% and denial rate of 27.7%. These are derived race categories as reported by applicants and do not by themselves prove causation; credit score, income, and loan-to-value are not reported in HMDA and drive much of the underlying variation. Top counties by volume include Franklin County, Cuyahoga County, Hamilton County.
How to read this page. These are aggregate 2024 HMDA disclosures published by the Consumer Financial Protection Bureau, a federal transparency dataset, not a real-time market feed. A state-level number is useful for context but cannot tell you what rate, fees, or underwriting any individual lender will offer a specific borrower. This page is informational data reporting, not financial, legal, or mortgage advice. Shop at least three lenders, compare Loan Estimates line-by-line, and consult a licensed mortgage professional before applying. Data reflects the CFPB HMDA 2024 Snapshot National Loan-Level Dataset; demographic fields reflect derived categories as reported by applicants.
Nearby Lenders in Ohio
Top HMDA-reporting lenders active in Ohio. Compare any two side-by-side for rates, denial rates, and loan mix.
| # | Lender | Originated | Market Share |
|---|---|---|---|
| 1 | Huntington National Bank | 24,948 | 10.1% |
| 2 | Rocket Mortgage | 14,225 | 5.8% |
| 3 | Crosscountry Mortgage, LLC | 9,696 | 3.9% |
| 4 | Fifth Third Bank, National Association | 9,650 | 3.9% |
| 5 | United Wholesale Mortgage | 7,840 | 3.2% |
Lending by Race in Ohio
Derived race categories as reported under HMDA. Source: CFPB.
| Race | Applications | Approval Rate | Denial Rate |
|---|---|---|---|
| White | 300,854 | 60.7% | 17.5% |
| Black or African American | 34,253 | 46.5% | 27.7% |
| Asian | 13,398 | 55.0% | 16.2% |
| Joint | 5,837 | 62.8% | 14.4% |
| American Indian or Alaska Native | 1,535 | 42.4% | 28.6% |
| 2 or more minority races | 698 | 36.7% | 32.5% |
| Native Hawaiian or Other Pacific Islander | 430 | 46.7% | 25.6% |
Counties in Ohio
| County | Applications | Originated | Denial Rate | Avg Loan |
|---|---|---|---|---|
| Franklin County | 51,733 | 27,444 | 16.8% | $277,242 |
| Cuyahoga County | 46,828 | 24,083 | 19.7% | $192,043 |
| Hamilton County | 32,200 | 17,214 | 16.5% | $235,088 |
| Summit County | 22,290 | 12,112 | 16.6% | $193,396 |
| Montgomery County | 21,968 | 11,687 | 16.2% | $182,127 |
| Butler County | 16,585 | 8,943 | 15.7% | $206,940 |
| Stark County | 14,354 | 8,011 | 16.6% | $165,163 |
| Lorain County | 14,217 | 7,578 | 17.2% | $184,318 |
| Lucas County | 14,091 | 7,828 | 18.6% | $146,722 |
| Delaware County | 11,836 | 6,560 | 14.0% | $357,514 |
| Warren County | 11,334 | 6,386 | 13.9% | $268,561 |
| Clermont County | 10,531 | 5,577 | 14.9% | $222,371 |
| Lake County | 10,056 | 5,545 | 16.7% | $178,112 |
| Mahoning County | 8,971 | 4,754 | 19.7% | $139,551 |
| Licking County | 8,674 | 4,669 | 16.9% | $232,507 |
| Fairfield County | 8,237 | 4,400 | 16.7% | $252,000 |
| Medina County | 7,816 | 4,442 | 16.0% | $223,831 |
| Trumbull County | 7,664 | 3,998 | 20.3% | $127,430 |
| Greene County | 6,990 | 3,902 | 13.3% | $234,438 |
| Portage County | 5,741 | 3,120 | 17.8% | $194,326 |
| Clark County | 5,435 | 2,956 | 17.4% | $152,505 |
| Miami County | 4,610 | 2,641 | 15.7% | $189,371 |
| Wood County | 4,448 | 2,630 | 17.9% | $185,214 |
| Richland County | 4,369 | 2,422 | 17.4% | $145,229 |
| Geauga County | 3,917 | 2,235 | 18.5% | $221,137 |
| Union County | 3,702 | 2,012 | 11.9% | $327,536 |
| Allen County | 3,634 | 2,040 | 18.2% | $146,381 |
| Wayne County | 3,573 | 2,022 | 17.4% | $173,727 |
| Muskingum County | 3,545 | 1,884 | 17.2% | $154,408 |
| Ashtabula County | 3,467 | 1,749 | 21.8% | $137,818 |
| Columbiana County | 3,445 | 1,809 | 20.5% | $130,919 |
| Pickaway County | 3,125 | 1,587 | 14.5% | $230,168 |
| Erie County | 2,597 | 1,389 | 18.8% | $165,246 |
| Hancock County | 2,585 | 1,394 | 17.0% | $183,990 |
| Knox County | 2,501 | 1,436 | 16.5% | $186,435 |
| Ross County | 2,481 | 1,220 | 17.4% | $165,161 |
| Marion County | 2,406 | 1,269 | 17.0% | $149,476 |
| Tuscarawas County | 2,225 | 1,198 | 18.6% | $163,000 |
| Scioto County | 2,217 | 1,030 | 24.1% | $129,294 |
| Madison County | 2,132 | 1,130 | 16.7% | $221,280 |
| Belmont County | 2,009 | 1,064 | 18.9% | $141,799 |
| Ashland County | 1,941 | 1,143 | 17.7% | $152,512 |
| Brown County | 1,932 | 1,016 | 16.9% | $176,454 |
| Logan County | 1,924 | 959 | 20.0% | $172,105 |
| Jefferson County | 1,873 | 916 | 21.6% | $123,281 |
| Lawrence County | 1,871 | 868 | 24.1% | $134,631 |
| Clinton County | 1,782 | 932 | 17.9% | $175,051 |
| Huron County | 1,706 | 960 | 17.9% | $149,578 |
| Ottawa County | 1,656 | 994 | 15.2% | $215,175 |
| Washington County | 1,624 | 880 | 18.0% | $166,416 |
| Sandusky County | 1,587 | 893 | 18.4% | $136,601 |
| Shelby County | 1,569 | 822 | 16.6% | $160,488 |
| Highland County | 1,546 | 828 | 16.3% | $181,022 |
| Champaign County | 1,523 | 777 | 20.5% | $154,770 |
| Morrow County | 1,509 | 760 | 21.5% | $191,700 |
| Fulton County | 1,462 | 785 | 17.0% | $150,294 |
| Auglaize County | 1,461 | 867 | 15.7% | $152,426 |
| Preble County | 1,460 | 806 | 17.3% | $149,288 |
| Seneca County | 1,445 | 810 | 18.3% | $133,588 |
| Darke County | 1,419 | 837 | 15.9% | $143,245 |
| Williams County | 1,357 | 779 | 16.9% | $121,654 |
| Crawford County | 1,331 | 698 | 21.3% | $130,500 |
| Perry County | 1,293 | 682 | 18.7% | $170,050 |
| Guernsey County | 1,265 | 678 | 18.3% | $140,708 |
| Defiance County | 1,256 | 690 | 20.0% | $133,734 |
| Fayette County | 1,244 | 648 | 17.6% | $165,852 |
| Hocking County | 1,185 | 609 | 20.6% | $207,093 |
| Coshocton County | 1,154 | 630 | 17.2% | $150,910 |
| Jackson County | 1,096 | 502 | 24.3% | $144,973 |
| Carroll County | 1,021 | 558 | 19.8% | $159,799 |
| Adams County | 994 | 498 | 19.5% | $145,654 |
| Athens County | 981 | 532 | 15.3% | $171,035 |
| Henry County | 953 | 524 | 19.9% | $127,298 |
| Putnam County | 917 | 592 | 13.3% | $146,756 |
| Hardin County | 851 | 452 | 19.4% | $138,055 |
| Van Wert County | 810 | 425 | 21.2% | $127,840 |
| Pike County | 783 | 364 | 19.0% | $162,229 |
| Gallia County | 767 | 342 | 28.4% | $145,743 |
| Mercer County | 696 | 408 | 16.4% | $163,046 |
| Wyandot County | 649 | 362 | 16.5% | $130,932 |
| Paulding County | 637 | 364 | 19.0% | $113,210 |
| Meigs County | 528 | 233 | 25.6% | $123,580 |
| Harrison County | 463 | 211 | 25.3% | $134,546 |
| Holmes County | 447 | 248 | 21.0% | $197,148 |
| Vinton County | 444 | 219 | 22.3% | $170,811 |
| Morgan County | 380 | 201 | 16.6% | $158,684 |
| Monroe County | 296 | 175 | 16.6% | $126,993 |
| Noble County | 274 | 148 | 19.7% | $167,445 |
Metro Areas in Ohio
Frequently Asked Questions
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Mortgage Lending Guides
Source: Consumer Financial Protection Bureau (CFPB), Home Mortgage Disclosure Act (HMDA) 2024. State geography per U.S. Census Bureau standards.
Data from FFIEC / CFPB HMDA Snapshot National Loan-Level Dataset (2024). Demographic data reflects derived categories as reported by applicants. Provided for informational purposes only.
Read our methodology - how this data is sourced, computed, and verified.
Every figure on PlainLender is rendered directly from CFPB HMDA federal source data, no number is typed in by an editor. This page draws directly on CFPB HMDA federal source data, no figure is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.