OH · Statewide HMDA 2024
Ohio mortgage lending
According to the CFPB HMDA 2024 Snapshot, 970 reporting lenders · 88 counties · 15 metros.
Volume rank is not origination-share rank
According to the CFPB HMDA 2024 Snapshot, Ohio ranks #6 of 54 by application volume but #27 of 52 states with 10,000+ applications on origination share (53.4%). Wisconsin leads that origination-share board at 64.0% on 214,597 applications. Volume rank is not origination-share rank.
- #27
- Origination-share rank of 52
- 53.4%
- Origination share
- 246,162
- Originated
- 17.3%
- Denial rate
According to the CFPB HMDA 2024 Snapshot. Origination share is originated divided by applications among states and territories with 10,000+ applications (the same floor as the national denial board). See /methodology#corpus-placement. Informational reporting, not mortgage advice.
Reported application outcomes
461,038reported applications
CFPB HMDA state filing plate
State OH · Ohio 17.3% denial
VOL-HEAVY · DEN-MID · PHOTO-FINISH · ORIG-FLOOR · BOOK-FULL · LEAD-MIX
- VOL-HEAVY #6/54
- DEN-MID 17.3%
- PHOTO-FINISH North Carolina
- ORIG-FLOOR 53.4%
- BOOK-FULL 970 lenders
- LEAD-MIX 10% top
Photo-finish peer: North Carolina · 17.3% denial (+0.0pp vs Ohio)
2024 HMDA Snapshot state sheet, volume rank, denial band, origination share, and reporter book. Informational reporting only.
Denial-rate neighbourhood · Ohio
Poles and nearest peers by statewide HMDA denial rate, not a full state roster.
Nationwide states with similar HMDA denial rate or application volume
Two statewide peer sets for Ohio: nearest jurisdictions by denial rate and by mortgage applications filed. These are cross-state neighborhoods, distinct from the denial-band chart above.
Similar denial rate
Nearest states by statewide denial rate (17.3% here).
Similar application volume
Nearest states by HMDA applications filed (461,038 here).
Top lenders by originations · Ohio
Funded loans among HMDA-reporting institutions active in this state.
Where Ohio sits by application volume
2024 CFPB HMDA states and territories, bucketed by mortgage applications filed
461,038 Top 11% higher than 89% of 54 states and territories
Each bar is a 150,000-applications band. The dashed line and filled bar mark this state. Hover, tap, or focus a bar for its count and population share.
Source CFPB Home Mortgage Disclosure Act Snapshot National Loan-Level Dataset · 2024 reporting year
Top counties by originations · Ohio
In-state county volume from the same HMDA county board linked below.
How to read this state sheet. Ohio filed 461,038 HMDA-reported applications in 2024 (#6 of 54 by volume) with a 17.3% denial rate - near the national 17.2% baseline. White applicants (300,956 apps) show 17.5% denial; Black or African American applicants (34,264 apps) show 27.7% denial - rates on groups below 100 applications are marked too small to read. This page is informational data reporting, not financial, legal, or mortgage advice.
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% |
Reported outcomes by applicant race in Ohio
CFPB derived race categories. HMDA carries no credit score, debt-to-income ratio or down payment, so a gap between these rows is an outcome difference and never, on its own, evidence of discrimination.
| Race | Applications | Approval Rate | Denial Rate |
|---|---|---|---|
| White | 300,956 | 60.7% | 17.5% |
| Black or African American | 34,264 | 46.5% | 27.7% |
| Asian | 13,400 | 55.0% | 16.2% |
| Joint | 5,841 | 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% |
Every county in Ohio, by lending volume
County totals sum the filings geocoded to that county, so they reconcile to the state row above rather than to any single lender's book.
| 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
How many mortgage applications were filed in Ohio?
Where does Ohio sit among U.S. states for mortgage volume?
What is the mortgage denial rate in Ohio?
What is the average mortgage loan amount in Ohio?
How many mortgage lenders operate in Ohio?
How do mortgage denial rates vary by demographics in Ohio?
Which counties in Ohio have the most mortgage activity?
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. Data current as of 2026-08-10. HMDA figures are lender-filed application outcomes for a published reporting year - not creditworthiness scores, rate quotes, Loan Estimates, underwriting decisions, or mortgage advice.