Ohio Mortgage Lending in 2025
Explore residential mortgage lending activity in Ohio using official HMDA public records. Review underwriting credit decisions, borrower demographics, regional metro markets, and the most active lenders.
Credit Decision Outcomes (2025)
Outcomes for 189,619 actionable applications (Actions 1, 2, and 3).
How Ohio Compares
Key metrics: Ohio vs. U.S. (2025)
| Metric | Ohio | U.S. |
|---|---|---|
| Actionable Apps | 189,619 | 5,197,320 |
| Approval Rate | 84.54% | 82.12% |
| Denial Rate | 15.46% | 17.88% |
| Originations | 154,049 | 4,052,301 |
| Originated Volume | $41.46 Billion | $1.58 Trillion |
| Median Loan | $235,000 | $325,000 |
Lending Trends in Ohio
Year-over-year shifts: 2025 vs. 2024
| Metric | 2024 | 2025 | Change |
|---|---|---|---|
| Consumer Universe | 219,398 | 244,872 | +11.61% |
| Actionable Apps | 171,746 | 189,619 | +10.41% |
| Originations | 139,238 | 154,049 | +10.64% |
| Approval Rate | 84.42% | 84.54% | +0.12 pp |
| Denial Rate | 15.58% | 15.46% | -0.12 pp |
| Median Loan | $215,000 | $235,000 | +9.30% |
| Dollar Volume | $35.15 Billion | $41.46 Billion | +17.96% |
Applications by Borrower Income (Ohio)
Approval and denial rates across gross annual income tiers (2025)
| Income Bracket | Apps | Approval % | Denial % |
|---|---|---|---|
| $100k–$149,999 | 38,552 | 89.42% | 10.58% |
| $150k+ | 35,499 | 93.03% | 6.97% |
| $50k–$99,999 | 77,248 | 84.37% | 15.63% |
| <$50k | 27,265 | 66.16% | 33.84% |
| Income unavailable/entity | 11,055 | 86.78% | 13.22% |
Metropolitan Areas in Ohio
Top metropolitan areas ranked by total actionable applications
| Metropolitan Area | Apps | Originations | Approval % |
|---|---|---|---|
| Cincinnati | 42,650 | 34,944 | 85.55% |
| Columbus | 37,984 | 31,590 | 86.34% |
| Cleveland | 33,233 | 27,310 | 84.74% |
| Dayton-Kettering-Beavercreek | 14,925 | 12,265 | 86.34% |
| Akron | 10,960 | 9,187 | 86.31% |
| Toledo | 8,321 | 6,734 | 84.05% |
| Canton-Massillon | 6,583 | 5,370 | 84.43% |
| Youngstown-Warren | 6,418 | 5,164 | 83.37% |
| Huntington-Ashland | 5,702 | 3,621 | 68.99% |
| Springfield | 2,473 | 1,938 | 83.22% |
| Mansfield | 2,017 | 1,613 | 84.18% |
| Lima | 1,553 | 1,173 | 79.20% |
| Sandusky | 1,583 | 1,271 | 82.69% |
| Wheeling | 1,317 | 1,004 | 78.97% |
| Weirton-Steubenville | 1,337 | 1,015 | 79.81% |
Top Mortgage Lenders by Action 1 Originations
Institutions ranked strictly by total originated loans in Ohio (2025)
| Rank | Lending Institution | Originations | Approval % |
|---|---|---|---|
| 1 | ROCKET MORTGAGE | 12,140 | 79.77% |
| 2 | CROSSCOUNTRY MORTGAGE, LLC | 9,749 | 97.45% |
| 3 | United Wholesale Mortgage | 8,861 | 86.05% |
| 4 | Huntington National Bank | 7,838 | 90.26% |
| 5 | UNION HOME MORTGAGE CORP. | 4,386 | 96.42% |
| 6 | Union Savings Bank | 3,664 | 94.49% |
| 7 | Fifth Third Bank, National Association | 3,371 | 84.04% |
| 8 | JPMorgan Chase Bank, NA | 3,342 | 87.58% |
| 9 | Mortgage Research Center | 3,233 | 72.75% |
| 10 | NFM, INC | 2,946 | 98.80% |
Methodology
Learn how HMDA credit outcomes, action codes, and consumer filters are computed.
Read Methodology →State Directory
Compare mortgage lending patterns and approval rates across the 54 reporting states and territories.
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