Lender in Ohio · HMDA 2025
Rate mortgages in Ohio
Rate's 2025 home-purchase and refinance lending in Ohio, compared with all lenders in the state.
Rate originated 2,302 owner-occupied single-family loans in Ohio from 2,422 completed applications, making it the state's #13 lender by volume.
Its median conventional purchase loan costs were $4,920 versus $4,610 for all Ohio lenders, at a median 30-year fixed rate of 6.625% (Ohio: 6.625%).
Loans in OH
2,302
of 2,422 applications
Denial rate
2.3%
Purchase · OH 7.1%
Rate spread
+0.21 pts
Conv. · OH +0.22 pts
Loan amount
$265,000
Purchase · OH $245,000
By loan purpose
| Purpose | Applications | Loans | Denial rate | 30-yr rate* | Rate spread* | Loan costs* | Median loan |
|---|---|---|---|---|---|---|---|
| Home purchase | 2,076 | 2,019 | 2.3% | 6.625% | +0.21 pts | $4,920 | $265,000 |
| Refinance | 221 | 200 | 6.8% | 6.375% | −0.01 pts | $3,550 | $365,000 |
| Cash-out refinance | 125 | 83 | 32.8% | 6.990% | +0.53 pts | $5,860 | $215,000 |
*Conventional loans only; medians with at least 20 loans.
Ohio counties where Rate ranks in the top 25
Showing the 30 counties where it ranks highest, of 34.
| County | Rank | Loans | Market share |
|---|---|---|---|
| Ross County | 1 | 153 | 17.9% |
| Pike County | 2 | 21 | 8.8% |
| Hancock County | 5 | 46 | 4.5% |
| Franklin County | 9 | 461 | 2.8% |
| Madison County | 9 | 24 | 3.0% |
| Hardin County | 9 | 12 | 3.5% |
| Wyandot County | 9 | 5 | 2.3% |
| Miami County | 10 | 48 | 2.6% |
| Geauga County | 10 | 38 | 3.1% |
| Scioto County | 10 | 14 | 2.1% |
| Jackson County | 10 | 7 | 2.2% |
| Hamilton County | 12 | 212 | 2.0% |
| Seneca County | 12 | 9 | 1.7% |
| Stark County | 13 | 88 | 1.7% |
| Pickaway County | 13 | 31 | 2.4% |
| Putnam County | 13 | 5 | 1.2% |
| Fayette County | 14 | 9 | 2.3% |
| Lake County | 15 | 55 | 1.5% |
| Montgomery County | 16 | 131 | 1.7% |
| Summit County | 16 | 93 | 1.3% |
| Delaware County | 16 | 72 | 1.7% |
| Union County | 16 | 23 | 1.4% |
| Allen County | 16 | 21 | 1.7% |
| Highland County | 18 | 10 | 2.0% |
| Carroll County | 18 | 4 | 1.5% |
| Cuyahoga County | 19 | 192 | 1.4% |
| Wayne County | 19 | 16 | 1.3% |
| Warren County | 21 | 53 | 1.1% |
| Licking County | 21 | 40 | 1.4% |
| Portage County | 21 | 21 | 1.1% |
Source: FFIEC/CFPB HMDA 2025 public LAR. Statistical profile, not a review or offer. Methodology