STATE MARKET PROFILE · HMDA PUBLIC DATA
Ohio mortgage market
Who lends in Ohio, how much, and how it is changing — origination volume, denial rates, the top lenders by volume, and the purchase vs refinance mix, 2018–2025, from HMDA public data. Figures are as of activity year 2025 (latest available). Free — no account required.
Origination volume · 2025
$63.72B
+18.5% vs 2024
Originations · 2025
277,933
+12.9% vs 2024
Denial rate · 2025
17.7%
HMDA reporters · 2025
1,108
Rank among states & territories
#15
of 54 states & territories by volume
Ohio's rank by origination volume in 2025Share of U.S. volume
2.6%
U.S. $2.41T
Share of national origination volumeMedian loan amount
$165K
U.S. $245K
Midpoint-rounded median loan amount on originationsTop lender
Huntington National Bank
6.9% of the state
$4.41B originated in Ohio, 2025MARKET SHARE
Huntington National Bank led Ohio in 2025 with $4.41B — 6.9% of the state's disclosed volume. Ohio ranks #15 of 54 states & territories by origination volume, 2.6% of the national total. Statewide volume rose +18.5% from 2024.
Origination volume by year
Ohio dollar volume of originated loans
Loan purpose mix
Share of 2025 ORIGINATED LOANS — a unit mix. No source publishes purpose-level dollars, so this is never a $ share.
Denial rate by year
Ohio vs the U.S. · denials / actioned applications
Agency channel mix
Share of 2025 originations
Lenders in Ohio · 2025
All 1,108 lenders that reported in Ohio, ranked by origination volume · sort, filter and export any of them · each row opens the company profile
1-4 family dwellings: Originations whose derived dwelling category is Single Family (1-4 Units) — site-built or manufactured.
What “originations” counts
Every rung below is a strict subset of the one above it, for Ohio in 2025. No single HMDA slice equals the industry origination figure, so this shows the whole ladder rather than picking one and claiming it matches.
Source: HMDA public loan-application data (CFPB/FFIEC), action taken = 1, activity year 2025. The two lowest rungs are shown for disclosure and are not selectable — a HELOC flag or a business-purpose flag that the filer claimed the partial exemption on arrives unreported, so those two rungs keep unreported records rather than guessing.
Counties in Ohio
Mortgage lending by county — 88 with enough origination volume to profile, largest first
COUNTY PROFILES INCLUDE
Origination volume and denial rate, market concentration, the top lenders operating there, ACS housing and income context, and FEMA natural-hazard exposure.
Go deeper
Ohio in the full MortRadar app
Other state markets
Largest states by 2025 volume
Attribution & methodology. Ohio figures are computed by MortRadar from Home Mortgage Disclosure Act (HMDA) public data published by the Consumer Financial Protection Bureau (CFPB) and the Federal Financial Institutions Examination Council (FFIEC), activity years 2018–2025. Originations = loans originated (action taken 1); denial rate = denials / actioned applications (CFPB Data Browser convention); “state share” is a lender’s share of the state’s disclosed origination volume; loan amounts are the public files’ midpoint-rounded values. MortRadar’s aggregations are derived works and are not published, reviewed, or endorsed by the CFPB, FFIEC, or any government agency. See data attribution and the disclaimer.
Fair-lending context: denial rates and demographic figures shown here are descriptive statistics derived from public HMDA and U.S. Census data. HMDA does not contain the credit, income, or underwriting variables that explain most lending outcomes, so a difference between lenders or areas is a statistical observation about published data — not evidence of, and not a determination of, discrimination or redlining by any institution.