Today's Ohio (OH) Mortgage Rates

Ohio (OH) Mortgage Rates & Mortgage Loan Data – Prior Year

Mortgage Actions Taken

Loan originated: 2,465,682
Application denied by financial institution: 1,067,087
Loan purchased by the institution: 736,439
Application withdrawn by applicant: 386,066
Application approved but not accepted: 227,677
File closed for incompleteness: 124,925
Preapproval request denied by financial institution: 813
Preapproval request approved but not accepted: 33

Purpose of Loans

Refinancing: 2,993,508
Home purchase: 1,677,332
Home improvement: 337,882

Mortgage Types

Conventional: 3,720,738
FHA-insured: 1,038,163
VA-guaranteed: 182,928
FSA/RHS-guaranteed: 66,893

Mortage Actions by Applicant Race

White: 3,775,131
Information not provided by applicant in mail, Internet, or telephone application: 473,075
Not applicable: 376,533
Black or African American: 285,442
Asian: 74,587
American Indian or Alaska Native: 16,668
Native Hawaiian or Other Pacific Islander: 7,286

Mortage Actions by Applicant Ethnicity

Not Hispanic or Latino: 4,083,368
Information not provided by applicant in mail, Internet, or telephone application: 474,170
Not applicable: 377,952
Hispanic or Latino: 73,232

Mortage Actions by Applicant Sex

Male: 3,044,980
Female: 1,293,952
Not applicable: 376,644
Information not provided by applicant in mail, Internet, or telephone application: 293,146

Mortage Actions by Agency Name

Consumer Financial Protection Bureau: 1,257,666
Office of the Comptroller of the Currency: 1,201,303
Department of Housing and Urban Development: 1,016,410
Federal Reserve System: 499,088
Office of Thrift Supervision: 459,052
Federal Deposit Insurance Corporation: 359,543
National Credit Union Administration: 215,660

Mortage Actions by County

Franklin County: 581,527
Cuyahoga County: 488,258
Hamilton County: 393,538
Summit County: 239,595
Montgomery County: 232,135
Butler County: 191,337
Lucas County: 163,223
Stark County: 156,409
Warren County: 148,607
Lorain County: 137,400
Delaware County: 135,656
Clermont County: 114,398
Lake County: 108,969
Medina County: 95,123
Licking County: 89,799
Mahoning County: 87,665
Greene County: 80,588
Fairfield County: 77,893
Trumbull County: 74,849
Portage County: 70,168
Clark County: 56,240
Wood County: 53,624
Miami County: 51,892
Geauga County: 46,310
Richland County: 42,684
Allen County: 39,842
Wayne County: 39,485
Columbiana County: 36,656
Ashtabula County: 35,888
Erie County: 33,311
Hancock County: 33,018
Union County: 32,054
Muskingum County: 29,319
Ross County: 26,050
Knox County: 25,923
Tuscarawas County: 25,792
Scioto County: 25,026
Pickaway County: 24,980
Lawrence County: 24,660
Belmont County: 23,412
Ottawa County: 22,698
Marion County: 22,140
Jefferson County: 21,990
Huron County: 21,322
Sandusky County: 20,221
Washington County: 20,201
Brown County: 19,879
Logan County: 19,155
Preble County: 19,026
Shelby County: 18,950
Ashland County: 18,950
Fulton County: 18,797
Madison County: 18,128
Auglaize County: 17,824
Seneca County: 17,681
Darke County: 17,320
Clinton County: 16,381
Highland County: 15,820
Champaign County: 15,793
Williams County: 15,701
Morrow County: 15,162
Defiance County: 15,035
Unknown: 12,869
Perry County: 12,456
Guernsey County: 12,257
Putnam County: 12,094
Crawford County: 11,443
Carroll County: 11,361
Hocking County: 10,638
Athens County: 10,196
Mercer County: 10,140
Fayette County: 9,916
Henry County: 9,910
Jackson County: 9,644
Van Wert County: 9,394
Gallia County: 9,134
Hardin County: 8,916
Coshocton County: 8,813
Wyandot County: 7,983
Adams County: 7,853
Pike County: 7,008
Holmes County: 6,985
Paulding County: 6,351
Harrison County: 4,874
Meigs County: 4,484
Monroe County: 3,548
Morgan County: 3,120
Vinton County: 3,034
Noble County: 2,824

Mortage Actions by City

Columbus – OH: 978,606
Unknown: 759,904
Cincinnati, Middletown – OH, KY, IN: 730,145
Cleveland, Elyria, Mentor – OH: 724,711
Dayton – OH: 380,337
Akron – OH: 309,473
Toledo – OH: 254,108
Canton, Massillon – OH: 167,589
Youngstown, Warren, Boardman – OH, PA: 162,361
Cleveland, Elyria – OH: 150,447
Cincinnati – OH, KY, IN: 137,149
Springfield – OH: 56,229
Mansfield – OH: 42,613
Lima – OH: 39,811
Sandusky – OH: 28,166
Huntington, Ashland – WV, KY, OH: 24,601
Wheeling – WV, OH: 23,382
Parkersburg, Marietta, Vienna – WV, OH: 17,110
Weirton, Steubenville – WV, OH: 13,351
Steubenville, Weirton – OH, WV: 8,629

Mortage Denial Reasons

Unknown: 4,184,037
Credit history: 250,248
Collateral: 208,741
Debt-to-income ratio: 151,292
Credit application incomplete: 94,416
Other: 72,687
Unverifiable information: 20,084
Insufficient cash (downpayment, closing costs): 17,751
Employment history: 7,979
Mortgage insurance denied: 1,487

HOEPA Status of Mortage Loans

Not a HOEPA loan: 5,007,658
HOEPA loan: 1,064

Lien Status of Mortage Loans

Secured by a first lien: 3,914,875
Not applicable: 736,439
Secured by a subordinate lien: 241,502
Not secured by a lien: 115,906

Owner Occupancy Status of Mortage Loans

Owner-occupied as a principal dwelling: 4,674,010
Not owner-occupied as a principal dwelling: 321,187
Not applicable: 13,525

Mortgages by Property Type

One-to-four family dwelling (other than manufactured housing): 4,925,289
Manufactured housing: 72,959
Multifamily dwelling: 10,474

Mortgages by Purchaser Type

Loan was not originated or was not sold in calendar year covered by register: 2,721,995
Fannie Mae (FNMA): 586,983
Freddie Mac (FHLMC): 495,083
Ginnie Mae (GNMA): 454,699
Affiliate institution: 221,006
Other type of purchaser: 219,232
Commercial bank, savings bank or savings association: 153,608
Life insurance company, credit union, mortgage bank, or finance company: 132,200
Private securitization: 23,760
Farmer Mac (FAMC): 156