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MARKET BENCHMARKS · HMDA PUBLIC DATA

Ohio mortgage market benchmarks

Ohio origination trends 2018–2025 from HMDA public data: volume, denial rates, and purchase vs refinance mix. Free and open — no account required.

Originations 2025

277,933

+12.9% vs 2024

2024: 246,113

Volume 2025

$63.72B

originated $
2024: $53.76B

Denial rate 2025

17.7%

denied / actioned
2024: 19.2% denied / actioned

Reporting lenders 2025

1,108

HMDA reporters
2024: 1,079 reporters

Origination volume by year

Dollar volume of originated loans

$ VOLUME · HOVER FOR UNITS
$0$25B$50B$75B$100B20182019202020212022202320242025$63.72B

Loan purpose mix

Share of 2025 originations

Denial rate by year

Denials / actioned applications (CFPB convention)

0.0%11.2%22.5%2018201920202021202220232024202517.7%

Ohio market by year

YEARLENDERSAPPLICATIONSORIGINATIONSVOLUMEDENIALPURCHASEREFI
20251,108467,680277,933$63.72B2025 origination volume277,933 loans originated17.7%2025 denial rate467,680 applications actioned47.9%44.3%
20241,079417,049246,113$53.76B2024 origination volume246,113 loans originated19.2%2024 denial rate417,049 applications actioned51.6%38.3%
20231,096382,956226,777$46.34B2023 origination volume226,777 loans originated19.5%2023 denial rate382,956 applications actioned54.1%34.7%
20221,074517,077315,791$65.34B2022 origination volume315,791 loans originated17.5%2022 denial rate517,077 applications actioned47.5%49.0%
20211,069758,776496,152$98.53B2021 origination volume496,152 loans originated13.1%2021 denial rate758,776 applications actioned35.3%73.5%
20201,011706,542464,122$90.37B2020 origination volume464,122 loans originated12.9%2020 denial rate706,542 applications actioned35.5%70.0%
2019998514,704328,242$57.43B2019 origination volume328,242 loans originated16.6%2019 denial rate514,704 applications actioned47.5%50.7%
2018986467,118289,065$46.08B2018 origination volume289,065 loans originated19.5%2018 denial rate467,118 applications actioned51.8%43.9%

Attribution & methodology. Benchmarks are computed by MortRadar from Home Mortgage Disclosure Act (HMDA) public data files published by the Consumer Financial Protection Bureau (CFPB) and the Federal Financial Institutions Examination Council (FFIEC), covering activity years 2018–2025. Originations = loans originated (action taken 1); denial rate = denials / actioned applications (CFPB Data Browser convention); 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.

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