First Ohio Home Finance, Inc. mortgage approval rate & lending review
First Ohio Home Finance, Inc. decided 1,440 mortgage applications and funded 1,403 loans across the 616 counties Fat Boy Data covers, 2023–2025.
These are the decisions First Ohio Home Finance, Inc. reported under the Home Mortgage Disclosure Act, not its advertised interest rates. For current rates and applications go to firstohiohome.com.
First Ohio Home Finance, Inc. at a glance
Approval is 11.9 points above the 85.6% national rate for the same mix of loan types.
Approval rates by loan type
| Loan type | Approval | Approved | Taken up | Typical loan | Loans made |
|---|---|---|---|---|---|
| Mortgage lenders | 98% | 781 / 797 | 100% | $185K | 781 |
| Cash-out refinance | 98% | 44 / 45 | 100% | $195K | 44 |
| Refinance | 100% | 32 / 32 | 100% | $275K | 32 |
| Investment property purchase | 96% | 422 / 438 | 100% | $105K | 422 |
| Investment cash-out refinance | 96% | 90 / 94 | 100% | $105K | 90 |
| Investment refinance | 100% | 34 / 34 | 100% | $175K | 34 |
First Ohio Home Finance, Inc. lending by state
| State | Approval | Typical loan | Decided | Loans made |
|---|---|---|---|---|
| Ohio | 98% | $185K | 1,401 | 1,366 |
Fat Boy Data covers 616 counties, 79.6% of the US population, not every county in every state. States with fewer than 20 decisions are not listed.Methodology.
Where First Ohio Home Finance, Inc. lends most
| County | Loan type | Approval | Decided | Loans made |
|---|---|---|---|---|
| Franklin County, OH | Mortgage lenders | 98% | 181 | 177 |
| Summit County, OH | Mortgage lenders | 99% | 173 | 172 |
| Cuyahoga County, OH | Investment property purchase | 94% | 154 | 145 |
| Franklin County, OH | Investment property purchase | 98% | 136 | 133 |
| Stark County, OH | Mortgage lenders | 99% | 84 | 83 |
| Lucas County, OH | Investment property purchase | 98% | 51 | 50 |
| Richland County, OH | Mortgage lenders | 100% | 38 | 38 |
| Franklin County, OH | Investment cash-out refinance | 95% | 38 | 36 |
| Portage County, OH | Mortgage lenders | 94% | 35 | 33 |
| Delaware County, OH | Mortgage lenders | 100% | 32 | 32 |
| Licking County, OH | Mortgage lenders | 100% | 32 | 32 |
| Fairfield County, OH | Mortgage lenders | 96% | 25 | 24 |
The county markets where First Ohio Home Finance, Inc. made the most loans. Each link opens that market with every lender ranked.
Questions about First Ohio Home Finance, Inc.
What is First Ohio Home Finance, Inc.'s mortgage approval rate?
First Ohio Home Finance, Inc. approved 97.4% of the 1,440 mortgage applications it decided across the 616 counties Fat Boy Data covers, 2023–2025, 11.9 points above the 85.6% national rate for the same mix of loan types.
How often do borrowers take the loan First Ohio Home Finance, Inc. offers?
Borrowers accepted 100% of the loans First Ohio Home Finance, Inc. approved, against 96% for all home purchase mortgage lenders nationally. A low take-up usually means the approved terms were not competitive.
What size loans does First Ohio Home Finance, Inc. make?
The typical home purchase mortgage loan First Ohio Home Finance, Inc. made was $185K; across all loan types its typical loan ran from $105K to $275K. HMDA reports amounts in $10,000 brackets, so these are midpoints.
Where does First Ohio Home Finance, Inc. lend?
First Ohio Home Finance, Inc. decided applications in 8 of the states Fat Boy Data covers, most of them in Ohio, Michigan and Florida.
Can I apply to First Ohio Home Finance, Inc. directly?
Yes. First Ohio Home Finance, Inc. reports as a direct lender that takes applications from borrowers. Its website is firstohiohome.com.
Does this page show First Ohio Home Finance, Inc.'s interest rates?
No. HMDA filings record who applied, who was approved and how much was borrowed, not the rate offered. Use the approval rate and take-up here to judge how First Ohio Home Finance, Inc. treats applications, then get a rate quote from the lender.