Telhio mortgage approval rate & lending review
Telhio decided 1,608 mortgage applications and funded 1,215 loans across the 616 counties Fat Boy Data covers, 2023–2025.
These are the decisions Telhio reported under the Home Mortgage Disclosure Act, not its advertised interest rates.
Telhio at a glance
Approval is 10.6 points above the 72.3% 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 | 96% | 411 / 428 | 98% | $245K | 402 |
| Home improvement loans | 74% | 460 / 618 | 87% | $65K | 398 |
| Cash-out refinance | 83% | 309 / 372 | 88% | $105K | 273 |
| Refinance | 81% | 91 / 112 | 89% | $105K | 81 |
| Investment property purchase | 91% | 42 / 46 | 100% | $175K | 42 |
Telhio lending by state
| State | Approval | Typical loan | Decided | Loans made |
|---|---|---|---|---|
| Ohio | 83% | $105K | 1,594 | 1,204 |
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 Telhio lends most
| County | Loan type | Approval | Decided | Loans made |
|---|---|---|---|---|
| Franklin County, OH | Home improvement loans | 73% | 368 | 234 |
| Franklin County, OH | Mortgage lenders | 94% | 248 | 229 |
| Franklin County, OH | Cash-out refinance | 80% | 191 | 131 |
| Butler County, OH | Cash-out refinance | 87% | 77 | 63 |
| Butler County, OH | Home improvement loans | 80% | 92 | 61 |
| Franklin County, OH | Refinance | 80% | 60 | 42 |
| Licking County, OH | Home improvement loans | 73% | 51 | 35 |
| Delaware County, OH | Mortgage lenders | 100% | 32 | 32 |
| Fairfield County, OH | Mortgage lenders | 100% | 30 | 29 |
| Delaware County, OH | Home improvement loans | 71% | 42 | 24 |
| Licking County, OH | Cash-out refinance | 89% | 28 | 24 |
| Delaware County, OH | Cash-out refinance | 81% | 31 | 22 |
The county markets where Telhio made the most loans. Each link opens that market with every lender ranked.
Questions about Telhio
What is Telhio's mortgage approval rate?
Telhio approved 82.9% of the 1,608 mortgage applications it decided across the 616 counties Fat Boy Data covers, 2023–2025, 10.6 points above the 72.3% national rate for the same mix of loan types.
How often do borrowers take the loan Telhio offers?
Borrowers accepted 91% of the loans Telhio approved, against 93% for all home improvement loan lenders nationally. A low take-up usually means the approved terms were not competitive.
What size loans does Telhio make?
The typical home improvement loan loan Telhio made was $65K; across all loan types its typical loan ran from $65K to $245K. HMDA reports amounts in $10,000 brackets, so these are midpoints.
Where does Telhio lend?
Telhio decided applications in 6 of the states Fat Boy Data covers, most of them in Ohio, Florida and Colorado.
Can I apply to Telhio directly?
Yes. Telhio is a bank or credit union with 12 branches in the FDIC and NCUA registries, and it takes mortgage applications directly.
Does this page show Telhio'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 Telhio treats applications, then get a rate quote from the lender.