Applications / Mortgage Analytics / Lenders / Ohio / First Ohio Home Finance
Westerville, OH · Independent non-bank lender · CFPB · 608 loans in 2025
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608
loans originated, 2025
819
applications, 2025
8
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
First Ohio Home Finance, a mortgage company based in Westerville, Ohio, lends to home buyers across Ohio in small sums, and in 2025 began lending in South Carolina and West Virginia.
Its typical loan was $185,000, little more than half the $330,000 of similar lenders, independent mortgage companies making between half and twice as many loans. That was smaller than at nineteen in twenty of them. More than four in five loans (83.2%) financed a purchase. Its government-backed share was ordinary: 21.7% of loans were insured by the Federal Housing Administration, close to the 20.7% of its peers.
It has lent in Columbus, Cleveland, Akron and Canton-Massillon since 2013, its first year of reporting. In Columbus, its biggest market, it ranked 71 of 596 lenders and held 0.3% of lending, the same as a year before; The Huntington National Bank leads there. It ranks higher in smaller places: 38 of 297 in Canton-Massillon.
In 2025 it made its first loans in Columbia and Greenville-Anderson-Greer in South Carolina and in Morgantown, West Virginia. Its footprint now spans 8 states and 70 counties. It ranks low among lenders in each of the new markets.
Its count peaked at 1,565 in 2020 and has drifted down since, to 608 in 2025. Last year's fall of 9% came as similar lenders grew 2%. The figures do not show why, though its share of Columbus, its largest market, held at 0.3%, so the fall was not a retreat from its home ground.
Similar lenders: same lender type, originations between half and twice the lender's in the data year. Written from the 2025 HMDA data and checked figure by figure against it.
FIG. 1 — LOANS ORIGINATED, 2018–2025
Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. First Ohio Home Finance took 819 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Purchase 83.2% · Refinance 16.8%
Conventional 73.5% · FHA 21.7% · USDA (RHS or FSA) 2.8% · VA 2.0% · of 608 loans. Purchase: buying a home. Refinance: replacing an existing mortgage, including cash-out. FHA: insured by the Federal Housing Administration. VA: guaranteed by the Department of Veterans Affairs. Conventional: neither.
SOURCE: FFIEC HMDA 2025, LOANS ORIGINATED
Where it lends, 2025
| State | Loans | Share |
|---|---|---|
| Ohio | 592 | 97.4% |
| Michigan | 4 | 0.7% |
| South Carolina | 3 | 0.5% |
| West Virginia | 3 | 0.5% |
| Indiana | 2 | 0.3% |
| Kentucky | 2 | 0.3% |
| Florida | 1 | 0.2% |
| Virginia | 1 | 0.2% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Columbus | 173 |
| Cleveland | 89 |
| Akron | 65 |
| Canton-Massillon | 42 |
| Toledo | 26 |
| Mansfield | 16 |
| Cincinnati | 14 |
| Dayton-Kettering-Beavercreek | 9 |
| Wheeling | 6 |
| Youngstown-Warren | 4 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 5493004NMXQUYEFD1Y98 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 4726942 | 2014–2023 |
| Respondent ID (the HMDA filer code before 2018) | 7311484057 |
Established 25 October 1996. Reported under HMDA 2013-2025.
Mergers, name changes, data editions and corrections: First Ohio Home Finance's data.
First Ohio Home Finance's data
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