Applications / Mortgage Analytics / Lenders / Ohio / The Equitable Mortgage
Dublin, OH · Independent non-bank lender · CFPB · 680 loans in 2025
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680
loans originated, 2025
872
applications, 2025
9
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
The Equitable Mortgage is an Ohio home-purchase lender that held its volume steady in 2025, matching similar lenders but trailing a market that grew by a tenth.
Purchases made up 82.8% of its loans and refinances the rest. It leans to conventional mortgages: 84.7% of its loans, a higher share than about four in five similar lenders (independent non-bank lenders making between half and twice as many loans). Loans insured by the Federal Housing Administration (FHA) were 11.3%, against 21.7% for peers. Manufactured homes are rare in its book.
It made 680 loans, up 1%, the same as the typical similar lender, while the whole market grew 10%. That is far below 2020, when it made 2,558.
It denied 2.1% of home-purchase applications, against 3.0% for similar lenders, and 2.7% of refinance applications, against 6.3%.
Columbus is its main market: it ranked 32 of 596 lenders, though its share slipped to 0.8% from 0.9%, possibly because its own volume held flat while lending in general grew. The Huntington National Bank leads there. It has also lent in Florida since 2001, in Cape Coral-Fort Myers and North Port-Bradenton-Sarasota, where its shares are small.
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Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. The Equitable Mortgage took 872 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Purchase 82.8% · Refinance 17.2%
Conventional 84.7% · FHA 11.3% · VA 3.4% · USDA (RHS or FSA) 0.6% · of 680 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 | 599 | 88.1% |
| Florida | 64 | 9.4% |
| Michigan | 5 | 0.7% |
| North Carolina | 4 | 0.6% |
| Colorado | 2 | 0.3% |
| Georgia | 2 | 0.3% |
| Texas | 2 | 0.3% |
| South Carolina | 1 | 0.1% |
| Tennessee | 1 | 0.1% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Columbus | 418 |
| Dayton-Kettering-Beavercreek | 27 |
| Cape Coral-Fort Myers | 24 |
| Cleveland | 19 |
| North Port-Bradenton-Sarasota | 19 |
| Canton-Massillon | 14 |
| Akron | 11 |
| Cincinnati | 10 |
| West Palm Beach-Boca Raton-Delray Beach | 5 |
| Mansfield | 4 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 549300D6BCLQFX6G1K95 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 3837001 | 2010–2023 |
| Respondent ID (the HMDA filer code before 2018) | 71411700003 | 1999–2017 |
Established 16 March 1995. Reported under HMDA 1999-2025.
Mergers, name changes, data editions and corrections: The Equitable Mortgage's data.
The Equitable Mortgage's data
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The Equitable Mortgage and its peers, 2018–2025: every application in the HMDA data, cleaned and corrected, as Parquet files, with the Jenner programs that made these pages.
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