Applications / Mortgage Analytics / Lenders / Ohio / Your Home Financial
Westlake, OH · Non-bank or government lender · CFPB · 316 loans in 2025
Your Home Financial's data, $215Buy the data, $2,110Get Jenner, the SAS-compatible software
316
loans originated, 2025
472
applications, 2025
2
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Your Home Financial is an Ohio home-purchase lender that makes small loans, a fifth of them government-backed, to lower-income buyers, and its lending grew by almost a fifth in 2025.
Purchases made up 88.9% of its loans. Some 15.2% were insured by the Federal Housing Administration (FHA) and 5.1% guaranteed by the Department of Veterans Affairs (VA), whereas the typical similar lender (non-bank lenders making between half and twice as many loans) made none of either. Its typical loan was $205,000, against $355,000, smaller than at about nine in ten of them.
Low- and moderate-income (LMI) borrowers took 44.3% of its loans, against 24.2% for similar lenders, a higher share than about four in five of them. Only 6.3% of its loans went to majority-minority neighborhoods, against 33.0%. That may reflect the places it lends, mostly in Ohio.
Its loans rose 19% to 316, faster than similar lenders' 8% and the whole market's 10%. That follows a slump to 195 in 2023 from 560 in 2021, so it remains well below its early years.
It ranks 47 of 577 lenders around Cleveland, with a steady 0.4%. Its strongest position is Sandusky, 18 of 230, where its share slipped to 1.3% from 1.6%; Civista Bank leads there. A small market lets a few loans more or less move a share.
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, 2020–2025
Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. Your Home Financial took 472 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Purchase 88.9% · Refinance 11.1%
Conventional 79.1% · FHA 15.2% · VA 5.1% · USDA (RHS or FSA) 0.6% · of 316 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 | 315 | 99.7% |
| Florida | 1 | 0.3% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Cleveland | 196 |
| Sandusky | 36 |
| Akron | 17 |
| Youngstown-Warren | 8 |
| Canton-Massillon | 4 |
| Mansfield | 3 |
| Cincinnati | 1 |
| Columbus | 1 |
| North Port-Bradenton-Sarasota | 1 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 549300677KFX04XEUM68 | 2020–2025 |
Established 4 March 2019. Reported under HMDA 2020-2025.
Mergers, name changes, data editions and corrections: Your Home Financial's data.
Your Home Financial's data
$215
Your Home Financial 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.
Buy Your Home Financial's data, $215Jenner Mortgage Analytics: all the data
$2,110
Every mortgage application reported under HMDA from 1990 to 2025, cleaned and corrected, every lender followed across name changes and mergers, with the market-share and fair-lending tables behind these pages and the Jenner programs that built them: the warehouse and the datamart, as Parquet files.
Buy the data, $2,110Jenner, the SAS-compatible software
See prices
Jenner runs programs written in the SAS language. It drew every chart on these pages and fitted the fair-lending model, PROC GLIMMIX on 3.5 million applications. Run the programs that come with the data, or your own.
Get JennerQuestions, or the data and Jenner together: [email protected]