Independent research · Ohio · statewide only
Ohio Mortgage & Lending Intelligence
The Ohio Department of Commerce Division of Financial Institutions (DFI) is the regulator under the Residential Mortgage Lending Act (ORC Chapter 1322). NMLS is licensing infrastructure, not the Ohio regulator. One RMLA company registration can cover lending, brokering, and servicing — those are activities, not separate company counts. A company is not an MLO person. Nonbank RMLA registration is not all Ohio mortgage lenders: banks and other exempt depositories can originate without appearing as RMLA companies. This page is not a ranking, recommendation, or Trust Score.
No Columbus, Cleveland, Cincinnati, Toledo, Dayton, Akron, or other local Ohio lender pages are published from this statewide page.
Snapshot lender-oh-state-intel-v1 · fingerprint c2f9a94cb644 · HMDA vintage HMDA 2025 · FDIC overlay as of 2026-06-26 · CFPB 2025 calendar year · OHFA county tables August 2026 county tables. Reused HMDA/FDIC retrieval instants are not recorded. Page generated 2026-09-18T16:19:59Z is not a license effective date.
Snapshot metrics
460,825
HMDA 2025 Ohio applications
Market activity. Not lenders and not current RMLA registrations.
276,279
HMDA 2025 Ohio originations
Originations are not a company count.
610
CFPB 2025 Ohio mortgage complaints
Consumer submissions. Not findings and not DFI enforcement.
88
Ohio counties in the HMDA slice
All 88 counties are represented. County rows are not county pages.
HMDA 2025 Ohio
460,825 applications, 276,279 originations, 80,708 denials as 17.51% of 460,825 total applications (numerator 80,708 denial observations ÷ denominator 460,825 total HMDA applications; not a decision-based denial rate and not lender quality). Purchase 189,505, refinance 152,236, other purpose 119,084. Conventional 364,628, FHA 63,151, VA 31,019, USDA/other 2,027. Mix bars are application shares, not quality. A separate LEI-cell grain is 456,221 applications / 276,279 originations / 79,024 denials across 981 distinct LEIs (county-market minus LEI-cell applications 4,604). Distinct LEIs are not RMLA registrations and are not NMLS IDs. Property geography is not headquarters.
Current Ohio RMLA company registration
Current residential mortgage company and MLO research is directed by DFI eLicense to NMLS Consumer Access. No complete public current RMLA company roster was acquired (OPEN_SEARCH_ONLY). Search-only is not zero companies. Ohio DFI license/registration identifiers stay separate from NMLS Unique IDs. Branches and DBAs are not extra companies. Do not add lending, brokering, and servicing as three company counts. MLOs are a person grain and are not added to companies. General Loan Law, CILA, Small Loan, and Short-Term Loan licenses are not the RMLA mortgage universe. Verify on NMLS Consumer Access and DFI eLicense lookup.
CFPB Ohio mortgage complaints (2025)
610 distinct complaint IDs for product Mortgage and state OH in calendar year 2025. A consumer complaint is not a regulator finding and is not a quality score. Company name is not an NMLS identity. No name-only attachments. CFPB Consumer Complaint Database
DFI complaints and enforcement
DFI accepts written consumer-finance complaints, but no public bulk mortgage complaint dataset was acquired (INTAKE_AVAILABLE / BULK_NOT_PUBLIC). Missing is not zero. DFI intake is not the CFPB database. ORC 1349.43 requires an internet enforcement database covering DFI Chapter 1322 actions, Attorney General Chapter 1345 actions, and qualifying civil judgments. Those three origins stay separate. A DFI order is not an AG action and not a civil judgment. A person action is not a company action. Absence from the database is not a clean regulatory history. Individual published PDFs are not a census. Exact NMLS and Ohio-license attachments in this snapshot: 0. DFI complaint intake
OHFA participating lenders
Official Find A Lender county pages (August 2026 county tables) produced 2,095 lender-county observations and 85 distinct source names across all 88 counties. Distinct names are not exact companies. County appearance is not headquarters. OHFA participation is not DFI licensure, not an MLO census, and not a TrustHub endorsement. Names were not attached to NMLS. Program checkmarks (Down Payment, MTC, Next Home, REFI) are source-native indicators, not general product capability. OHFA Find A Lender
FDIC Ohio depositories
157 institutions in the existing FDIC overlay (as of 2026-06-26). A bank is not an RMLA nonbank company. Headquarters is not HMDA Ohio activity. Do not add FDIC banks to the RMLA search-only universe.
What these numbers do not mean
- HMDA application ≠ lender. Property geography ≠ headquarters, license jurisdiction, or service territory.
- HMDA reporting LEI ≠ Ohio DFI/NMLS license. Distinct HMDA institutions are not RMLA companies.
- FDIC CERT ≠ RMLA registration. Depository ≠ nonbank mortgage company. Bank ≠ mortgage broker.
- OHFA participation ≠ DFI license. Distinct OHFA names ≠ exact companies. Preferred/top program language is not a TrustHub ranking.
- Company ≠ MLO. Lending/brokering/servicing activities ≠ extra company counts. Branch ≠ company. DBA ≠ company.
- RMLA registration population ≠ all Ohio mortgage lenders. Search-only and missing ≠ zero.
- CFPB complaints ≠ DFI/AG/court enforcement. Do not add them into one adverse total.
- No Trust Score, paid ranking, or best/safest/vetted conclusions.