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First Ohio Home Finance

Independent Mortgage CompanyWesterville, OHHQDirectReviews near you on Google

We analyzed every closed loan from First Ohio Home Finance 658 loans across 944 applications— and benchmarked them against peer lenders across the 5 Ps of Mortgage Shopping.

Safe Rate Ratings· each scored 1–5 against peer lenders
Pull-through
Sound
3/5
closing strength
Product
Strong
4/5
FHA · Conventional · VA · USDA
Place
Strong
4/5
Multi-Region · 7 mkts

Safe Rate Summary

What They Do Well

  • Particularly strong in FHA and USDA loans

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Report Card

First Ohio Home Finance performance at a glance

Overall Performance· Pricing & closing strength
Pricing
Rate competitiveness
No peer data
Pull Through
Closing strength
Sound
Top 60% of lenders
By Loan Product· Specialization by type
Conventional
Sound
Top 60% of lenders
FHA
Strong
Top 40% of lenders
VA
Sound
Top 60% of lenders
USDA
Strong
Top 40% of lenders
By Loan Purpose· Transaction purpose mix
Purchase
Strong
Top 40% of lenders
Refinance
Sound
Top 60% of lenders
By Location· Geographic coverage
Geographic Reach
Multi-Regional · 8 markets
Strong
Top 40% of lenders

Loan Product Performance

Performance by Loan Product

Conventional
Overall
Sound
Product
Sound
Pricing
Pull Through
Sound
Volume502
Mix76.3%
Spread
Fees
FHA Loans
Overall
Strong
Product
Strong
Pricing
Pull Through
Strong
Volume124
Mix18.8%
Spread
Fees
VA Loans
Overall
Sound
Product
Sound
Pricing
Pull Through
Sound
Volume18
Mix2.7%
Spread
Fees
USDA Loans
Overall
Strong
Product
Strong
Pricing
Pull Through
Volume14
Mix2.1%
Spread
Fees

Loan Purpose Performance

Performance by Loan Purpose

Purchase
Overall
Sound
Product
Strong
Pricing
Pull Through
Sound
Volume587
Mix89.2%
Spread
Fees
Refinance
Overall
Sound
Product
Sound
Pricing
Pull Through
Strong
Volume71
Mix10.8%
Spread
Fees

At a Glance

Lender Overview

Lending Activity
Loans Originated
658
Applications
944
Volume
$125 million
Pricing & Closing
Pullthrough Rate
69.7%
Applications → Closed
Typical Borrower
Avg Loan Amount
$191,185
Avg Borrower Income
$124,234
Avg Property Value
$234,833

Geographic Coverage

Geographic Performance

Metro Areas
7
markets with activity
States Served
7
of 50 states + DC
Avg Place Specialization
Strong
4/5

States with Loan Originations

7
7 states with loan originationsAlaskaAlabamaArkansasArizonaCaliforniaColoradoConnecticutWashington, DCDelawareFloridaGeorgiaHawaiiIowaIdahoIllinoisIndianaKansasKentuckyLouisianaMassachusettsMarylandMaineMichiganMinnesotaMissouriMississippiMontanaNorth CarolinaNorth DakotaNebraskaNew HampshireNew JerseyNew MexicoNevadaNew YorkOhioOklahomaOregonPennsylvaniaRhode IslandSouth CarolinaSouth DakotaTennesseeTexasUtahVirginiaVermontWashingtonWisconsinWest VirginiaWyoming
Northeast1
PA
Midwest3
INMIOH
South3
FLKYVA

Top Metro Areas by Place Specialization Score

Volume 191Mix 29.03% of portfolio
79/100
Strong
Volume 82Mix 12.46% of portfolio
74/100
Strong
Volume 93Mix 14.13% of portfolio
69/100
Strong
Volume 37Mix 5.62% of portfolio
63/100
Strong
Volume 29Mix 4.41% of portfolio
59/100
Sound
Volume 19Mix 2.89% of portfolio
49/100
Sound
Volume 13Mix 1.98% of portfolio
47/100
Sound

Top States by Place Specialization Score

Ohio
Ohio
1
OhioState
Volume 638Mix 96.96% of portfolio
83/100
Exceptional

How We Rank Lenders

Our rankings use an equal-weight average of scores across our core categories (Pricing, Product, Pull-Through, Place), with lender promptness blended in when a lender has responded to real shopper quote requests.

Our Point System (Max 30 Points)

10/ 30 pts
Pricing
Rate and fee competitiveness (33%)
10/ 30 pts
Pull Through
Reliability in closing loans (33%)
10/ 30 pts
Product
Specialization in the loan type (33%)
💎
Champion(80%+ = 24-30 points)
Superstar(60-79% = 18-23 points)

Data Integrity & Updates

Data is updated quarterly based on the latest HMDA filings and proprietary SafeRate analysis. All metrics are calculated using standardized methodologies to ensure fair comparison across lenders.

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The 5 PsRankings are calculated from observed lender differences on closed loans across Pricing, Pull-through, Product, and Place, plus Promptness when a lender has answered real shopper quote requests.
No Pay to PlayLenders cannot buy their way to the top. Rankings are 100% earned.
HMDA 2024Built using publicly available originated loan data from the federal government.
Peer BenchmarkedPerformance is normalized and benchmarked against peer institutions.