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FIRST OHIO HOME FINANCE, INC.
Independent Mortgage Company|WESTERVILLE, OH|Multi-Region
Loans Originated
658
Applications
944
Volume
$125 million
Offers loans directly to consumers
Overall Pull Through
Sound
Pricing and Pullthrough Overview
Pullthrough Rate
69.7%
Percentage of applications that result in closed loans
Safe Rate's Summary
What They Do Well
- Particularly strong in FHA and USDA loans
Report Card
FIRST OHIO HOME FINANCE, INC. performance at a glance
| Category | Rating | Grade | Details |
|---|---|---|---|
Pricing Rate competitiveness | N/A | No data available | |
Pull Through Closing Strength | Sound | Industry Standard | |
Products Loan Type Specialists | Specialization score by loan product | ||
Conventional | Sound | Industry Standard | |
FHA | Strong | Highly Competitive | |
VA | Sound | Industry Standard | |
USDA | Strong | Highly Competitive | |
Purpose Reason specialization | Specialization score by loan purpose | ||
Purchase | Strong | Highly Competitive | |
Refinance | Sound | Industry Standard | |
Places Geographic coverage | Strong | Multi-Regional · 8 metro areas · 7 states |
Rating Scale:
Exceptional (80-100)
Strong (60-79)
Sound (40-59)
Acceptable (20-39)
Mediocre (0-19)
Typical Borrower Profile
Average Loan Amount
$191,185
Average Borrower Income
$124,234
Average Property Value
$234,833
Performance by Loan Product
| Loan Type | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Conventional | Sound | Sound | N/A | Sound | 502 | 76.3% | — | — |
FHA Loans | Strong | Strong | N/A | Strong | 124 | 18.8% | — | — |
VA Loans | Sound | Sound | N/A | Sound | 18 | 2.7% | — | — |
USDA Loans | Strong | Strong | N/A | N/A | 14 | 2.1% | — | — |
Performance by Loan Purpose
| Purpose | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Purchase | Sound | Strong | N/A | Sound | 587 | 89.2% | — | — |
Refinance | Sound | Sound | N/A | Strong | 71 | 10.8% | — | — |
Geographic Coverage
Metro Areas
7
States Served
7
We count Washington DC as a state
Avg Place Specialization
Strong
States with Loan Originations
FLINKYMIOHPAVA
Top Metro Areas by Place Specialization Score
1
Columbus, OH, OHMSA
Volume: 191Mix: 29.03%
Place Specialization
Strong
2
Akron, OH, OHMSA
Volume: 82Mix: 12.46%
Place Specialization
Strong
3
Cleveland, OH, OHMSA
Volume: 93Mix: 14.13%
Place Specialization
Strong
4
Canton, OHMSA
Volume: 37Mix: 5.62%
Place Specialization
Strong
5
Toledo, OH, OHMSA
Volume: 29Mix: 4.41%
Place Specialization
Sound
6
Dayton, OHMSA
Volume: 19Mix: 2.89%
Place Specialization
Sound
7
Mansfield, OH, OHMSA
Volume: 13Mix: 1.98%
Place Specialization
Sound
Top States by Place Specialization Score
1
OHState
Volume: 638Mix: 96.96%
Place Specialization
Exceptional
How We Rank Lenders
Our rankings use geometric mean scoring across equally-weighted categories. This rewards lenders who perform consistently well across all metrics, not just excel in one area.
Our Point System (Max 30 Points)
10
Pricing
Rate and fee competitiveness (33%)
10
Pull Through
Reliability in closing loans (33%)
10
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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