What loan types does First Ohio Home Finance offer?

First Ohio Home Finance offers the following mortgage loan types: FHA, Conventional, VA, usda. Each product has its own pricing score and performance metrics.

Where does First Ohio Home Finance offer mortgages?

First Ohio Home Finance offers mortgages in 7 states: FL, IN, KY, MI, OH, PA, VA.

What type of lender is First Ohio Home Finance?

First Ohio Home Finance is a Independent Mortgage Company headquartered in WESTERVILLE, OH.

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First Ohio Home Finance

Independent Mortgage Company•Westerville, OHHQ•Direct•Reviews 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.

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

Promptness

Not enough data

—/5

No quote responses measured yet

Summary

What They Do Well

Particularly strong in FHA and USDA loans

Explore another lender or local market

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

3/5

By Loan Product· Specialization by type

Conventional

502 loans

Sound

Top 60% of lenders

3/5

FHA

124 loans

Strong

Top 40% of lenders

4/5

18 loans

Sound

Top 60% of lenders

3/5

USDA

14 loans

Strong

Top 40% of lenders

4/5

By Loan Purpose· Transaction purpose mix

Purchase

587 loans

Strong

Top 40% of lenders

4/5

Refinance

71 loans

Sound

Top 60% of lenders

3/5

By Location· Geographic coverage

Geographic Reach

Multi-Regional · 8 markets

Strong

Top 40% of lenders

4/5

Loan Product Performance

Performance by Loan Product

Loan Type	Overall	Product	Pricing	Pull Through	Volume	Mix	Spread	Fees
Conventional	Sound	Sound	—	Sound	502	76.3%	—	—
FHA Loans	Strong	Strong	—	Strong	124	18.8%	—	—
VA Loans	Sound	Sound	—	Sound	18	2.7%	—	—
USDA Loans	Strong	Strong	—	—	14	2.1%	—	—

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

Purpose	Overall	Product	Pricing	Pull Through	Volume	Mix	Spread	Fees
Purchase	Sound	Strong	—	Sound	587	89.2%	—	—
Refinance	Sound	Sound	—	Strong	71	10.8%	—	—

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

markets with activity

States Served

of 50 states + DC

Avg Place Specialization

Strong

4/5

States with Loan Originations

7Full-year 2024 · HMDA

Loans originated

< 500500+None

Northeast1

Midwest3

INMIOH

South3

FLKYVA

Top Metro Areas by Place Specialization Score

Columbus, OHMetro

Volume 191Mix 29.03% of portfolio

79/100

Strong

Akron, OHMetro

Volume 82Mix 12.46% of portfolio

74/100

Strong

Cleveland, OHMetro

Volume 93Mix 14.13% of portfolio

69/100

Strong

Canton, OHMetro

Volume 37Mix 5.62% of portfolio

63/100

Strong

Toledo, OHMetro

Volume 29Mix 4.41% of portfolio

59/100

Sound

Dayton, OHMetro

Volume 19Mix 2.89% of portfolio

49/100

Sound

Mansfield, OHMetro

Volume 13Mix 1.98% of portfolio

47/100

Sound

Top States by Place Specialization Score

OhioState

Volume 638Mix 96.96% of portfolio

83/100

Exceptional

How We Rank Lenders

Our rankings use an equal-weight average of scores across the 5 Ps — Pricing, Product, Pull-Through, and Place — with lender promptness blending in as the fifth once a lender has responded to real shopper quote requests.

Our Point System (Max 50 Points)

10/ 50 pts

Pricing

How competitively a lender prices vs. the market benchmark (20%).

10/ 50 pts

Product

Performance on your specific loan type (20%).

10/ 50 pts

Pull Through

How reliably a lender closes the loans it starts (20%).

10/ 50 pts

Place

Depth of a lender's expertise in your local market (20%).

10/ 50 pts

Promptness

How quickly a lender answers real quote requests — blended in once they respond (20%).

Champion(80%+ = 40-50 points)

Superstar(60-79% = 30-39 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.