2025 · Ohio
In 2025, 19,768 investment-property loans worth $3.3B were originated on single-family 1-4 unit homes in Ohio. Here's how those terms compared to the rest of the country.
Investor rate premium
88 bps
U.S. median: 76 bps
Denial rate
17.9%
U.S. median: 17.5%
DSCR / business-purpose
76%
U.S. median: 72%
Median LTV
75%
U.S. median: 74%
Since 2024 in Ohio
Rate premium
88 bps → 88 bps
0 bpsInvestor loans
16,858 → 19,768
+17.3%Denial rate
17.0% → 17.9%
+1.0 ptsDSCR / business-purpose
73% → 76%
+3.9 ptsInvestors in Ohio borrowed at a median rate of 7.5%, versus 6.625% for owner-occupants — a 88 bps premium that ranks 15th of 51 states.
Their applications were denied 17.9% of the time. The leading reasons for denial were collateral, other, debt-to-income ratio.
76% of investor loans were business- or commercial-purpose — the category that includes DSCR and LLC-held loans — and 22% were cash-out refinances. The typical loan-to-value was 75%, implying about 25% down.
In 2025, the median investment-property loan in Ohio carried a rate of 7.5% versus 6.625% for an owner-occupant — a premium of 88 bps. That ranks 15th of 51 states (1 = highest premium).
17.9% of investment-property applications were denied in Ohio in 2025, the 22nd-highest denial rate among the 51 states. The most common denial reasons were collateral, other, debt-to-income ratio.
76% of investor loans in Ohio were flagged as primarily business or commercial purpose — the bucket that includes DSCR and LLC-held loans (8th of 51). The median loan-to-value was 75%.
Source: CFPB / FFIEC HMDA combined Modified LAR (loan-level public dataset, early release), 2025. Single-family 1-4 unit, site-built loans; financed purchases only.