TELHIO
TELHIO received 1,297 applications in 2025 and made 719 mortgages, in 60 counties across 7 states. The median rate its borrowers got was 7.750% on a median loan of $105,000. Of 1,044 decisions, 247 were denials — 23.7%, most often for debt-to-income ratio.
| Legal Entity Identifier | 549300ZJK68X6PQU2308 |
|---|---|
| Applications received | 1,297 |
| Mortgages made | 719 |
| Denied | 247 |
| Approved, not taken up | 78 |
| Withdrawn or incomplete | 253 |
| Loans bought from other lenders | 0 |
| Median rate spread over the prime offer rate | 0.91 points |
| FDIC-insured bank | This lender is not an FDIC-insured bank under this name: a mortgage company, a credit union, or a bank filing under another name. |
By loan purpose
| Purpose | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| Home purchase | 156 | 6.375% | $265,000 | 1.9% |
| Refinancing | 31 | 5.875% | $195,000 | 15.8% |
| Cash-out refinancing | 165 | 8.250% | $125,000 | 20.3% |
| Other purposes | 367 | 8.250% | $65,000 | 31.1% |
Where TELHIO lends most
The 50 counties where it made the most mortgages in 2025. Each county page ranks every lender there.
| County | Mortgages made | Median rate | Denied |
|---|---|---|---|
| Franklin County, OH | 338 | 7.750% | 26.5% |
| Butler County, OH | 119 | 8.000% | 19.0% |
| Licking County, OH | 47 | 7.750% | 18.6% |
| Delaware County, OH | 39 | 6.875% | 25.4% |
| Pickaway County, OH | 31 | 8.250% | 13.2% |
| Fairfield County, OH | 30 | 7.750% | 29.2% |
| Hamilton County, OH | 21 | 8.000% | 15.4% |
| Morrow County, OH | 9 | Under 10 loans | 30.8% |
| Union County, OH | 9 | Under 10 loans | 40.0% |
| Knox County, OH | 7 | Under 10 loans | 0.0% |
| Cuyahoga County, OH | 5 | Under 10 loans | 0.0% |
| Madison County, OH | 5 | Under 10 loans | 36.4% |
| Logan County, OH | 4 | Under 10 loans | 20.0% |
| Preble County, OH | 4 | Under 10 loans | 16.7% |
| Warren County, OH | 4 | Under 10 loans | 16.7% |
| Clermont County, OH | 3 | Under 10 loans | 0.0% |
| Fayette County, OH | 3 | Under 10 loans | 0.0% |
| Muskingum County, OH | 3 | Under 10 loans | 33.3% |
| Champaign County, OH | 2 | Under 10 loans | 0.0% |
| Hocking County, OH | 2 | Under 10 loans | 0.0% |
| Jefferson County, OH | 2 | Under 10 loans | 0.0% |
| Mahoning County, OH | 2 | Under 10 loans | 0.0% |
| Marion County, OH | 2 | Under 10 loans | 0.0% |
| Medina County, OH | 2 | Under 10 loans | 0.0% |
| Montgomery County, OH | 2 | Under 10 loans | 33.3% |
| Morgan County, OH | 2 | Under 10 loans | 0.0% |
| Richland County, OH | 2 | Under 10 loans | 33.3% |
| Stark County, OH | 2 | Under 10 loans | 0.0% |
| Collier County, FL | 1 | Under 10 loans | 0.0% |
| Nassau County, FL | 1 | Under 10 loans | 0.0% |
| Palm Beach County, FL | 1 | Under 10 loans | 0.0% |
| Polk County, FL | 1 | Under 10 loans | 0.0% |
| Wayne County, IN | 1 | Under 10 loans | 0.0% |
| Jefferson County, KY | 1 | Under 10 loans | 0.0% |
| Athens County, OH | 1 | Under 10 loans | 0.0% |
| Auglaize County, OH | 1 | Under 10 loans | 0.0% |
| Gallia County, OH | 1 | Under 10 loans | 0.0% |
| Geauga County, OH | 1 | Under 10 loans | 0.0% |
| Hardin County, OH | 1 | Under 10 loans | 0.0% |
| Lake County, OH | 1 | Under 10 loans | 0.0% |
| Portage County, OH | 1 | Under 10 loans | 0.0% |
| Ross County, OH | 1 | Under 10 loans | 33.3% |
| Scioto County, OH | 1 | Under 10 loans | 0.0% |
| Summit County, OH | 1 | Under 10 loans | 0.0% |
| Wood County, OH | 1 | Under 10 loans | 0.0% |
| Campbell County, TN | 1 | Under 10 loans | 0.0% |
| Putnam County, FL | 0 | Under 10 loans | Not published |
| Guilford County, NC | 0 | Under 10 loans | 100.0% |
| Allen County, OH | 0 | Under 10 loans | Not published |
| Brown County, OH | 0 | Under 10 loans | 100.0% |
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Counts, medians and denial shares are computed from the Home Mortgage Disclosure Act loan-level file for 2025, published by the Consumer Financial Protection Bureau through the FFIEC: every application a covered lender received, as the lender reported it. A median rate is what borrowers got, not what you will be offered — it depends on the loan, the property, your credit and the market on the day, and no figure here is a quote. A median over fewer than 10 loans is not shown: it is a number with no meaning and a real person's rate half-exposed. Those cells say "under 10 loans" and the count is still published. This is information, not advice, and no lender pays to appear.