1st National Bank in Ohio vs the state
0.8%Denial rate-16.92 pts vs state
1.1%Decision denial rate-20.82 pts vs state
70.8%Origination rate+10.94 pts vs state
6.38%Median rate-0.50 pts vs state
0.02Rate spread (pts)-0.37 pts vs state
$110kMedian applicant income
277Loans originated
3Denied
Trend in Ohio
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 380 | 268 | 1.8% | 6.63% | #138 |
| 2024 | 325 | 216 | 1.5% | 6.88% | #161 |
| 2025 | 391 | 277 | 0.8% | 6.38% | #167 |
What 1st National Bank lends in Ohio
By loan purpose
By loan type
Why it denied Ohio applicants
Where in Ohio
Counties with the most 1st National Bank applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Warren County | 152 | 120 | 1 | 0.7% |
| Hamilton County | 73 | 47 | 1 | 1.4% |
| Butler County | 49 | 35 | 1 | 2.0% |
| Montgomery County | 35 | 20 | 0 | 0.0% |
| Clinton County | 26 | 18 | 0 | 0.0% |
| Clermont County | 20 | 16 | 0 | 0.0% |
| Greene County | 12 | 8 | 0 | 0.0% |
| Brown County | 9 | 5 | 0 | 0.0% |
| Highland County | 7 | 5 | 0 | 0.0% |
| Stark County | 1 | 0 | 0 | 0.0% |
Other large lenders in Ohio
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| The Huntington National Bank | D | 42,683 | 25.8% | 7.59% |
| Rocket Mortgage | C | 23,165 | 18.5% | 6.63% |
| Fifth Third Bank | D | 21,939 | 25.6% | 7.50% |
| Crosscountry Mortgage | B | 16,066 | 3.1% | 6.75% |
| United Shore Financial Services | B | 14,626 | 13.1% | 6.45% |
| Third Federal Savings and Loan Association of Cleveland | C | 12,622 | 23.0% | 6.74% |
| PNC Bank | D | 11,607 | 24.6% | 7.40% |
| Wright-Patt Credit Union | C | 8,791 | 28.1% | 7.50% |
| U.S. Bank | D | 8,623 | 38.0% | 7.60% |
| Citizens Bank | C | 7,775 | 24.3% | 7.65% |
Frequently asked questions
Ohio: 391 applications in 2025, of which 277 were originated and 3 denied.
0.8% of all applications, or 1.1% of the applications it actually decided on. The Ohio statewide average across all lenders was 17.7%.
The median rate on loans 1st National Bank originated in Ohio in 2025 was 6.38%, against a statewide median of 6.88%.
About this data. Figures are 1st National Bank's own HMDA filing for properties located in Ohio, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology