Bank of America in Ohio vs the state
33.7%Denial rate+16.00 pts vs state
46.8%Decision denial rate+24.94 pts vs state
37.7%Origination rate-22.21 pts vs state
5.99%Median rate-0.88 pts vs state
0.26Rate spread (pts)-0.13 pts vs state
$109kMedian applicant income
810Loans originated
724Denied
Trend in Ohio
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 2,255 | 720 | 51.0% | 7.00% | #36 |
| 2024 | 2,016 | 705 | 37.4% | 6.88% | #45 |
| 2025 | 2,149 | 810 | 33.7% | 5.99% | #45 |
What Bank of America lends in Ohio
By loan purpose
By loan type
Why it denied Ohio applicants
Where in Ohio
Counties with the most Bank of America applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Cuyahoga County | 348 | 133 | 114 | 32.8% |
| Franklin County | 324 | 141 | 89 | 27.5% |
| Hamilton County | 220 | 103 | 59 | 26.8% |
| Summit County | 108 | 44 | 35 | 32.4% |
| Montgomery County | 90 | 28 | 37 | 41.1% |
| Delaware County | 76 | 41 | 14 | 18.4% |
| Warren County | 73 | 37 | 22 | 30.1% |
| Butler County | 66 | 26 | 25 | 37.9% |
| Lorain County | 57 | 23 | 24 | 42.1% |
| Lucas County | 52 | 13 | 23 | 44.2% |
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: 2,149 applications in 2025, of which 810 were originated and 724 denied.
33.7% of all applications, or 46.8% of the applications it actually decided on. The Ohio statewide average across all lenders was 17.7%.
The median rate on loans Bank of America originated in Ohio in 2025 was 5.99%, against a statewide median of 6.88%.
About this data. Figures are Bank of America'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