Consumers National Bank · Ohio · 2025

Consumers National Bank in Ohio: approval rate, denial rate and rates (2025)

Consumers National Bank took 144 mortgage applications in Ohio in 2025, ranking #277 of 1,092 lenders active in the state. It originated 85.4% of them and denied 6.9% (7.3% of the applications it decided), against a statewide denial rate of 17.7%.

144Applicationsin OH
7.3%Decision denial ratestate 21.9%
Median ratestate 6.88%
$105,000Median loanstate $155,000
$53MVolume14 counties

Consumers National Bank in Ohio vs the state

6.9%Denial rate-10.75 pts vs state
7.3%Decision denial rate-14.59 pts vs state
85.4%Origination rate+25.52 pts vs state
Median rate
Rate spread (pts)
$114kMedian applicant income
123Loans originated
10Denied

Trend in Ohio

YearApplicationsOriginatedDenial rateMedian rateRank in state
202320815020.2%#215
202415610418.0%#250
20251441236.9%#277

What Consumers National Bank lends in Ohio

By loan purpose

Home purchase 59 41% · 0.0% denied
Refinance 40 28% · 10.0% denied
Cash-out refinance 1 1% · 100.0% denied
Home improvement 20 14% · 10.0% denied
Other / HELOC 24 17% · 12.5% denied

By loan type

Conventional 144 100% · 6.9% denied

Why it denied Ohio applicants

Credit history 4 40%
Debt-to-income ratio 3 30%
Collateral 2 20%
Other 1 10%

Where in Ohio

Counties with the most Consumers National Bank applications in 2025.

CountyApplicationsOriginatedDeniedDenial rate
Stark County 54453 5.6%
Columbiana County 23174 17.4%
Carroll County 18171 5.6%
Summit County 13130 0.0%
Jefferson County 11110 0.0%
Mahoning County 1090 0.0%
Portage County 651 16.7%
Trumbull County 330 0.0%
Medina County 100 0.0%
Cuyahoga County 100 0.0%

Other large lenders in Ohio

LenderGradeApplicationsDenial rateMedian rate
The Huntington National BankD 42,68325.8%7.59%
Rocket MortgageC 23,16518.5%6.63%
Fifth Third BankD 21,93925.6%7.50%
Crosscountry MortgageB 16,0663.1%6.75%
United Shore Financial ServicesB 14,62613.1%6.45%
Third Federal Savings and Loan Association of ClevelandC 12,62223.0%6.74%
PNC BankD 11,60724.6%7.40%
Wright-Patt Credit UnionC 8,79128.1%7.50%
U.S. BankD 8,62338.0%7.60%
Citizens BankC 7,77524.3%7.65%

Frequently asked questions

Ohio: 144 applications in 2025, of which 123 were originated and 10 denied.

6.9% of all applications, or 7.3% of the applications it actually decided on. The Ohio statewide average across all lenders was 17.7%.

This lender did not report interest rates on its originated loans (some institutions are exempt from HMDA pricing fields).

About this data. Figures are Consumers 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