First American Bank in Ohio vs the state
28.6%Denial rate+10.88 pts vs state
33.3%Decision denial rate+11.44 pts vs state
57.1%Origination rate-2.76 pts vs state
7.56%Median rate+0.68 pts vs state
0.65Rate spread (pts)+0.26 pts vs state
$74kMedian applicant income
4Loans originated
2Denied
Trend in Ohio
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 13 | 9 | 7.7% | 8.50% | #573 |
| 2024 | 7 | 3 | 42.9% | 8.50% | #654 |
| 2025 | 7 | 4 | 28.6% | 7.56% | #670 |
What First American Bank lends in Ohio
By loan purpose
By loan type
Why it denied Ohio applicants
Where in Ohio
Counties with the most First American Bank applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Morrow County | 2 | 1 | 1 | 50.0% |
| Butler County | 1 | 0 | 1 | 100.0% |
| Franklin County | 1 | 1 | 0 | 0.0% |
| Lorain County | 1 | 1 | 0 | 0.0% |
| Mahoning County | 1 | 0 | 0 | 0.0% |
| Lucas County | 1 | 1 | 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: 7 applications in 2025, of which 4 were originated and 2 denied.
28.6% of all applications, or 33.3% of the applications it actually decided on. The Ohio statewide average across all lenders was 17.7%.
The median rate on loans First American Bank originated in Ohio in 2025 was 7.56%, against a statewide median of 6.88%.
About this data. Figures are First American 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