First Bank Richmond in Ohio vs the state
16.1%Denial rate-1.62 pts vs state
18.0%Decision denial rate-3.89 pts vs state
69.6%Origination rate+9.74 pts vs state
—Median rate
—Rate spread (pts)
$82kMedian applicant income
39Loans originated
9Denied
Trend in Ohio
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 78 | 51 | 19.2% | 6.13% | #332 |
| 2024 | 56 | 35 | 25.0% | — | #379 |
| 2025 | 56 | 39 | 16.1% | — | #393 |
What First Bank Richmond lends in Ohio
By loan purpose
By loan type
Why it denied Ohio applicants
Where in Ohio
Counties with the most First Bank Richmond applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Shelby County | 20 | 14 | 3 | 15.0% |
| Miami County | 17 | 11 | 4 | 23.5% |
| Preble County | 5 | 5 | 0 | 0.0% |
| Franklin County | 4 | 3 | 0 | 0.0% |
| Logan County | 2 | 2 | 0 | 0.0% |
| Warren County | 1 | 1 | 0 | 0.0% |
| Hamilton County | 1 | 1 | 0 | 0.0% |
| Allen County | 1 | 1 | 0 | 0.0% |
| Auglaize County | 1 | 1 | 0 | 0.0% |
| Licking 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: 56 applications in 2025, of which 39 were originated and 9 denied.
16.1% of all applications, or 18.0% 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 First Bank Richmond'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