First Commonwealth Bank in Ohio vs the state
18.2%Denial rate+0.51 pts vs state
20.1%Decision denial rate-1.76 pts vs state
67.1%Origination rate+7.19 pts vs state
6.13%Median rate-0.75 pts vs state
-0.07Rate spread (pts)-0.46 pts vs state
$108kMedian applicant income
1,386Loans originated
376Denied
Trend in Ohio
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 2,239 | 1,396 | 21.8% | 5.99% | #37 |
| 2024 | 1,519 | 983 | 21.1% | 6.25% | #56 |
| 2025 | 2,066 | 1,386 | 18.2% | 6.13% | #47 |
What First Commonwealth Bank lends in Ohio
By loan purpose
By loan type
Why it denied Ohio applicants
Where in Ohio
Counties with the most First Commonwealth Bank applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Stark County | 580 | 378 | 111 | 19.1% |
| Delaware County | 257 | 159 | 57 | 22.2% |
| Franklin County | 195 | 134 | 34 | 17.4% |
| Summit County | 164 | 114 | 22 | 13.4% |
| Hamilton County | 126 | 85 | 21 | 16.7% |
| Cuyahoga County | 83 | 55 | 12 | 14.5% |
| Mahoning County | 78 | 59 | 9 | 11.5% |
| Clermont County | 58 | 39 | 11 | 19.0% |
| Columbiana County | 49 | 33 | 10 | 20.4% |
| Portage County | 48 | 42 | 4 | 8.3% |
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: 2,066 applications in 2025, of which 1,386 were originated and 376 denied.
18.2% of all applications, or 20.1% of the applications it actually decided on. The Ohio statewide average across all lenders was 17.7%.
The median rate on loans First Commonwealth Bank originated in Ohio in 2025 was 6.13%, against a statewide median of 6.88%.
About this data. Figures are First Commonwealth 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