First Community Mortgage in Ohio vs the state
3.8%Denial rate-13.87 pts vs state
4.2%Decision denial rate-17.66 pts vs state
76.9%Origination rate+16.98 pts vs state
6.63%Median rate-0.25 pts vs state
0.38Rate spread (pts)-0.01 pts vs state
$90kMedian applicant income
1,167Loans originated
58Denied
Trend in Ohio
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 983 | 828 | 3.5% | 6.99% | #73 |
| 2024 | 1,307 | 1,044 | 4.4% | 6.88% | #64 |
| 2025 | 1,518 | 1,167 | 3.8% | 6.63% | #60 |
What First Community Mortgage lends in Ohio
By loan purpose
By loan type
Why it denied Ohio applicants
Where in Ohio
Counties with the most First Community Mortgage applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Hamilton County | 371 | 278 | 12 | 3.2% |
| Butler County | 284 | 225 | 11 | 3.9% |
| Montgomery County | 179 | 138 | 5 | 2.8% |
| Warren County | 130 | 109 | 3 | 2.3% |
| Clermont County | 90 | 70 | 2 | 2.2% |
| Franklin County | 88 | 61 | 8 | 9.1% |
| Clark County | 56 | 43 | 3 | 5.4% |
| Greene County | 49 | 38 | 1 | 2.0% |
| Miami County | 20 | 16 | 1 | 5.0% |
| Licking County | 19 | 13 | 2 | 10.5% |
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: 1,518 applications in 2025, of which 1,167 were originated and 58 denied.
3.8% of all applications, or 4.2% of the applications it actually decided on. The Ohio statewide average across all lenders was 17.7%.
The median rate on loans First Community Mortgage originated in Ohio in 2025 was 6.63%, against a statewide median of 6.88%.
About this data. Figures are First Community Mortgage'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