First National Bank of America in Ohio vs the state
13.3%Denial rate-4.36 pts vs state
16.0%Decision denial rate-5.89 pts vs state
66.7%Origination rate+6.77 pts vs state
9.13%Median rate+2.25 pts vs state
3.25Rate spread (pts)+2.86 pts vs state
$101kMedian applicant income
40Loans originated
8Denied
Trend in Ohio
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 86 | 59 | 9.3% | 10.00% | #323 |
| 2024 | 106 | 69 | 15.1% | 9.75% | #300 |
| 2025 | 60 | 40 | 13.3% | 9.13% | #384 |
What First National Bank of America lends in Ohio
By loan purpose
By loan type
Why it denied Ohio applicants
Where in Ohio
Counties with the most First National Bank of America applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Franklin County | 11 | 9 | 0 | 0.0% |
| Licking County | 5 | 2 | 1 | 20.0% |
| Hamilton County | 4 | 3 | 1 | 25.0% |
| Stark County | 4 | 2 | 0 | 0.0% |
| Cuyahoga County | 4 | 2 | 1 | 25.0% |
| Butler County | 3 | 1 | 2 | 66.7% |
| Lorain County | 3 | 2 | 0 | 0.0% |
| Summit County | 3 | 3 | 0 | 0.0% |
| Morrow County | 2 | 1 | 1 | 50.0% |
| Defiance County | 2 | 2 | 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: 60 applications in 2025, of which 40 were originated and 8 denied.
13.3% of all applications, or 16.0% of the applications it actually decided on. The Ohio statewide average across all lenders was 17.7%.
The median rate on loans First National Bank of America originated in Ohio in 2025 was 9.13%, against a statewide median of 6.88%.
About this data. Figures are First National Bank of America'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