First National Bank of Pennsylvania in Ohio vs the state
23.9%Denial rate+6.20 pts vs state
26.0%Decision denial rate+4.12 pts vs state
67.6%Origination rate+7.69 pts vs state
6.49%Median rate-0.38 pts vs state
-0.14Rate spread (pts)-0.53 pts vs state
$114kMedian applicant income
1,491Loans originated
527Denied
Trend in Ohio
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 1,884 | 1,246 | 24.8% | 6.63% | #44 |
| 2024 | 1,910 | 1,285 | 25.0% | 6.99% | #48 |
| 2025 | 2,206 | 1,491 | 23.9% | 6.49% | #43 |
What First National Bank of Pennsylvania 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 Pennsylvania applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Cuyahoga County | 687 | 477 | 147 | 21.4% |
| Mahoning County | 237 | 145 | 76 | 32.1% |
| Trumbull County | 194 | 112 | 72 | 37.1% |
| Summit County | 174 | 122 | 39 | 22.4% |
| Lorain County | 156 | 115 | 24 | 15.4% |
| Lake County | 133 | 97 | 28 | 21.1% |
| Medina County | 129 | 95 | 23 | 17.8% |
| Geauga County | 125 | 89 | 24 | 19.2% |
| Jefferson County | 66 | 37 | 21 | 31.8% |
| Portage County | 58 | 42 | 13 | 22.4% |
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: 2,206 applications in 2025, of which 1,491 were originated and 527 denied.
23.9% of all applications, or 26.0% 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 Pennsylvania originated in Ohio in 2025 was 6.49%, against a statewide median of 6.88%.
About this data. Figures are First National Bank of Pennsylvania'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