First State Bank in Ohio vs the state
18.2%Denial rate+0.53 pts vs state
20.1%Decision denial rate-1.76 pts vs state
71.3%Origination rate+11.36 pts vs state
7.50%Median rate+0.63 pts vs state
0.28Rate spread (pts)-0.11 pts vs state
$85kMedian applicant income
352Loans originated
90Denied
Trend in Ohio
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 446 | 334 | 12.3% | 7.75% | #122 |
| 2024 | 528 | 397 | 13.3% | 7.75% | #117 |
| 2025 | 494 | 352 | 18.2% | 7.50% | #138 |
What First State Bank lends in Ohio
By loan purpose
By loan type
Why it denied Ohio applicants
Where in Ohio
Counties with the most First State Bank applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Adams County | 152 | 122 | 18 | 11.8% |
| Brown County | 132 | 91 | 27 | 20.5% |
| Highland County | 106 | 69 | 25 | 23.6% |
| Fayette County | 23 | 17 | 3 | 13.0% |
| Clermont County | 19 | 14 | 2 | 10.5% |
| Scioto County | 19 | 12 | 7 | 36.8% |
| Clinton County | 15 | 11 | 3 | 20.0% |
| Hamilton County | 10 | 7 | 1 | 10.0% |
| Pickaway County | 3 | 3 | 0 | 0.0% |
| Greene County | 2 | 1 | 1 | 50.0% |
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: 494 applications in 2025, of which 352 were originated and 90 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 State Bank originated in Ohio in 2025 was 7.50%, against a statewide median of 6.88%.
About this data. Figures are First State 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