German American Bank in Ohio vs the state
12.8%Denial rate-4.92 pts vs state
15.1%Decision denial rate-6.84 pts vs state
70.7%Origination rate+10.84 pts vs state
6.88%Median rate0.00 pts vs state
0.11Rate spread (pts)-0.27 pts vs state
$132kMedian applicant income
515Loans originated
93Denied
What German American Bank lends in Ohio
By loan purpose
By loan type
Why it denied Ohio applicants
Where in Ohio
Counties with the most German American Bank applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Franklin County | 353 | 248 | 37 | 10.5% |
| Licking County | 94 | 69 | 14 | 14.9% |
| Delaware County | 59 | 48 | 3 | 5.1% |
| Hamilton County | 57 | 39 | 8 | 14.0% |
| Warren County | 25 | 17 | 3 | 12.0% |
| Fairfield County | 24 | 15 | 6 | 25.0% |
| Butler County | 16 | 14 | 0 | 0.0% |
| Madison County | 13 | 11 | 2 | 15.4% |
| Clermont County | 12 | 9 | 3 | 25.0% |
| Morrow County | 8 | 2 | 4 | 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: 728 applications in 2025, of which 515 were originated and 93 denied.
12.8% of all applications, or 15.1% of the applications it actually decided on. The Ohio statewide average across all lenders was 17.7%.
The median rate on loans German American Bank originated in Ohio in 2025 was 6.88%, against a statewide median of 6.88%.
About this data. Figures are German American 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