NBKC Bank in Ohio vs the state
15.9%Denial rate-1.75 pts vs state
22.9%Decision denial rate+1.03 pts vs state
53.6%Origination rate-6.28 pts vs state
6.19%Median rate-0.69 pts vs state
-0.06Rate spread (pts)-0.45 pts vs state
$129kMedian applicant income
148Loans originated
44Denied
Trend in Ohio
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 226 | 118 | 8.4% | 6.63% | #203 |
| 2024 | 316 | 199 | 7.0% | 6.38% | #166 |
| 2025 | 276 | 148 | 15.9% | 6.19% | #197 |
What NBKC Bank lends in Ohio
By loan purpose
By loan type
Why it denied Ohio applicants
Where in Ohio
Counties with the most NBKC Bank applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Cuyahoga County | 38 | 19 | 5 | 13.2% |
| Franklin County | 37 | 21 | 4 | 10.8% |
| Hamilton County | 31 | 20 | 5 | 16.1% |
| Montgomery County | 16 | 8 | 2 | 12.5% |
| Delaware County | 15 | 9 | 1 | 6.7% |
| Warren County | 13 | 9 | 2 | 15.4% |
| Summit County | 9 | 3 | 3 | 33.3% |
| Lorain County | 9 | 3 | 2 | 22.2% |
| Greene County | 8 | 8 | 0 | 0.0% |
| Stark County | 8 | 3 | 1 | 12.5% |
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: 276 applications in 2025, of which 148 were originated and 44 denied.
15.9% of all applications, or 22.9% of the applications it actually decided on. The Ohio statewide average across all lenders was 17.7%.
The median rate on loans NBKC Bank originated in Ohio in 2025 was 6.19%, against a statewide median of 6.88%.
About this data. Figures are NBKC 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