PNC Bank in Ohio vs the state
24.6%Denial rate+6.95 pts vs state
29.2%Decision denial rate+7.28 pts vs state
57.9%Origination rate-1.96 pts vs state
7.40%Median rate+0.53 pts vs state
0.32Rate spread (pts)-0.07 pts vs state
$87kMedian applicant income
6,725Loans originated
2,860Denied
Trend in Ohio
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 11,583 | 6,410 | 25.6% | 8.70% | #6 |
| 2024 | 10,746 | 5,981 | 25.8% | 8.86% | #6 |
| 2025 | 11,607 | 6,725 | 24.6% | 7.40% | #7 |
What PNC Bank lends in Ohio
By loan purpose
By loan type
Why it denied Ohio applicants
Where in Ohio
Counties with the most PNC Bank applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Cuyahoga County | 1,996 | 1,170 | 506 | 25.4% |
| Franklin County | 1,204 | 701 | 284 | 23.6% |
| Hamilton County | 1,059 | 629 | 249 | 23.5% |
| Summit County | 762 | 451 | 149 | 19.6% |
| Montgomery County | 428 | 237 | 120 | 28.0% |
| Lorain County | 360 | 229 | 68 | 18.9% |
| Butler County | 349 | 196 | 86 | 24.6% |
| Lucas County | 348 | 175 | 106 | 30.5% |
| Stark County | 330 | 214 | 72 | 21.8% |
| Lake County | 309 | 193 | 61 | 19.7% |
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% |
| 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% |
| Union Home Mortgage | B | 7,114 | 4.6% | 6.75% |
Frequently asked questions
Ohio: 11,607 applications in 2025, of which 6,725 were originated and 2,860 denied.
24.6% of all applications, or 29.2% of the applications it actually decided on. The Ohio statewide average across all lenders was 17.7%.
The median rate on loans PNC Bank originated in Ohio in 2025 was 7.40%, against a statewide median of 6.88%.
About this data. Figures are PNC 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