The First National Bank of Pandora in Ohio vs the state
3.3%Denial rate-14.36 pts vs state
3.6%Decision denial rate-18.27 pts vs state
88.7%Origination rate+28.77 pts vs state
—Median rate
—Rate spread (pts)
$95kMedian applicant income
133Loans originated
5Denied
Trend in Ohio
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 127 | 119 | 2.4% | — | #273 |
| 2024 | 167 | 150 | 3.0% | — | #243 |
| 2025 | 150 | 133 | 3.3% | — | #271 |
What The First National Bank of Pandora lends in Ohio
By loan purpose
By loan type
Why it denied Ohio applicants
Where in Ohio
Counties with the most The First National Bank of Pandora applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Allen County | 66 | 60 | 1 | 1.5% |
| Hancock County | 42 | 37 | 1 | 2.4% |
| Putnam County | 20 | 16 | 3 | 15.0% |
| Seneca County | 6 | 6 | 0 | 0.0% |
| Lucas County | 3 | 3 | 0 | 0.0% |
| Auglaize County | 2 | 2 | 0 | 0.0% |
| Logan County | 2 | 2 | 0 | 0.0% |
| Van Wert County | 2 | 2 | 0 | 0.0% |
| Hardin County | 2 | 1 | 0 | 0.0% |
| Cuyahoga County | 1 | 1 | 0 | 0.0% |
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: 150 applications in 2025, of which 133 were originated and 5 denied.
3.3% of all applications, or 3.6% of the applications it actually decided on. The Ohio statewide average across all lenders was 17.7%.
This lender did not report interest rates on its originated loans (some institutions are exempt from HMDA pricing fields).
About this data. Figures are The First National Bank of Pandora'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