The Friendship State Bank · Ohio · 2025

The Friendship State Bank in Ohio: approval rate, denial rate and rates (2025)

The Friendship State Bank took 5 mortgage applications in Ohio in 2025, ranking #716 of 1,092 lenders active in the state. It originated 60.0% of them and denied 40.0% (40.0% of the applications it decided), against a statewide denial rate of 17.7%.

5Applicationsin OH
40.0%Decision denial ratestate 21.9%
6.75%Median ratestate 6.88%
$185,000Median loanstate $155,000
$865kVolume2 counties

The Friendship State Bank in Ohio vs the state

40.0%Denial rate+22.31 pts vs state
40.0%Decision denial rate+18.11 pts vs state
60.0%Origination rate+0.10 pts vs state
6.75%Median rate-0.13 pts vs state
0.34Rate spread (pts)-0.05 pts vs state
$92kMedian applicant income
3Loans originated
2Denied

What The Friendship State Bank lends in Ohio

By loan purpose

Refinance 3 60% · 0.0% denied
Cash-out refinance 1 20% · 100.0% denied
Other / HELOC 1 20% · 100.0% denied

By loan type

Conventional 5 100% · 40.0% denied

Why it denied Ohio applicants

Employment history 1 50%
Credit history 1 50%

Where in Ohio

Counties with the most The Friendship State Bank applications in 2025.

CountyApplicationsOriginatedDeniedDenial rate
Hamilton County 431 25.0%
Sandusky County 101 100.0%

Other large lenders in Ohio

LenderGradeApplicationsDenial rateMedian rate
The Huntington National BankD 42,68325.8%7.59%
Rocket MortgageC 23,16518.5%6.63%
Fifth Third BankD 21,93925.6%7.50%
Crosscountry MortgageB 16,0663.1%6.75%
United Shore Financial ServicesB 14,62613.1%6.45%
Third Federal Savings and Loan Association of ClevelandC 12,62223.0%6.74%
PNC BankD 11,60724.6%7.40%
Wright-Patt Credit UnionC 8,79128.1%7.50%
U.S. BankD 8,62338.0%7.60%
Citizens BankC 7,77524.3%7.65%

Frequently asked questions

Ohio: 5 applications in 2025, of which 3 were originated and 2 denied.

40.0% of all applications, or 40.0% of the applications it actually decided on. The Ohio statewide average across all lenders was 17.7%.

The median rate on loans The Friendship State Bank originated in Ohio in 2025 was 6.75%, against a statewide median of 6.88%.

About this data. Figures are The Friendship 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