Lender in Ohio · HMDA 2025
1st National Bank mortgages in Ohio
1st National Bank's 2025 home-purchase and refinance lending in Ohio, compared with all lenders in the state.
1st National Bank originated 257 owner-occupied single-family loans in Ohio from 259 completed applications.
Its median conventional purchase loan costs were $2,720 versus $4,610 for all Ohio lenders, at a median 30-year fixed rate of 6.50% (Ohio: 6.625%).
Loans in OH
257
of 259 applications
Denial rate
0.0%
Purchase · OH 7.1%
Rate spread
+0.03 pts
Conv. · OH +0.22 pts
Loan amount
$285,000
Purchase · OH $245,000
By loan purpose
| Purpose | Applications | Loans | Denial rate | 30-yr rate* | Rate spread* | Loan costs* | Median loan |
|---|---|---|---|---|---|---|---|
| Home purchase | 156 | 156 | 0.0% | 6.500% | +0.03 pts | $2,720 | $285,000 |
| Refinance | 80 | 79 | 1.3% | 6.125% | −0.26 pts | $1,600 | $295,000 |
| Cash-out refinance | 23 | 22 | 4.3% | — | +0.14 pts | $2,910 | $225,000 |
*Conventional loans only; medians with at least 20 loans.
Ohio counties where 1st National Bank ranks in the top 25
| County | Rank | Loans | Market share |
|---|---|---|---|
| Warren County | 8 | 112 | 2.4% |
| Clinton County | 9 | 16 | 2.8% |
| Highland County | 25 | 5 | 1.0% |
Source: FFIEC/CFPB HMDA 2025 public LAR. Statistical profile, not a review or offer. Methodology