Lender in Ohio · HMDA 2025
German American Bank mortgages in Ohio
German American Bank's 2025 home-purchase and refinance lending in Ohio, compared with all lenders in the state.
German American Bank originated 217 owner-occupied single-family loans in Ohio from 246 completed applications.
Its median conventional purchase loan costs were $4,180 versus $4,610 for all Ohio lenders, at a median 30-year fixed rate of 6.75% (Ohio: 6.625%).
Loans in OH
217
of 246 applications
Denial rate
9.6%
Purchase · OH 7.1%
Rate spread
+0.27 pts
Conv. · OH +0.22 pts
Loan amount
$325,000
Purchase · OH $245,000
By loan purpose
| Purpose | Applications | Loans | Denial rate | 30-yr rate* | Rate spread* | Loan costs* | Median loan |
|---|---|---|---|---|---|---|---|
| Home purchase | 208 | 186 | 9.6% | 6.750% | +0.27 pts | $4,180 | $325,000 |
| Refinance | 27 | 23 | 7.4% | — | +0.11 pts | $3,210 | $345,000 |
| Cash-out refinance | 11 | 8 | — | — | — | — | — |
*Conventional loans only; medians with at least 20 loans.
Ohio counties where German American Bank ranks in the top 25
| County | Rank | Loans | Market share |
|---|---|---|---|
| Madison County | 19 | 9 | 1.1% |
Source: FFIEC/CFPB HMDA 2025 public LAR. Statistical profile, not a review or offer. Methodology