Lender in Ohio · HMDA 2025
First Commonwealth Bank mortgages in Ohio
First Commonwealth Bank's 2025 home-purchase and refinance lending in Ohio, compared with all lenders in the state.
First Commonwealth Bank originated 566 owner-occupied single-family loans in Ohio from 637 completed applications.
Its median conventional purchase loan costs were $4,580 versus $4,610 for all Ohio lenders, at a median 30-year fixed rate of 6.625% (Ohio: 6.625%).
Loans in OH
566
of 637 applications
Denial rate
3.7%
Purchase · OH 7.1%
Rate spread
+0.10 pts
Conv. · OH +0.22 pts
Loan amount
$275,000
Purchase · OH $245,000
By loan purpose
| Purpose | Applications | Loans | Denial rate | 30-yr rate* | Rate spread* | Loan costs* | Median loan |
|---|---|---|---|---|---|---|---|
| Home purchase | 545 | 501 | 3.7% | 6.625% | +0.10 pts | $4,580 | $275,000 |
| Refinance | 65 | 47 | 20.0% | — | +0.17 pts | $3,530 | $175,000 |
| Cash-out refinance | 27 | 18 | 22.2% | — | — | — | — |
*Conventional loans only; medians with at least 20 loans.
Ohio counties where First Commonwealth Bank ranks in the top 25
| County | Rank | Loans | Market share |
|---|---|---|---|
| Columbiana County | 9 | 23 | 2.2% |
| Mahoning County | 11 | 49 | 1.8% |
| Stark County | 15 | 79 | 1.5% |
| Portage County | 15 | 30 | 1.6% |
| Knox County | 20 | 12 | 1.3% |
| Summit County | 24 | 78 | 1.1% |
Source: FFIEC/CFPB HMDA 2025 public LAR. Statistical profile, not a review or offer. Methodology