Lenders › Bank of America NA › Ohio
Bank of America NA in Ohio
HMDA record for properties in Ohio, calendar year 2024. National record · Ohio overview
HMDA data alone cannot be used to determine whether a lender is complying with fair lending laws. The data do not include some legitimate credit risk considerations for loan approval and loan pricing decisions. Cells under 25 applications are withheld.
Bank of America NA's 2024 HMDA record for Ohio covers 2,016 applications, 705 of them originated, worth $156m.
Its denial rate in the state was 50.1%, above the Ohio rate of 23.5% across all lenders and compared with the lender's national rate of 48.1%.
The median rate spread on its Ohio originations was 0.4 percentage points (state median 0.5).
Applications in the state were down 11% on 2023.
Compared with the state and the lender's national record
| Measure | In Ohio | Ohio, all lenders | Bank of America NA, all states | United States |
|---|---|---|---|---|
| Denial rate | 50.1% | 23.5% | 48.1% | 24.3% |
| Median rate spread, pp | 0.4 | 0.5 | 1.1 | 0.3 |
| Originations with spread of 1.5 pp or more | 34.2% | 17.7% | 41.1% | 15.6% |
| Average originated loan | $221k | $218k | $360k | $329k |
| Home purchase share | 46.0% | 51.7% | 31.8% | 57.0% |
| FHA-insured share | 1.0% | 12.3% | 0.5% | 13.4% |
| VA-guaranteed share | 0.0% | 5.9% | 0.1% | 7.9% |
Trend by year
ApplicationsOriginations
This lender in stateOhio, all lenders
Loan purpose and loan type in Ohio
By purpose
Home purchase 46% (324)Home improvement 27% (189)Refinancing 10% (72)Cash-out refinancing 3% (21)Other purpose 14% (99)
By type
Conventional 99% (698)FHA 1% (7)
Denial reasons as coded
Share of 754 denials in Ohio by first denial reason coded (outlined bar: all lenders in the state).
Counties in Ohio
| County | Applications | Originations | Amount | Denial rate |
|---|---|---|---|---|
| Cuyahoga County | 315 | 123 | $27m | 47.4% |
| Franklin County | 301 | 123 | $32m | 40.8% |
| Hamilton County | 183 | 82 | $20m | 41.3% |
| Summit County | 95 | 38 | $8.5m | 43.2% |
| Delaware County | 101 | 37 | $11m | 44.6% |
| Warren County | 76 | 34 | $7.4m | 36.8% |
| Butler County | 86 | 24 | $4.2m | 54.2% |
| Fairfield County | 52 | 22 | $4.8m | 42.1% |
| Lucas County | 64 | 18 | $3.3m | 54.8% |
| Lorain County | 56 | 17 | $2.7m | 59.5% |
| Montgomery County | 64 | 15 | $3.1m | 63.8% |
| Stark County | 40 | 13 | $2.9m | 55.2% |
| Medina County | 38 | 12 | $1.7m | 53.6% |
| Clermont County | 38 | 11 | $1.9m | 57.7% |
| Licking County | 33 | 11 | $1.5m | — |
| Lake County | 42 | 10 | $3.1m | 60.7% |
| Portage County | 29 | 10 | $1.1m | — |
| Mahoning County | 26 | 6 | $1.2m | — |
Counties with at least 25 applications, by originations.
Questions and answers
How many mortgages did Bank of America NA originate in Ohio in 2024?
705 loans totalling $156m, from 2,016 applications reported for properties in Ohio.
What is Bank of America NA's denial rate in Ohio?
50.1% of decided applications in Ohio were denied, against 23.5% for all lenders in the state and 48.1% for this lender nationally. HMDA data alone cannot be used to determine whether a lender is complying with fair lending laws.
Which Ohio counties does Bank of America NA lend in most?
By originations: Cuyahoga County (123), Franklin County (123), Hamilton County (82), Summit County (38), Delaware County (37).
Where does this data come from?
From the 2024 public HMDA loan/application register (FFIEC and CFPB), filtered to the lender's LEI and the property state. Cells under 25 applications are withheld.
Provenance
Source: HMDA public loan/application register 2022, 2023, 2024 (FFIEC and CFPB, public domain), records for this LEI with a property in Ohio. Built 30 Sep 2026; data through 1 Aug 2026. See methodology and corrections.