Lenders › First Commonwealth Bank › Ohio
First Commonwealth Bank 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.
In Ohio, First Commonwealth Bank reported 1,519 applications and 983 originations for 2024, $277m in all.
Its denial rate in the state was 23.3%, close to the Ohio rate of 23.5% across all lenders and compared with the lender's national rate of 29.6%.
The median rate spread on its Ohio originations was -0.2 percentage points (state median 0.5).
Applications in the state were down 32% on 2023.
Compared with the state and the lender's national record
| Measure | In Ohio | Ohio, all lenders | First Commonwealth Bank, all states | United States |
|---|---|---|---|---|
| Denial rate | 23.3% | 23.5% | 29.6% | 24.3% |
| Median rate spread, pp | -0.2 | 0.5 | -0.2 | 0.3 |
| Originations with spread of 1.5 pp or more | 4.2% | 17.7% | 6.2% | 15.6% |
| Average originated loan | $281k | $218k | $177k | $329k |
| Home purchase share | 41.0% | 51.7% | 34.0% | 57.0% |
| FHA-insured share | 2.5% | 12.3% | 2.8% | 13.4% |
| VA-guaranteed share | 1.1% | 5.9% | 0.7% | 7.9% |
Trend by year
ApplicationsOriginations
This lender in stateOhio, all lenders
Loan purpose and loan type in Ohio
By purpose
Home purchase 41% (403)Home improvement 21% (208)Refinancing 24% (235)Cash-out refinancing 1% (12)Other purpose 13% (125)
By type
Conventional 96% (946)FHA 3% (25)VA 1% (11)USDA 0% (1)
Denial reasons as coded
Share of 321 denials in Ohio by first denial reason coded (outlined bar: all lenders in the state).
Counties in Ohio
| County | Applications | Originations | Amount | Denial rate |
|---|---|---|---|---|
| Stark County | 464 | 292 | $38m | 24.9% |
| Delaware County | 200 | 126 | $23m | 25.8% |
| Summit County | 123 | 105 | $35m | 4.3% |
| Franklin County | 169 | 97 | $76m | 25.0% |
| Mahoning County | 74 | 47 | $11m | 22.2% |
| Columbiana County | 45 | 40 | $7.5m | 9.1% |
| Cuyahoga County | 51 | 36 | $9.5m | 20.0% |
| Portage County | 32 | 23 | $7.9m | 13.3% |
| Hamilton County | 49 | 21 | $18m | 48.8% |
| Morrow County | 25 | 18 | $4.3m | — |
| Butler County | 26 | 17 | $2.6m | — |
Counties with at least 25 applications, by originations.
Questions and answers
How many mortgages did First Commonwealth Bank originate in Ohio in 2024?
983 loans totalling $277m, from 1,519 applications reported for properties in Ohio.
What is First Commonwealth Bank's denial rate in Ohio?
23.3% of decided applications in Ohio were denied, against 23.5% for all lenders in the state and 29.6% 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 First Commonwealth Bank lend in most?
By originations: Stark County (292), Delaware County (126), Summit County (105), Franklin County (97), Mahoning County (47).
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.