Ohio State Bank
Ohio State Bank received 51 applications in 2025 and made 45 mortgages, in 6 counties across 1 state. The median rate its borrowers got was 6.750% on a median loan of $425,000. Of 47 decisions, 1 were denials — 2.1%, most often for unverifiable information.
| Legal Entity Identifier | 549300PNCXQN31IE5142 |
|---|---|
| Applications received | 51 |
| Mortgages made | 45 |
| Denied | 1 |
| Approved, not taken up | 1 |
| Withdrawn or incomplete | 4 |
| Loans bought from other lenders | 0 |
| Median rate spread over the prime offer rate | 0.317 points |
| FDIC-insured bank | Yes: Ohio State Bank, 2 offices |
By loan purpose
| Purpose | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| Home purchase | 31 | 6.750% | $405,000 | 3.0% |
| Refinancing | 11 | 6.750% | $595,000 | 0.0% |
| Cash-out refinancing | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Other purposes | 1 | Under 10 loans | Under 10 loans | 0.0% |
Where Ohio State Bank lends most
The 6 counties where it made the most mortgages in 2025. Each county page ranks every lender there.
| County | Mortgages made | Median rate | Denied |
|---|---|---|---|
| Franklin County, OH | 38 | 6.750% | 2.5% |
| Delaware County, OH | 2 | Under 10 loans | 0.0% |
| Licking County, OH | 2 | Under 10 loans | 0.0% |
| Fairfield County, OH | 1 | Under 10 loans | 0.0% |
| Pickaway County, OH | 1 | Under 10 loans | 0.0% |
| Union County, OH | 1 | Under 10 loans | 0.0% |
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When Ohio State Bank’s figures are published for the next year, or restated.
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Counts, medians and denial shares are computed from the Home Mortgage Disclosure Act loan-level file for 2025, published by the Consumer Financial Protection Bureau through the FFIEC: every application a covered lender received, as the lender reported it. A median rate is what borrowers got, not what you will be offered — it depends on the loan, the property, your credit and the market on the day, and no figure here is a quote. A median over fewer than 10 loans is not shown: it is a number with no meaning and a real person's rate half-exposed. Those cells say "under 10 loans" and the count is still published. This is information, not advice, and no lender pays to appear.