Applications / Mortgage Analytics / Lenders / Ohio / The First National Bank of Germantown
Germantown, OH · National bank · OCC · $93.7 million assets · 21 loans in 2025
The First National Bank of Germantown's data, $215Buy the data, $2,110Get Jenner, the SAS-compatible software
21
loans originated, 2025
37
applications, 2025
1
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
The First National Bank of Germantown lends in a single Ohio county, and its 21 loans in 2025 were the fewest of any year it has reported since 2018.
Its loans fell 43%, from 37 to 21. Similar lenders, national banks making between half and twice as many loans, saw a fall of 16%, while the whole market grew 10%. On numbers this small a few borrowers more or less make a large difference. The bank filed no report for 2020, 2021 or 2022, a gap in the record rather than years without lending.
All its lending falls in one county, in the Dayton-Kettering-Beavercreek metro, where it has lent since 1990. It ranks 180 of 443 lenders there. Its share slipped from 0.1% to 0.0%, which its smaller number of loans would explain. Wright-Patt Credit Union and Union Savings Bank lead the market.
Refinances made up 52.4% of its loans and purchases 42.9%, with home improvement the rest. Every loan was conventional. Its typical loan, $135,000, is smaller than the $185,000 at similar lenders, and none was a jumbo loan (one larger than the conforming limit).
Similar lenders: same lender type, originations between half and twice the lender's in the data year. Written from the 2025 HMDA data and checked figure by figure against it.
FIG. 1 — LOANS ORIGINATED, 2018–2025
Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. Years with no HMDA report from this lender are left out: since 2020 a bank making fewer than 100 closed-end loans a year need not report. The First National Bank of Germantown took 37 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Refinance 52.4% · Purchase 42.9% · Home improvement 4.8%
Conventional 100.0% · of 21 loans. Purchase: buying a home. Refinance: replacing an existing mortgage, including cash-out. FHA: insured by the Federal Housing Administration. VA: guaranteed by the Department of Veterans Affairs. Conventional: neither.
SOURCE: FFIEC HMDA 2025, LOANS ORIGINATED
Where it lends, 2025
| State | Loans | Share |
|---|---|---|
| Ohio | 11 | 52.4% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Dayton-Kettering-Beavercreek | 11 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 549300T42S5DPZ6KG172 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 505916 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 186 | 1990–2016 |
Established 19 September 1863. Reported under HMDA 1990-2025.
Mergers, name changes, data editions and corrections: The First National Bank of Germantown's data.
The First National Bank of Germantown's data
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The First National Bank of Germantown and its peers, 2018–2025: every application in the HMDA data, cleaned and corrected, as Parquet files, with the Jenner programs that made these pages.
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