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In 2023, we launched our first Special Purpose Credit Program in Franklin County, Ohio in demonstration of our commitment to extend credit to low-to-moderate income (LMI) census tracts and minority populations. With approval from the FDIC, we will lend $10,000,000 in purchase or refinance properties within 18months of our program launching.

By August, our local mortgage team had committed the full budget to local homeowners, made possible through partnerships with local builders and realtors.

Franklin First program details

  • Available for Black or Hispanic/Latino borrowers in Franklin County, and/or anyone living in designated areas of Franklin County.
  • No origination charges saving $1,395 (savings as of January 2023)
  • Up to $20,000 in down payment and closing cost assistance available.
  • Minimum credit score 600
  • Lower interest rate
  • Free financial education sessions

One of those Franklin County borrowers was Monique Thomas, who created the opportunity to buy a home for her teenage daughters.

"What I wanted for myself as a woman was homeownership; security, safety and stability. My home is my kids’ generational wealth. And no one can take from me that I did this for my family.Monique saw the opportunities for her family that homeownership could create. So she made it happen for herself, with a little support from our mortgage team. Watch her story below.

Connect with Our Community Lending Team

Clyde Owens
Community Development
Mortgage Loan Officer 
(740) 548-3202

Lance Strong
Community Development
Mortgage Loan Officer 
(740) 657-7840

Joe Tomaceski
Community Lending
(412) 571-7924