Fair Lending Policy Statement

First City Bank is committed to the principle that the granting of credit should be made without regard to race, color, national origin, religion, gender, age, marital status, sexual orientation, disability, because all or part of the applicant’s income derives from public assistance, or because the applicant has exercised a right under the Consumer Credit Protection Act, or any other basis protected by law.

Loan Zone

First City Bank offers a wide range of loans to our customers. Our primary lending expertise is based in Residential and Commercial Real Estate Mortgage loans. We offer our customers the following:

• Consumer Loans
• Business Lending
• Bridge Loans
• 1st Mortgage Home Loans (Conforming, Jumbo, Portfolio)
• Commercial & Investment Real Estate Lending

Consumer Loans

First City Bank offers a wide range of personal loans. You can finance your new car, and home improvements. On all loans we offer competitive rates and terms, local decisions, quick answers.

Business Lending

First City Bank offers loans to business customers for purchase of automobiles, fleet vehicles, capital equipment. Other Business loans secured by Real Estate are detailed in Commercial Lending area.

Learn More About Business Loans & Credit Services »

Bridge Loans

First City Bank offers quick, local approval for owner-occupied bridge loans. When you find your dream home but need the equity trapped in your old home to buy it, call us for the Bridge to get your home.

1st Mortgage Home Loans

First City Bank offers local mortgage approval to CREDIT QUALIFIED customers. We offer purchase, refinance, and home improvement mortgages with competitive rates, flexible structure, quick approval and closing.

• Conforming Rate Mortgages (ARMs)
• Non-conforming ARM mortgages with NO MORTGAGE INSURANCE (MI)
  
• Conventional and Jumbo Fixed rate mortgages
• Short term and immediate need cash-out refinance loans

Commercial & Investment Real Estate Lending

First City Bank specializes in Commercial & Investment property lending in Central Ohio. For properties located in Central Ohio, we offer the following to credit qualified borrowers:

• 1st mortgage loans for Apartments, Net Leased Offices, Net Leased Warehouse & Light Industrial, General Business Real Estate.
• 1st mortgage, Blanket, and Rehab loans for multi-family properties.
• Commercial Real Estate loans from $100,000 to $10 million.
• Local service and decision-making.

Learn More About Business Real Estate Loans s »