Central Bank & Trust in Ohio vs the state
8.3%Denial rate-9.36 pts vs state
9.1%Decision denial rate-12.80 pts vs state
83.3%Origination rate+23.43 pts vs state
7.00%Median rate+0.13 pts vs state
-0.08Rate spread (pts)-0.47 pts vs state
$134kMedian applicant income
10Loans originated
1Denied
Trend in Ohio
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 19 | 18 | 5.3% | 6.75% | #531 |
| 2024 | 12 | 11 | 0.0% | 8.00% | #577 |
| 2025 | 12 | 10 | 8.3% | 7.00% | #594 |
What Central Bank & Trust lends in Ohio
By loan purpose
By loan type
Why it denied Ohio applicants
Where in Ohio
Counties with the most Central Bank & Trust applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Hamilton County | 9 | 7 | 1 | 11.1% |
| Warren County | 1 | 1 | 0 | 0.0% |
| Butler County | 1 | 1 | 0 | 0.0% |
| Clermont County | 1 | 1 | 0 | 0.0% |
Other large lenders in Ohio
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| The Huntington National Bank | D | 42,683 | 25.8% | 7.59% |
| Rocket Mortgage | C | 23,165 | 18.5% | 6.63% |
| Fifth Third Bank | D | 21,939 | 25.6% | 7.50% |
| Crosscountry Mortgage | B | 16,066 | 3.1% | 6.75% |
| United Shore Financial Services | B | 14,626 | 13.1% | 6.45% |
| Third Federal Savings and Loan Association of Cleveland | C | 12,622 | 23.0% | 6.74% |
| PNC Bank | D | 11,607 | 24.6% | 7.40% |
| Wright-Patt Credit Union | C | 8,791 | 28.1% | 7.50% |
| U.S. Bank | D | 8,623 | 38.0% | 7.60% |
| Citizens Bank | C | 7,775 | 24.3% | 7.65% |
Frequently asked questions
Ohio: 12 applications in 2025, of which 10 were originated and 1 denied.
8.3% of all applications, or 9.1% of the applications it actually decided on. The Ohio statewide average across all lenders was 17.7%.
The median rate on loans Central Bank & Trust originated in Ohio in 2025 was 7.00%, against a statewide median of 6.88%.
About this data. Figures are Central Bank & Trust's own HMDA filing for properties located in Ohio, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology