Community Trust Bank in Ohio vs the state
20.0%Denial rate+2.31 pts vs state
21.4%Decision denial rate-0.46 pts vs state
73.3%Origination rate+13.43 pts vs state
7.13%Median rate+0.25 pts vs state
0.17Rate spread (pts)-0.21 pts vs state
$106kMedian applicant income
33Loans originated
9Denied
Trend in Ohio
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 35 | 26 | 14.3% | 7.00% | #449 |
| 2024 | 37 | 28 | 18.9% | 7.50% | #440 |
| 2025 | 45 | 33 | 20.0% | 7.13% | #421 |
What Community Trust Bank lends in Ohio
By loan purpose
By loan type
Why it denied Ohio applicants
Where in Ohio
Counties with the most Community Trust Bank applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Lawrence County | 17 | 11 | 5 | 29.4% |
| Hamilton County | 13 | 11 | 2 | 15.4% |
| Brown County | 5 | 3 | 2 | 40.0% |
| Adams County | 3 | 2 | 0 | 0.0% |
| Warren County | 1 | 1 | 0 | 0.0% |
| Montgomery County | 1 | 1 | 0 | 0.0% |
| Butler County | 1 | 1 | 0 | 0.0% |
| Scioto County | 1 | 1 | 0 | 0.0% |
| Clermont County | 1 | 0 | 0 | 0.0% |
| Auglaize 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: 45 applications in 2025, of which 33 were originated and 9 denied.
20.0% of all applications, or 21.4% of the applications it actually decided on. The Ohio statewide average across all lenders was 17.7%.
The median rate on loans Community Trust Bank originated in Ohio in 2025 was 7.13%, against a statewide median of 6.88%.
About this data. Figures are Community Trust Bank'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