Independent Bank in Ohio vs the state
6.0%Denial rate-11.67 pts vs state
7.0%Decision denial rate-14.85 pts vs state
79.5%Origination rate+19.62 pts vs state
6.75%Median rate-0.13 pts vs state
0.26Rate spread (pts)-0.13 pts vs state
$176kMedian applicant income
66Loans originated
5Denied
Trend in Ohio
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 92 | 71 | 9.8% | 6.88% | #314 |
| 2024 | 77 | 54 | 11.7% | 6.75% | #343 |
| 2025 | 83 | 66 | 6.0% | 6.75% | #350 |
What Independent Bank lends in Ohio
By loan purpose
By loan type
Why it denied Ohio applicants
Where in Ohio
Counties with the most Independent Bank applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Summit County | 42 | 36 | 0 | 0.0% |
| Cuyahoga County | 11 | 9 | 0 | 0.0% |
| Portage County | 6 | 6 | 0 | 0.0% |
| Medina County | 5 | 3 | 1 | 20.0% |
| Delaware County | 4 | 1 | 2 | 50.0% |
| Franklin County | 2 | 1 | 0 | 0.0% |
| Wayne County | 2 | 1 | 1 | 50.0% |
| Geauga County | 2 | 1 | 0 | 0.0% |
| Stark County | 2 | 2 | 0 | 0.0% |
| Fairfield 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: 83 applications in 2025, of which 66 were originated and 5 denied.
6.0% of all applications, or 7.0% of the applications it actually decided on. The Ohio statewide average across all lenders was 17.7%.
The median rate on loans Independent Bank originated in Ohio in 2025 was 6.75%, against a statewide median of 6.88%.
About this data. Figures are Independent 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