Main Street Bank in Ohio vs the state
9.1%Denial rate-8.63 pts vs state
10.0%Decision denial rate-11.85 pts vs state
79.5%Origination rate+19.63 pts vs state
—Median rate
—Rate spread (pts)
$89kMedian applicant income
404Loans originated
46Denied
Trend in Ohio
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 307 | 258 | 4.2% | — | #155 |
| 2024 | 502 | 423 | 6.8% | — | #119 |
| 2025 | 508 | 404 | 9.1% | — | #134 |
What Main Street Bank lends in Ohio
By loan purpose
By loan type
Where in Ohio
Counties with the most Main Street Bank applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Wayne County | 117 | 91 | 7 | 6.0% |
| Columbiana County | 66 | 53 | 7 | 10.6% |
| Mahoning County | 56 | 49 | 5 | 8.9% |
| Carroll County | 38 | 29 | 5 | 13.2% |
| Holmes County | 38 | 29 | 6 | 15.8% |
| Stark County | 33 | 28 | 0 | 0.0% |
| Jefferson County | 27 | 20 | 3 | 11.1% |
| Ashland County | 26 | 18 | 4 | 15.4% |
| Belmont County | 25 | 18 | 3 | 12.0% |
| Medina County | 20 | 20 | 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: 508 applications in 2025, of which 404 were originated and 46 denied.
9.1% of all applications, or 10.0% of the applications it actually decided on. The Ohio statewide average across all lenders was 17.7%.
This lender did not report interest rates on its originated loans (some institutions are exempt from HMDA pricing fields).
About this data. Figures are Main Street 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