Republic Bank & Trust in Ohio vs the state
12.3%Denial rate-5.43 pts vs state
17.8%Decision denial rate-4.10 pts vs state
55.9%Origination rate-4.04 pts vs state
5.99%Median rate-0.88 pts vs state
-0.95Rate spread (pts)-1.33 pts vs state
$86kMedian applicant income
205Loans originated
45Denied
Trend in Ohio
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 307 | 175 | 6.5% | 5.99% | #154 |
| 2024 | 316 | 161 | 14.9% | 6.99% | #167 |
| 2025 | 367 | 205 | 12.3% | 5.99% | #173 |
What Republic Bank & Trust lends in Ohio
By loan purpose
By loan type
Why it denied Ohio applicants
Where in Ohio
Counties with the most Republic Bank & Trust applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Hamilton County | 188 | 118 | 21 | 11.2% |
| Butler County | 67 | 37 | 6 | 9.0% |
| Warren County | 40 | 20 | 8 | 20.0% |
| Clermont County | 40 | 21 | 5 | 12.5% |
| Cuyahoga County | 6 | 1 | 0 | 0.0% |
| Montgomery County | 4 | 0 | 1 | 25.0% |
| Greene County | 3 | 1 | 1 | 33.3% |
| Summit County | 3 | 1 | 1 | 33.3% |
| Franklin County | 2 | 0 | 0 | 0.0% |
| Miami County | 2 | 2 | 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: 367 applications in 2025, of which 205 were originated and 45 denied.
12.3% of all applications, or 17.8% of the applications it actually decided on. The Ohio statewide average across all lenders was 17.7%.
The median rate on loans Republic Bank & Trust originated in Ohio in 2025 was 5.99%, against a statewide median of 6.88%.
About this data. Figures are Republic 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