S&T Bank in Ohio vs the state
21.0%Denial rate+3.26 pts vs state
24.6%Decision denial rate+2.69 pts vs state
63.3%Origination rate+3.43 pts vs state
6.38%Median rate-0.50 pts vs state
-0.65Rate spread (pts)-1.04 pts vs state
$153kMedian applicant income
133Loans originated
44Denied
Trend in Ohio
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 341 | 201 | 18.2% | 6.25% | #145 |
| 2024 | 191 | 133 | 14.1% | 6.75% | #224 |
| 2025 | 210 | 133 | 21.0% | 6.38% | #232 |
What S&T Bank lends in Ohio
By loan purpose
By loan type
Why it denied Ohio applicants
Where in Ohio
Counties with the most S&T Bank applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Summit County | 44 | 22 | 13 | 29.5% |
| Franklin County | 35 | 26 | 7 | 20.0% |
| Cuyahoga County | 31 | 23 | 3 | 9.7% |
| Delaware County | 19 | 10 | 6 | 31.6% |
| Union County | 15 | 12 | 1 | 6.7% |
| Medina County | 9 | 6 | 0 | 0.0% |
| Madison County | 7 | 5 | 2 | 28.6% |
| Lorain County | 4 | 2 | 1 | 25.0% |
| Logan County | 3 | 3 | 0 | 0.0% |
| Portage County | 3 | 1 | 1 | 33.3% |
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: 210 applications in 2025, of which 133 were originated and 44 denied.
21.0% of all applications, or 24.6% of the applications it actually decided on. The Ohio statewide average across all lenders was 17.7%.
The median rate on loans S&T Bank originated in Ohio in 2025 was 6.38%, against a statewide median of 6.88%.
About this data. Figures are S&T 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