Southern Michigan Bank & Trust in Ohio vs the state
0.0%Denial rate-17.69 pts vs state
0.0%Decision denial rate-21.89 pts vs state
87.5%Origination rate+27.60 pts vs state
—Median rate
—Rate spread (pts)
$86kMedian applicant income
7Loans originated
0Denied
Trend in Ohio
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2024 | 5 | 2 | 0.0% | — | #712 |
| 2025 | 8 | 7 | 0.0% | — | #641 |
What Southern Michigan Bank & Trust lends in Ohio
By loan purpose
By loan type
Where in Ohio
Counties with the most Southern Michigan Bank & Trust applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Williams County | 3 | 2 | 0 | 0.0% |
| Lucas County | 2 | 2 | 0 | 0.0% |
| Franklin County | 1 | 1 | 0 | 0.0% |
| Fulton County | 1 | 1 | 0 | 0.0% |
| Jefferson 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: 8 applications in 2025, of which 7 were originated and 0 denied.
0.0% of all applications, or 0.0% 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 Southern Michigan 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