The Central Trust Bank in Ohio vs the state
7.1%Denial rate-10.55 pts vs state
16.7%Decision denial rate-5.22 pts vs state
35.7%Origination rate-24.19 pts vs state
6.49%Median rate-0.38 pts vs state
0.13Rate spread (pts)-0.25 pts vs state
$170kMedian applicant income
5Loans originated
1Denied
Trend in Ohio
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 29 | 13 | 0.0% | 6.50% | #475 |
| 2024 | 13 | 9 | 0.0% | 6.62% | #566 |
| 2025 | 14 | 5 | 7.1% | 6.49% | #576 |
What The Central Trust Bank lends in Ohio
By loan purpose
By loan type
Why it denied Ohio applicants
Where in Ohio
Counties with the most The Central Trust Bank applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Delaware County | 2 | 0 | 0 | 0.0% |
| Cuyahoga County | 2 | 1 | 0 | 0.0% |
| Franklin County | 2 | 1 | 0 | 0.0% |
| Lorain County | 1 | 0 | 0 | 0.0% |
| Warren County | 1 | 1 | 0 | 0.0% |
| Richland County | 1 | 1 | 0 | 0.0% |
| Geauga County | 1 | 0 | 0 | 0.0% |
| Guernsey County | 1 | 0 | 0 | 0.0% |
| Butler County | 1 | 1 | 0 | 0.0% |
| Sandusky County | 1 | 0 | 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: 14 applications in 2025, of which 5 were originated and 1 denied.
7.1% of all applications, or 16.7% of the applications it actually decided on. The Ohio statewide average across all lenders was 17.7%.
The median rate on loans The Central Trust Bank originated in Ohio in 2025 was 6.49%, against a statewide median of 6.88%.
About this data. Figures are The Central Trust 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