The North Side Bank & Trust in Ohio vs the state
10.2%Denial rate-7.51 pts vs state
10.5%Decision denial rate-11.43 pts vs state
81.7%Origination rate+21.77 pts vs state
7.00%Median rate+0.13 pts vs state
-0.26Rate spread (pts)-0.65 pts vs state
$164kMedian applicant income
401Loans originated
50Denied
Trend in Ohio
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 528 | 412 | 15.3% | 7.50% | #109 |
| 2024 | 507 | 391 | 14.0% | 8.00% | #118 |
| 2025 | 491 | 401 | 10.2% | 7.00% | #140 |
What The North Side Bank & Trust lends in Ohio
By loan purpose
By loan type
Why it denied Ohio applicants
Where in Ohio
Counties with the most The North Side Bank & Trust applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Hamilton County | 389 | 312 | 45 | 11.6% |
| Butler County | 45 | 39 | 2 | 4.4% |
| Warren County | 30 | 25 | 1 | 3.3% |
| Clermont County | 27 | 25 | 2 | 7.4% |
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: 491 applications in 2025, of which 401 were originated and 50 denied.
10.2% of all applications, or 10.5% of the applications it actually decided on. The Ohio statewide average across all lenders was 17.7%.
The median rate on loans The North Side Bank & Trust originated in Ohio in 2025 was 7.00%, against a statewide median of 6.88%.
About this data. Figures are The North Side 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