The State Bank and Trust in Ohio vs the state
8.8%Denial rate-8.87 pts vs state
10.5%Decision denial rate-11.44 pts vs state
74.0%Origination rate+14.07 pts vs state
6.50%Median rate-0.38 pts vs state
-0.05Rate spread (pts)-0.44 pts vs state
$98kMedian applicant income
1,023Loans originated
122Denied
Trend in Ohio
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 1,111 | 828 | 10.4% | 6.88% | #65 |
| 2024 | 1,214 | 932 | 9.6% | 6.63% | #71 |
| 2025 | 1,383 | 1,023 | 8.8% | 6.50% | #67 |
What The State Bank and Trust lends in Ohio
By loan purpose
By loan type
Why it denied Ohio applicants
Where in Ohio
Counties with the most The State Bank and Trust applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Franklin County | 286 | 232 | 18 | 6.3% |
| Williams County | 149 | 106 | 15 | 10.1% |
| Defiance County | 127 | 105 | 8 | 6.3% |
| Paulding County | 121 | 90 | 12 | 9.9% |
| Fulton County | 104 | 80 | 8 | 7.7% |
| Delaware County | 85 | 65 | 5 | 5.9% |
| Lucas County | 84 | 46 | 13 | 15.5% |
| Allen County | 68 | 44 | 9 | 13.2% |
| Wood County | 54 | 42 | 0 | 0.0% |
| Hamilton County | 39 | 30 | 1 | 2.6% |
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: 1,383 applications in 2025, of which 1,023 were originated and 122 denied.
8.8% 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 State Bank and Trust originated in Ohio in 2025 was 6.50%, against a statewide median of 6.88%.
About this data. Figures are The State Bank and 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