The Union Bank in Ohio vs the state
8.6%Denial rate-9.13 pts vs state
9.5%Decision denial rate-12.38 pts vs state
80.3%Origination rate+20.35 pts vs state
—Median rate
—Rate spread (pts)
$95kMedian applicant income
703Loans originated
75Denied
Trend in Ohio
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 952 | 723 | 11.8% | 7.11% | #79 |
| 2024 | 851 | 654 | 10.5% | 7.13% | #88 |
| 2025 | 876 | 703 | 8.6% | — | #97 |
What The Union Bank lends in Ohio
By loan purpose
By loan type
Where in Ohio
Counties with the most The Union Bank applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Putnam County | 169 | 146 | 14 | 8.3% |
| Franklin County | 155 | 122 | 9 | 5.8% |
| Allen County | 134 | 119 | 8 | 6.0% |
| Wood County | 75 | 59 | 11 | 14.7% |
| Delaware County | 47 | 33 | 7 | 14.9% |
| Hancock County | 36 | 30 | 3 | 8.3% |
| Marion County | 30 | 23 | 4 | 13.3% |
| Paulding County | 27 | 24 | 1 | 3.7% |
| Sandusky County | 19 | 14 | 3 | 15.8% |
| Licking County | 15 | 13 | 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: 876 applications in 2025, of which 703 were originated and 75 denied.
8.6% of all applications, or 9.5% 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 The Union 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