Unified Bank in Ohio vs the state
13.6%Denial rate-4.10 pts vs state
14.7%Decision denial rate-7.18 pts vs state
70.1%Origination rate+10.21 pts vs state
—Median rate
—Rate spread (pts)
$62kMedian applicant income
129Loans originated
25Denied
Trend in Ohio
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 189 | 148 | 9.0% | — | #229 |
| 2024 | 169 | 126 | 11.8% | — | #241 |
| 2025 | 184 | 129 | 13.6% | — | #249 |
What Unified Bank lends in Ohio
By loan purpose
By loan type
Where in Ohio
Counties with the most Unified Bank applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Belmont County | 73 | 55 | 6 | 8.2% |
| Jefferson County | 27 | 18 | 3 | 11.1% |
| Fairfield County | 14 | 9 | 2 | 14.3% |
| Harrison County | 10 | 7 | 1 | 10.0% |
| Tuscarawas County | 10 | 7 | 2 | 20.0% |
| Carroll County | 9 | 6 | 2 | 22.2% |
| Stark County | 8 | 7 | 0 | 0.0% |
| Athens County | 8 | 3 | 4 | 50.0% |
| Summit County | 4 | 4 | 0 | 0.0% |
| Ashtabula County | 3 | 1 | 2 | 66.7% |
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: 184 applications in 2025, of which 129 were originated and 25 denied.
13.6% of all applications, or 14.7% 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 Unified 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