United Trust Bank in Ohio vs the state
13.0%Denial rate-4.74 pts vs state
13.3%Decision denial rate-8.56 pts vs state
83.5%Origination rate+23.55 pts vs state
6.63%Median rate-0.25 pts vs state
0.60Rate spread (pts)+0.21 pts vs state
$78kMedian applicant income
116Loans originated
18Denied
Trend in Ohio
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2024 | 33 | 31 | 3.0% | 6.63% | #455 |
| 2025 | 139 | 116 | 13.0% | 6.63% | #284 |
What United Trust Bank lends in Ohio
By loan purpose
By loan type
Why it denied Ohio applicants
Where in Ohio
Counties with the most United Trust Bank applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Wayne County | 41 | 38 | 2 | 4.9% |
| Stark County | 11 | 11 | 0 | 0.0% |
| Ashland County | 8 | 8 | 0 | 0.0% |
| Lorain County | 7 | 6 | 1 | 14.3% |
| Lucas County | 6 | 4 | 2 | 33.3% |
| Franklin County | 5 | 4 | 1 | 20.0% |
| Cuyahoga County | 5 | 5 | 0 | 0.0% |
| Trumbull County | 4 | 4 | 0 | 0.0% |
| Summit County | 3 | 3 | 0 | 0.0% |
| Hamilton County | 3 | 2 | 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: 139 applications in 2025, of which 116 were originated and 18 denied.
13.0% of all applications, or 13.3% of the applications it actually decided on. The Ohio statewide average across all lenders was 17.7%.
The median rate on loans United Trust Bank originated in Ohio in 2025 was 6.63%, against a statewide median of 6.88%.
About this data. Figures are United 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