University Bank in Ohio vs the state
21.1%Denial rate+3.36 pts vs state
21.1%Decision denial rate-0.84 pts vs state
79.0%Origination rate+19.05 pts vs state
—Median rate
—Rate spread (pts)
$154kMedian applicant income
15Loans originated
4Denied
Trend in Ohio
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 6 | 5 | 0.0% | 6.88% | #691 |
| 2024 | 11 | 9 | 0.0% | — | #588 |
| 2025 | 19 | 15 | 21.1% | — | #537 |
What University Bank lends in Ohio
By loan purpose
By loan type
Why it denied Ohio applicants
Where in Ohio
Counties with the most University Bank applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Hamilton County | 2 | 2 | 0 | 0.0% |
| Portage County | 2 | 1 | 1 | 50.0% |
| Stark County | 1 | 1 | 0 | 0.0% |
| Montgomery County | 1 | 1 | 0 | 0.0% |
| Cuyahoga County | 1 | 1 | 0 | 0.0% |
| Butler County | 1 | 1 | 0 | 0.0% |
| Shelby County | 1 | 1 | 0 | 0.0% |
| Auglaize County | 1 | 0 | 1 | 100.0% |
| Greene County | 1 | 1 | 0 | 0.0% |
| Clermont County | 1 | 1 | 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: 19 applications in 2025, of which 15 were originated and 4 denied.
21.1% of all applications, or 21.1% 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 University 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