The North Side Bank & Trust Company mortgage approval rate & lending review
The North Side Bank & Trust Company decided 1,146 mortgage applications and funded 929 loans across the 616 counties Fat Boy Data covers, 2023–2025.
These are the decisions The North Side Bank & Trust Company reported under the Home Mortgage Disclosure Act, not its advertised interest rates.
The North Side Bank & Trust Company at a glance
Approval is 12.8 points above the 73.4% national rate for the same mix of loan types.
Approval rates by loan type
| Loan type | Approval | Approved | Taken up | Typical loan | Loans made |
|---|---|---|---|---|---|
| Mortgage lenders | 97% | 328 / 337 | 95% | $165K | 311 |
| Home improvement loans | 78% | 403 / 514 | 94% | $55K | 378 |
| Refinance | 88% | 218 / 248 | 95% | $185K | 207 |
The North Side Bank & Trust Company lending by state
Fat Boy Data covers 616 counties, 79.6% of the US population, not every county in every state. States with fewer than 20 decisions are not listed.Methodology.
Where The North Side Bank & Trust Company lends most
| County | Loan type | Approval | Decided | Loans made |
|---|---|---|---|---|
| Hamilton County, OH | Home improvement loans | 76% | 432 | 306 |
| Hamilton County, OH | Mortgage lenders | 97% | 236 | 216 |
| Hamilton County, OH | Refinance | 88% | 186 | 155 |
| Warren County, OH | Mortgage lenders | 97% | 32 | 29 |
| Butler County, OH | Refinance | 87% | 31 | 27 |
| Clermont County, OH | Home improvement loans | 87% | 23 | 20 |
The county markets where The North Side Bank & Trust Company made the most loans. Each link opens that market with every lender ranked.
Questions about The North Side Bank & Trust Company
What is The North Side Bank & Trust Company's mortgage approval rate?
The North Side Bank & Trust Company approved 86.2% of the 1,146 mortgage applications it decided across the 616 counties Fat Boy Data covers, 2023–2025, 12.8 points above the 73.4% national rate for the same mix of loan types.
How often do borrowers take the loan The North Side Bank & Trust Company offers?
Borrowers accepted 94% of the loans The North Side Bank & Trust Company approved, against 93% for all home improvement loan lenders nationally. A low take-up usually means the approved terms were not competitive.
What size loans does The North Side Bank & Trust Company make?
The typical home improvement loan loan The North Side Bank & Trust Company made was $55K; across all loan types its typical loan ran from $55K to $185K. HMDA reports amounts in $10,000 brackets, so these are midpoints.
Where does The North Side Bank & Trust Company lend?
The North Side Bank & Trust Company decided applications in 4 of the states Fat Boy Data covers, most of them in Ohio, Kentucky and Florida.
Can I apply to The North Side Bank & Trust Company directly?
Yes. The North Side Bank & Trust Company reports as a direct lender that takes applications from borrowers.
Does this page show The North Side Bank & Trust Company's interest rates?
No. HMDA filings record who applied, who was approved and how much was borrowed, not the rate offered. Use the approval rate and take-up here to judge how The North Side Bank & Trust Company treats applications, then get a rate quote from the lender.