The North Side Bank & Trust Company
The North Side Bank & Trust Company received 533 applications in 2025 and made 434 mortgages, in 9 counties across 3 states. The median rate its borrowers got was 7.000% on a median loan of $135,000. Of 520 decisions, 55 were denials — 10.6%, most often for debt-to-income ratio.
| Legal Entity Identifier | 5493000FE7FNF0BV8N77 |
|---|---|
| Applications received | 533 |
| Mortgages made | 434 |
| Denied | 55 |
| Approved, not taken up | 31 |
| Withdrawn or incomplete | 13 |
| Loans bought from other lenders | 0 |
| Median rate spread over the prime offer rate | -0.26 points |
| FDIC-insured bank | Yes: The North Side Bank and Trust Company, 9 offices |
By loan purpose
| Purpose | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| Home purchase | 138 | 7.000% | $205,000 | 2.7% |
| Refinancing | 98 | 6.750% | $205,000 | 13.5% |
| Other purposes | 198 | 7.000% | $70,000 | 14.0% |
Where The North Side Bank & Trust Company lends most
The 9 counties where it made the most mortgages in 2025. Each county page ranks every lender there.
| County | Mortgages made | Median rate | Denied |
|---|---|---|---|
| Hamilton County, OH | 312 | 7.000% | 11.8% |
| Butler County, OH | 39 | 7.000% | 4.6% |
| Clermont County, OH | 25 | 7.000% | 7.4% |
| Warren County, OH | 25 | 7.000% | 3.7% |
| Kenton County, KY | 14 | 7.000% | 11.1% |
| Campbell County, KY | 9 | Under 10 loans | 25.0% |
| Dearborn County, IN | 5 | Under 10 loans | 0.0% |
| Boone County, KY | 5 | Under 10 loans | 0.0% |
| Ripley County, IN | 0 | Under 10 loans | 0.0% |
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When The North Side Bank & Trust Company’s figures are published for the next year, or restated.
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Counts, medians and denial shares are computed from the Home Mortgage Disclosure Act loan-level file for 2025, published by the Consumer Financial Protection Bureau through the FFIEC: every application a covered lender received, as the lender reported it. A median rate is what borrowers got, not what you will be offered — it depends on the loan, the property, your credit and the market on the day, and no figure here is a quote. A median over fewer than 10 loans is not shown: it is a number with no meaning and a real person's rate half-exposed. Those cells say "under 10 loans" and the count is still published. This is information, not advice, and no lender pays to appear.