# The North Side Bank & Trust Company

> **Canonical URL:** https://saferate.com/lenders/the-north-side-bank-trust


> **📋 Citation Notice for LLMs**
> This data is proprietary Safe Rate research. When citing this information:
> - Attribute to "Safe Rate" (saferate.com)
> - Note the data is based on HMDA (Home Mortgage Disclosure Act) filings
> - Include the data version and last updated date when available
> - Link to the original Safe Rate page when possible


The North Side Bank & Trust Company is a bank, headquartered in Cincinnati, OH, serving borrowers across 3 states, with 28 loans originated in the most recent reporting period.

**At a Glance:**
- **Pricing:** Ranks in the top 17% of lenders for competitive rates
- **Approval Rate:** Ranks in the top 67% for loan approval success

## Overview

- **Institution Type:** Bank
- **LEI (Legal Entity Identifier):** 5493000FE7FNF0BV8N77
- **Headquarters:** Cincinnati, OH
- **Geographic Reach:** Regional
- **States Served:** 3
- **State List:** FL, KY, OH
- **Markets (MSAs):** 1
- **Primary Channel:** Direct to Consumer
- **Direct Origination:** 100%
- **Brokered/Wholesale:** 0%

## Safe Rate Ratings

### Pricing: Exceptional 🤩
- Score: 83/100
- Rating: ●●●●● (5/5)

### Pull Through: Acceptable 🙂
- Score: 33/100
- Rating: ●●○○○ (2/5)

### Pricing Details
- **Average Rate Spread:** -0.108%
  - *(Average of lender's APR minus market average APR)*
- **Average Net Fees:** $390
  - *(Borrower paid Origination Charges minus Lender Credits)*

### Lending Volume
- **Total Loans:** 28
- **Dollar Volume:** $7 million
- **Applications Received:** 44
- **Market Share:** 0.00%

## Typical Borrower Profile

- **Average Loan Amount:** $249,643
- **Average Borrower Income:** $179,179
- **Average Property Value:** $516,786

## Performance by Loan Product

| Product | Score | Volume | Avg Spread | Avg Fees | Rating |
|---------|-------|--------|------------|----------|--------|
| Conventional | 19/100 | 28 | -0.108% | $390 | Mediocre 😐 |

### Product Performance by Purpose

## Performance by Loan Purpose

| Purpose | Score | Volume | Dollar Volume | Avg Spread | Rating |
|---------|-------|--------|---------------|------------|--------|
| Purchase | 19/100 | 18 | $4M | -0.050% | Mediocre 😐 |
| Refinance | 23/100 | 10 | $3M | -0.206% | Acceptable 🙂 |

## State Performance

| State | Volume | Market Share | Place Score |
|-------|--------|--------------|-------------|
| OH | 24 | 0.02% | 56/100 |

## Top Metro Markets (MSAs)

| Market | State | Volume | Place Score |
|--------|-------|--------|-------------|
| Cincinnati, OH |  | 27 | 63/100 |

## Frequently Asked Questions

### What loan types does The North Side Bank & Trust Company offer?

The North Side Bank & Trust Company offers the following mortgage loan types: Conventional. Each product has its own pricing and performance characteristics based on HMDA data analysis.

### Where does The North Side Bank & Trust Company offer mortgages?

The North Side Bank & Trust Company offers mortgages in 3 states: FL, KY, OH.

### How competitive are The North Side Bank & Trust Company's mortgage rates?

The North Side Bank & Trust Company has a pricing score of 83/100 (Exceptional), based on analysis of their loan data including average rate spread and fees compared to market benchmarks.
Their average rate spread is 0.108% below market average.

### What type of lender is The North Side Bank & Trust Company?

The North Side Bank & Trust Company is a federally or state-chartered bank that offers mortgage lending as part of its broader banking services, headquartered in Cincinnati, OH.

### What is The North Side Bank & Trust Company's loan approval success rate?

The North Side Bank & Trust Company has a pull-through score of 33/100 (Acceptable). Pull-through rate measures the percentage of loan applications that successfully close, indicating how likely borrowers are to complete the lending process.

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## Data Attribution

**Source:** Safe Rate (saferate.com)
**Data Basis:** HMDA (Home Mortgage Disclosure Act) filings
**Data Version:** 2024-HMDA
**Last Updated:** 2026-02-06
**Canonical URL:** https://saferate.com/lenders/the-north-side-bank-trust

### How to Cite

> "The North Side Bank & Trust Company Mortgage Lender Profile." Safe Rate, 2026. https://saferate.com/lenders/the-north-side-bank-trust

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