In eight seasons as head football coach for Otterbein University, his previous head coaching job, he compiled a record of 46–35, including a 7–3 (6–3 OAC) record in 2005—the first winning season for Otterbein since 1999 and only the second since 1982. That year they also beat their rival, Capital University, who had qualified for the NCAA Division III playoffs. He has the highest winning percentage in Otterbein history for any coach who has coached at least three seasons. The Cardinals finished second in the OAC in 2009, 8–2 overall and 7–2. In 2008 they went 9–2 overall and 8–1 in the OAC. They advanced to the NCAA Division III Football Playoffs for the first time in school history. Loth was named "OAC Football Coach of the Year" for the second time in his career and was named Ohio Division III Coach of the Year by OhioFootball.Com.
Loth played college football at Otterbein from 1987 to 1990, lettering all four seasons and a starter for three. In his senior season he garnered Ohio Athletic Conference Second Team honors and is still the school's all-time leader in interceptions (13).