Ohio · HMDA 2025
Mortgage lenders in Ross County, OH
185 lenders reported 2,967 home-loan applications in Ross County in 2025. 1,492 closed as loans ($269.6M), 532 were denied — a 25.1% denial rate on decided applications, above the Ohio rate of 21.7%. The three most active lenders handled 20% of applications, led by GUARANTEED RATE, INC.. 13 lenders in the list are banks or credit unions with a TellerScore profile.
- Applications
- 2,967
- Loans originated
- 1,492
- Purchase / refinance
- 779 / 434
- 30-yr rate (national)
- 7.40%week of Oct 15, 2026
Lenders ranked by applications in Ross County
| # | Lender | Applications here | Share | Nationwide denial rate |
|---|---|---|---|---|
| 1 | GUARANTEED RATE, INC. | 240 | 8.1% | — |
| 2 | The Huntington National Bank 59 out of 100, Moderate | 187 | 6.3% | 31.6% |
| 3 | THE VINTON COUNTY NATIONAL BANK 73 out of 100, Strong | 161 | 5.4% | 14.8% |
| 4 | VANDERBILT MORTGAGE AND FINANCE, INC. | 127 | 4.3% | — |
| 5 | Fifth Third Bank, National Association 62 out of 100, Moderate | 119 | 4.0% | 34.0% |
| 6 | PENNYMAC LOAN SERVICES, LLC | 115 | 3.9% | — |
| 7 | Rocket Mortgage, LLC | 112 | 3.8% | — |
| 8 | GOLD STAR MORTGAGE FINANCIAL GROUP, CORPORATION | 104 | 3.5% | — |
| 9 | UNITED SHORE FINANCIAL SERVICES, LLC | 94 | 3.2% | — |
| 10 | U.S. Bank National Association 55 out of 100, Moderate | 94 | 3.2% | 39.5% |
| 11 | ATOMIC CREDIT UNION, INC. 64 out of 100, Moderate | 89 | 3.0% | 42.9% |
| 12 | Kingston National Bank 66 out of 100, Moderate | 66 | 2.2% | 13.1% |
| 13 | WesBanco Bank, Inc. 66 out of 100, Moderate | 64 | 2.2% | 20.1% |
| 14 | UNION HOME MORTGAGE CORP. | 63 | 2.1% | — |
| 15 | Mortgage Research Center, LLC | 60 | 2.0% | — |
| 16 | AMERICAN NEIGHBORHOOD MORTGAGE ACCEPTANCE COMPANY LLC | 52 | 1.8% | — |
| 17 | PNC Bank, National Association 62 out of 100, Moderate | 51 | 1.7% | 33.8% |
| 18 | FREEDOM MORTGAGE CORPORATION | 49 | 1.7% | — |
| 19 | JPMorgan Chase Bank, National Association 61 out of 100, Moderate | 43 | 1.4% | 14.1% |
| 20 | CROSSCOUNTRY MORTGAGE, INC. | 43 | 1.4% | — |
| 21 | 21st Mortgage Corporation | 38 | 1.3% | — |
| 22 | NEWREZ LLC | 37 | 1.2% | — |
| 23 | AMERIHOME MORTGAGE COMPANY, LLC | 36 | 1.2% | — |
| 24 | Loandepot.Com, LLC | 33 | 1.1% | — |
| 25 | NATIONSTAR MORTGAGE LLC | 32 | 1.1% | — |
| 26 | TRIAD FINANCIAL SERVICES, INC. | 31 | 1.0% | — |
| 27 | PLANET HOME LENDING, LLC | 29 | 1.0% | — |
| 28 | LCNB National Bank 68 out of 100, Moderate | 29 | 1.0% | 7.4% |
| 29 | Broker Solutions, Inc. | 27 | 0.9% | — |
| 30 | HOMELAND CREDIT UNION, INC. 82 out of 100, Strong | 27 | 0.9% | 33.3% |
| 31 | AmeriSave Mortgage Corporation | 25 | 0.8% | — |
| 32 | VILLAGE CAPITAL & INVESTMENT LLC | 25 | 0.8% | — |
| 33 | FIGURE LENDING LLC | 24 | 0.8% | — |
| 34 | NFM, INC. | 21 | 0.7% | — |
| 35 | NEW DAY FINANCIAL, LLC | 20 | 0.7% | — |
| 36 | Coastal Community Bank 35 out of 100, Low | 20 | 0.7% | 3.0% |
| 37 | PHH Mortgage Corporation | 18 | 0.6% | — |
| 38 | UNIVERSAL 1 CREDIT UNION 68 out of 100, Moderate | 17 | 0.6% | 9.8% |
| 39 | LAKEVIEW LOAN SERVICING, LLC | 16 | 0.5% | — |
| 40 | CARRINGTON MORTGAGE SERVICES, LLC | 16 | 0.5% | — |
Top 40 of 185 lenders shown. Denial rates are each lender's nationwide figure for 2025, available for banks and credit unions we profile.
Other counties in Ohio
- Franklin County 55,668 apps
- Cuyahoga County 54,642 apps
- Hamilton County 35,621 apps
- Summit County 24,436 apps
- Montgomery County 24,256 apps
- Butler County 17,927 apps
- Lorain County 16,482 apps
- Stark County 16,469 apps
- Lucas County 16,378 apps
- Warren County 13,469 apps
- Delaware County 13,326 apps
- Clermont County 11,684 apps