The Ohio Valley Bank in Ohio vs the state
6.2%Denial rate-11.47 pts vs state
6.7%Decision denial rate-15.19 pts vs state
86.7%Origination rate+26.82 pts vs state
6.63%Median rate-0.25 pts vs state
-0.24Rate spread (pts)-0.63 pts vs state
$106kMedian applicant income
209Loans originated
15Denied
Trend in Ohio
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 233 | 207 | 5.6% | 6.75% | #199 |
| 2024 | 179 | 159 | 6.7% | 6.75% | #233 |
| 2025 | 241 | 209 | 6.2% | 6.63% | #214 |
What The Ohio Valley Bank lends in Ohio
By loan purpose
By loan type
Why it denied Ohio applicants
Where in Ohio
Counties with the most The Ohio Valley Bank applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Pike County | 71 | 68 | 2 | 2.8% |
| Gallia County | 49 | 41 | 3 | 6.1% |
| Jackson County | 41 | 32 | 5 | 12.2% |
| Lawrence County | 27 | 21 | 4 | 14.8% |
| Scioto County | 13 | 9 | 1 | 7.7% |
| Vinton County | 6 | 6 | 0 | 0.0% |
| Ross County | 6 | 6 | 0 | 0.0% |
| Franklin County | 4 | 4 | 0 | 0.0% |
| Delaware County | 4 | 3 | 0 | 0.0% |
| Hamilton County | 3 | 3 | 0 | 0.0% |
Other large lenders in Ohio
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| The Huntington National Bank | D | 42,683 | 25.8% | 7.59% |
| Rocket Mortgage | C | 23,165 | 18.5% | 6.63% |
| Fifth Third Bank | D | 21,939 | 25.6% | 7.50% |
| Crosscountry Mortgage | B | 16,066 | 3.1% | 6.75% |
| United Shore Financial Services | B | 14,626 | 13.1% | 6.45% |
| Third Federal Savings and Loan Association of Cleveland | C | 12,622 | 23.0% | 6.74% |
| PNC Bank | D | 11,607 | 24.6% | 7.40% |
| Wright-Patt Credit Union | C | 8,791 | 28.1% | 7.50% |
| U.S. Bank | D | 8,623 | 38.0% | 7.60% |
| Citizens Bank | C | 7,775 | 24.3% | 7.65% |
Frequently asked questions
Ohio: 241 applications in 2025, of which 209 were originated and 15 denied.
6.2% of all applications, or 6.7% of the applications it actually decided on. The Ohio statewide average across all lenders was 17.7%.
The median rate on loans The Ohio Valley Bank originated in Ohio in 2025 was 6.63%, against a statewide median of 6.88%.
About this data. Figures are The Ohio Valley Bank's own HMDA filing for properties located in Ohio, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology