The Vinton County National Bank in Ohio vs the state
14.7%Denial rate-3.00 pts vs state
14.9%Decision denial rate-7.03 pts vs state
72.7%Origination rate+12.78 pts vs state
7.25%Median rate+0.38 pts vs state
0.18Rate spread (pts)-0.21 pts vs state
$104kMedian applicant income
673Loans originated
136Denied
Trend in Ohio
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 880 | 646 | 15.8% | 7.88% | #84 |
| 2024 | 847 | 601 | 18.3% | 8.00% | #89 |
| 2025 | 926 | 673 | 14.7% | 7.25% | #92 |
What The Vinton County National Bank lends in Ohio
By loan purpose
By loan type
Why it denied Ohio applicants
Where in Ohio
Counties with the most The Vinton County National Bank applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Fairfield County | 192 | 148 | 23 | 12.0% |
| Ross County | 161 | 120 | 24 | 14.9% |
| Hocking County | 91 | 64 | 14 | 15.4% |
| Jackson County | 89 | 59 | 12 | 13.5% |
| Vinton County | 73 | 52 | 14 | 19.2% |
| Pickaway County | 73 | 57 | 7 | 9.6% |
| Franklin County | 55 | 43 | 4 | 7.3% |
| Perry County | 47 | 32 | 10 | 21.3% |
| Licking County | 40 | 28 | 7 | 17.5% |
| Athens County | 28 | 16 | 7 | 25.0% |
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: 926 applications in 2025, of which 673 were originated and 136 denied.
14.7% of all applications, or 14.9% of the applications it actually decided on. The Ohio statewide average across all lenders was 17.7%.
The median rate on loans The Vinton County National Bank originated in Ohio in 2025 was 7.25%, against a statewide median of 6.88%.
About this data. Figures are The Vinton County National 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