Largest lenders in Adams County
| # | Lender | Grade | Applications | Originated | Denial rate | Median rate |
|---|---|---|---|---|---|---|
| 1 | First State Bank | B | 152 | 122 | 11.8% | 7.50% |
| 2 | Fifth Third Bank | D | 102 | 50 | 36.3% | 7.21% |
| 3 | Paramount Residential Mortgage Group | B | 51 | 36 | 3.9% | 6.69% |
| 4 | Rocket Mortgage | C | 44 | 25 | 31.8% | 6.63% |
| 5 | Vanderbilt Mortgage and Finance | F | 39 | 2 | 30.8% | 10.25% |
| 6 | Crosscountry Mortgage | B | 33 | 20 | 0.0% | 6.63% |
| 7 | United Shore Financial Services | B | 28 | 17 | 17.9% | 6.24% |
| 8 | Mortgage Research Center | C | 23 | 14 | 13.0% | 6.25% |
| 9 | Peoples Bank | C | 17 | 12 | 17.7% | 7.00% |
| 10 | Lower | C | 16 | 13 | 12.5% | 6.25% |
| 11 | Fairway Independent Mortgage | B | 16 | 9 | 0.0% | 6.62% |
| 12 | Newrez | D | 15 | 5 | 26.7% | 6.75% |
| 13 | Pennymac Loan Services | C | 14 | 8 | 7.1% | 6.43% |
| 14 | Farm Credit Mid-America | D | 14 | 12 | 0.0% | 7.06% |
| 15 | DAS Acquisition Company | B | 13 | 10 | 0.0% | 6.75% |
| 16 | Southern Hills Community Bank | – | 13 | 10 | 23.1% | — |
| 17 | Freedom Mortgage | B | 13 | 8 | 7.7% | 6.50% |
| 18 | AmeriSave Mortgage | D | 12 | 4 | 58.3% | 8.06% |
| 19 | The Huntington National Bank | D | 11 | 6 | 27.3% | 7.94% |
| 20 | Broker Solutions | D | 10 | 4 | 0.0% | 7.25% |
| 21 | Loandepot.Com | D | 9 | 5 | 22.2% | 6.25% |
| 22 | The Merchants National Bank | C | 9 | 7 | 0.0% | 7.25% |
| 23 | Atomic Credit Union | F | 8 | 3 | 50.0% | — |
| 24 | U.S. Bank | D | 7 | 3 | 42.9% | 8.60% |
| 25 | Union Home Mortgage | B | 7 | 3 | 0.0% | 6.88% |
Best approval odds in Adams County
Lowest decision denial rate among lenders that decided at least 50 applications here in 2025.
| # | Lender | Decided | Decision denial rate |
|---|---|---|---|
| 1 | First State Bank | 140 | 12.9% |
| 2 | Fifth Third Bank | 88 | 42.1% |
What Adams County borrowers applied for
By loan purpose
By loan type
Why applications were denied
Adams County by year
| Year | Applications | Originated | Denial rate | Median rate | Median loan |
|---|---|---|---|---|---|
| 2023 | 755 | 391 | 21.6% | 7.25% | $115,000 |
| 2024 | 891 | 498 | 21.8% | 7.25% | $115,000 |
| 2025 | 934 | 529 | 19.9% | 6.88% | $135,000 |
Frequently asked questions
19.9% of applications in Adams County were denied in 2025, against 17.7% statewide in Ohio.
First State Bank, with 152 applications in 2025 and a denial rate of 11.8%.
The median mortgage application in Adams County in 2025 was for $135,000; the median property value on originated loans was $225,000.