Largest lenders in Brown County
| # | Lender | Grade | Applications | Originated | Denial rate | Median rate |
|---|---|---|---|---|---|---|
| 1 | Fifth Third Bank | D | 145 | 74 | 29.7% | 7.75% |
| 2 | First State Bank | B | 132 | 91 | 20.5% | 7.50% |
| 3 | Crosscountry Mortgage | B | 117 | 72 | 1.7% | 6.72% |
| 4 | Rocket Mortgage | C | 95 | 66 | 21.1% | 6.63% |
| 5 | Peoples Bank | C | 92 | 61 | 23.9% | 7.24% |
| 6 | United Shore Financial Services | B | 64 | 45 | 12.5% | 6.38% |
| 7 | Fairway Independent Mortgage | B | 61 | 40 | 1.6% | 6.75% |
| 8 | U.S. Bank | D | 57 | 21 | 50.9% | 6.88% |
| 9 | Vanderbilt Mortgage and Finance | F | 51 | 6 | 35.3% | 9.37% |
| 10 | Superior Credit Union | D | 45 | 29 | 15.6% | 7.25% |
| 11 | Mortgage Research Center | C | 34 | 14 | 29.4% | 6.63% |
| 12 | The Merchants National Bank | C | 34 | 25 | 11.8% | 7.50% |
| 13 | Freedom Mortgage | B | 32 | 14 | 3.1% | 6.25% |
| 14 | Dhi Mortgage Company | B | 32 | 21 | 15.6% | 5.38% |
| 15 | Loandepot.Com | D | 31 | 18 | 29.0% | 6.53% |
| 16 | Newrez | D | 28 | 9 | 28.6% | 6.13% |
| 17 | The Park National Bank | C | 26 | 20 | 15.4% | 7.25% |
| 18 | Pennymac Loan Services | C | 25 | 10 | 16.0% | 6.06% |
| 19 | DAS Acquisition Company | B | 25 | 23 | 0.0% | 6.75% |
| 20 | The Huntington National Bank | D | 25 | 17 | 24.0% | 7.00% |
| 21 | 21st Mortgage | F | 23 | 9 | 39.1% | 9.09% |
| 22 | Broker Solutions | D | 23 | 8 | 8.7% | 6.88% |
| 23 | Farm Credit Mid-America | D | 23 | 16 | 4.4% | 6.88% |
| 24 | RiverHills Bank | C | 22 | 15 | 22.7% | 6.63% |
| 25 | Paramount Residential Mortgage Group | B | 22 | 14 | 0.0% | 6.75% |
Best approval odds in Brown County
Lowest decision denial rate among lenders that decided at least 50 applications here in 2025.
| # | Lender | Decided | Decision denial rate |
|---|---|---|---|
| 1 | Crosscountry Mortgage | 80 | 2.5% |
| 2 | United Shore Financial Services | 53 | 15.1% |
| 3 | First State Bank | 121 | 22.3% |
| 4 | Rocket Mortgage | 87 | 23.0% |
| 5 | Peoples Bank | 89 | 24.7% |
| 6 | Fifth Third Bank | 118 | 36.4% |
| 7 | U.S. Bank | 51 | 56.9% |
What Brown County borrowers applied for
By loan purpose
By loan type
Why applications were denied
Brown County by year
| Year | Applications | Originated | Denial rate | Median rate | Median loan |
|---|---|---|---|---|---|
| 2023 | 1,515 | 872 | 19.8% | 7.00% | $135,000 |
| 2024 | 1,725 | 1,016 | 19.0% | 7.00% | $155,000 |
| 2025 | 2,071 | 1,158 | 19.4% | 6.87% | $155,000 |
Frequently asked questions
19.4% of applications in Brown County were denied in 2025, against 17.7% statewide in Ohio.
Fifth Third Bank, with 145 applications in 2025 and a denial rate of 29.7%.
The median mortgage application in Brown County in 2025 was for $155,000; the median property value on originated loans was $265,000.