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Clark County, Ohio · 2025

Mortgage lenders in Clark County, OH: denial rates and top lenders (2025)

266 lenders acted on 5,579 mortgage applications for properties in Clark County in 2025. 19.7% were denied (Ohio: 17.7%). Median rate on closed loans 6.88%; median loan $135,000; median property value $225,000.

5.6kApplications
19.7%Denial ratestate 17.7%
6.88%Median ratestate 6.88%
$135,000Median loan
$225,000Median property value

Largest lenders in Clark County

#LenderGradeApplicationsOriginatedDenial rateMedian rate
1 Wright-Patt Credit Union C 737412 33.0%7.50%
2 The Huntington National Bank D 358205 25.1%7.53%
3 Rocket Mortgage C 331236 19.9%6.50%
4 Crosscountry Mortgage B 298217 2.4%6.83%
5 Fifth Third Bank D 19792 36.0%7.50%
6 The Park National Bank C 184133 14.1%7.13%
7 PNC Bank D 16297 24.1%7.44%
8 United Shore Financial Services B 14892 18.9%6.31%
9 Mortgage Research Center C 14365 20.3%6.25%
10 WesBanco Bank B 135103 10.4%6.00%
11 Vanderbilt Mortgage and Finance F 12555 10.4%5.49%
12 Loandepot.Com D 11895 8.5%6.75%
13 Newrez D 10542 26.7%6.75%
14 Primelending, a Plainscapital A 10074 14.0%6.75%
15 New Carlisle Federal Savings Bank A 9785 3.1%—
16 Pennymac Loan Services C 9659 11.5%6.13%
17 Union Savings Bank A 9479 5.3%6.75%
18 Freedom Mortgage B 8943 9.0%6.25%
19 U.S. Bank D 8434 51.2%8.05%
20 Coastal Community Bank C 6416 0.0%13.12%
21 AmeriSave Mortgage D 6021 56.7%8.00%
22 Broker Solutions D 5923 8.5%6.75%
23 First Community Mortgage A 5643 5.4%6.63%
24 Figure Lending C 4929 22.5%8.05%
25 NFM A 4837 2.1%6.88%

Best approval odds in Clark County

Lowest decision denial rate among lenders that decided at least 50 applications here in 2025.

#LenderDecidedDecision denial rate
1Coastal Community Bank550.0%
2Crosscountry Mortgage2283.1%
3New Carlisle Federal Savings Bank953.2%
4First Community Mortgage535.7%
5Union Savings Bank855.9%
6Loandepot.Com1079.4%
7WesBanco Bank12111.6%
8Freedom Mortgage5714.0%
9Primelending, a Plainscapital9315.1%
10Pennymac Loan Services7015.7%

What Clark County borrowers applied for

By loan purpose

Home purchase 2,423 43% · 9.4% denied
Refinance 857 15% · 18.3% denied
Cash-out refinance 941 17% · 22.0% denied
Home improvement 722 13% · 39.1% denied
Other / HELOC 636 11% · 34.9% denied

By loan type

Conventional 3,982 71% · 21.5% denied
FHA 998 18% · 16.9% denied
VA 555 10% · 12.3% denied
USDA / RHS 44 1% · 9.1% denied

Why applications were denied

Credit history 350 32%
Debt-to-income ratio 312 29%
Incomplete application 166 15%
Collateral 141 13%
Other 71 6%
Insufficient cash 24 2%
Unverifiable information 19 2%
Employment history 10 1%

Clark County by year

YearApplicationsOriginatedDenial rateMedian rateMedian loan
20234,4052,53421.9%7.25%$105,000
20244,8702,95619.5%7.13%$125,000
20255,5793,30919.7%6.88%$135,000

Frequently asked questions

19.7% of applications in Clark County were denied in 2025, against 17.7% statewide in Ohio.

Wright-Patt Credit Union, with 737 applications in 2025 and a denial rate of 33.0%.

The median mortgage application in Clark County in 2025 was for $135,000; the median property value on originated loans was $225,000.