Largest lenders in Clinton County
| # | Lender | Grade | Applications | Originated | Denial rate | Median rate |
|---|---|---|---|---|---|---|
| 1 | Wright-Patt Credit Union | C | 157 | 97 | 29.9% | 7.50% |
| 2 | Loandepot.Com | D | 115 | 92 | 8.7% | 6.49% |
| 3 | Peoples Bank | C | 94 | 75 | 13.8% | 7.49% |
| 4 | Fifth Third Bank | D | 92 | 50 | 29.4% | 7.69% |
| 5 | Rocket Mortgage | C | 75 | 52 | 18.7% | 6.99% |
| 6 | The Huntington National Bank | D | 54 | 32 | 27.8% | 7.11% |
| 7 | United Shore Financial Services | B | 51 | 35 | 7.8% | 6.13% |
| 8 | Crosscountry Mortgage | B | 45 | 26 | 0.0% | 6.60% |
| 9 | Union Savings Bank | A | 43 | 36 | 4.7% | 6.88% |
| 10 | Dhi Mortgage Company | B | 40 | 24 | 17.5% | 4.50% |
| 11 | Mortgage Research Center | C | 39 | 19 | 18.0% | 6.25% |
| 12 | Figure Lending | C | 30 | 16 | 10.0% | 8.55% |
| 13 | The Merchants National Bank | C | 29 | 26 | 3.5% | 6.69% |
| 14 | 1st National Bank | A | 26 | 18 | 0.0% | 6.50% |
| 15 | PNC Bank | D | 25 | 13 | 40.0% | 7.40% |
| 16 | Newrez | D | 24 | 10 | 12.5% | 6.75% |
| 17 | U.S. Bank | D | 22 | 13 | 27.3% | 6.88% |
| 18 | Freedom Mortgage | B | 22 | 11 | 4.6% | 6.25% |
| 19 | Pennymac Loan Services | C | 21 | 12 | 9.5% | 5.99% |
| 20 | DAS Acquisition Company | B | 20 | 19 | 0.0% | 6.75% |
| 21 | First Financial Bank | D | 19 | 12 | 21.1% | 7.61% |
| 22 | 21st Mortgage | F | 19 | 4 | 68.4% | 11.20% |
| 23 | Coastal Community Bank | C | 19 | 5 | 0.0% | 7.99% |
| 24 | New Day Financial | F | 18 | 2 | 27.8% | 6.37% |
| 25 | First Community Mortgage | A | 18 | 12 | 5.6% | 6.75% |
Best approval odds in Clinton County
Lowest decision denial rate among lenders that decided at least 50 applications here in 2025.
| # | Lender | Decided | Decision denial rate |
|---|---|---|---|
| 1 | Loandepot.Com | 102 | 9.8% |
| 2 | Peoples Bank | 90 | 14.4% |
| 3 | Rocket Mortgage | 66 | 21.2% |
| 4 | Wright-Patt Credit Union | 148 | 31.8% |
| 5 | Fifth Third Bank | 78 | 34.6% |
What Clinton County borrowers applied for
By loan purpose
By loan type
Why applications were denied
Clinton County by year
| Year | Applications | Originated | Denial rate | Median rate | Median loan |
|---|---|---|---|---|---|
| 2023 | 1,407 | 853 | 20.3% | 7.10% | $135,000 |
| 2024 | 1,594 | 932 | 20.0% | 7.13% | $145,000 |
| 2025 | 1,693 | 1,022 | 17.1% | 6.88% | $165,000 |
Frequently asked questions
17.1% of applications in Clinton County were denied in 2025, against 17.7% statewide in Ohio.
Wright-Patt Credit Union, with 157 applications in 2025 and a denial rate of 29.9%.
The median mortgage application in Clinton County in 2025 was for $165,000; the median property value on originated loans was $275,000.