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Columbiana County, Ohio · 2025

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

215 lenders acted on 3,381 mortgage applications for properties in Columbiana County in 2025. 21.4% were denied (Ohio: 17.7%). Median rate on closed loans 6.88%; median loan $105,000; median property value $205,000.

3.4kApplications
21.4%Denial ratestate 17.7%
6.88%Median ratestate 6.88%
$105,000Median loan
$205,000Median property value

Largest lenders in Columbiana County

#LenderGradeApplicationsOriginatedDenial rateMedian rate
1 The Huntington National Bank D 543314 25.6%7.84%
2 Rocket Mortgage C 244171 21.7%6.63%
3 The Farmers National Bank of Canfield B 16198 25.5%6.50%
4 WesBanco Bank B 14998 22.8%6.88%
5 Hancock County Savings Bank, FSB C 13583 23.7%6.50%
6 Ixonia Bank C 12483 2.4%6.88%
7 Crosscountry Mortgage B 11280 2.7%6.75%
8 Seven Seventeen Credit Union C 11269 23.2%7.00%
9 Citizens Bank C 10759 32.7%7.40%
10 Fairway Independent Mortgage B 9774 5.2%6.75%
11 United Shore Financial Services B 9062 13.3%6.19%
12 PNC Bank D 7144 26.8%7.53%
13 Main Street Bank C 6653 10.6%—
14 Mortgage Research Center C 5922 23.7%6.63%
15 First Commonwealth Bank C 4933 20.4%6.50%
16 Broker Solutions D 4912 20.4%7.25%
17 JPMorgan Chase Bank B 4730 19.2%6.88%
18 Loandepot.Com D 4722 34.0%6.62%
19 Coastal Community Bank C 4212 0.0%11.12%
20 AmeriSave Mortgage D 409 70.0%6.50%
21 Freedom Mortgage B 3916 7.7%6.25%
22 Pennymac Loan Services C 3518 11.4%6.37%
23 Newrez D 3416 35.3%6.38%
24 Figure Lending C 3111 29.0%9.00%
25 Clearview Federal Credit Union B 2917 27.6%6.64%

Best approval odds in Columbiana County

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

#LenderDecidedDecision denial rate
1Ixonia Bank863.5%
2Crosscountry Mortgage853.5%
3Fairway Independent Mortgage796.3%
4Main Street Bank6011.7%
5United Shore Financial Services7615.8%
6Rocket Mortgage23122.9%
7WesBanco Bank13824.6%
8Seven Seventeen Credit Union9527.4%
9Hancock County Savings Bank, FSB11627.6%
10The Farmers National Bank of Canfield14827.7%

What Columbiana County borrowers applied for

By loan purpose

Home purchase 1,193 35% · 10.4% denied
Refinance 526 16% · 19.0% denied
Cash-out refinance 620 18% · 25.8% denied
Home improvement 548 16% · 33.2% denied
Other / HELOC 494 15% · 32.0% denied

By loan type

Conventional 2,484 73% · 23.5% denied
FHA 579 17% · 17.6% denied
VA 270 8% · 12.2% denied
USDA / RHS 48 1% · 10.4% denied

Why applications were denied

Credit history 254 35%
Debt-to-income ratio 172 24%
Collateral 131 18%
Incomplete application 72 10%
Other 65 9%
Insufficient cash 11 2%
Unverifiable information 9 1%
Employment history 3 0%

Columbiana County by year

YearApplicationsOriginatedDenial rateMedian rateMedian loan
20232,9751,67423.5%7.13%$95,000
20243,1891,80922.2%7.13%$105,000
20253,3811,95021.4%6.88%$105,000

Frequently asked questions

21.4% of applications in Columbiana County were denied in 2025, against 17.7% statewide in Ohio.

The Huntington National Bank, with 543 applications in 2025 and a denial rate of 25.6%.

The median mortgage application in Columbiana County in 2025 was for $105,000; the median property value on originated loans was $205,000.