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Delaware County, Ohio · 2025

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

381 lenders acted on 11,895 mortgage applications for properties in Delaware County in 2025. 14.2% were denied (Ohio: 17.7%). Median rate on closed loans 6.63%; median loan $305,000; median property value $555,000.

12kApplications
14.2%Denial ratestate 17.7%
6.63%Median ratestate 6.88%
$305,000Median loan
$555,000Median property value

Largest lenders in Delaware County

#LenderGradeApplicationsOriginatedDenial rateMedian rate
1 The Huntington National Bank D 1,148715 22.0%7.59%
2 Fifth Third Bank D 614392 20.2%7.25%
3 Third Federal Savings and Loan Association of Cleveland C 546347 22.2%6.99%
4 United Shore Financial Services B 429325 11.4%6.13%
5 Rocket Mortgage C 423330 15.4%6.75%
6 Kemba Financial Credit Union C 403271 20.8%7.00%
7 Pulte Mortgage A 381281 11.0%5.50%
8 JPMorgan Chase Bank B 362225 5.5%6.25%
9 M/i Financial A 325259 0.6%6.00%
10 PNC Bank D 303194 18.8%7.75%
11 NFM A 297236 1.0%6.63%
12 First Commonwealth Bank C 257159 22.2%5.99%
13 Union Savings Bank A 256202 4.7%6.75%
14 First Financial Bank D 216158 10.7%6.38%
15 NVR Mortgage Finance B 210175 11.4%6.13%
16 Union Home Mortgage B 209161 4.3%6.63%
17 Wright-Patt Credit Union C 203118 21.7%6.19%
18 Crosscountry Mortgage B 16895 2.4%6.75%
19 Guaranteed Rate B 16082 3.1%6.25%
20 Lower C 158112 3.2%6.75%
21 Newrez D 14550 13.8%6.44%
22 Dhi Mortgage Company B 13896 10.1%4.50%
23 U.S. Bank D 13666 31.6%7.85%
24 Coastal Community Bank C 12735 1.6%9.99%
25 Pennymac Loan Services C 12077 4.2%6.50%

Best approval odds in Delaware County

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

#LenderDecidedDecision denial rate
1M/i Financial3050.7%
2NFM2411.2%
3Coastal Community Bank1101.8%
4The Equitable Mortgage712.8%
5Crosscountry Mortgage1063.8%
6Lower1184.2%
7Union Home Mortgage1765.1%
8Union Savings Bank2165.6%
9Guaranteed Rate895.6%
10Pennymac Loan Services875.8%

What Delaware County borrowers applied for

By loan purpose

Home purchase 4,834 41% · 6.2% denied
Refinance 2,480 21% · 14.4% denied
Cash-out refinance 1,483 12% · 18.8% denied
Home improvement 1,525 13% · 22.0% denied
Other / HELOC 1,573 13% · 26.7% denied

By loan type

Conventional 10,569 89% · 14.3% denied
FHA 813 7% · 16.2% denied
VA 510 4% · 9.2% denied
USDA / RHS 3 0% · 66.7% denied

Why applications were denied

Debt-to-income ratio 715 43%
Credit history 318 19%
Incomplete application 279 17%
Collateral 191 11%
Other 98 6%
Unverifiable information 34 2%
Insufficient cash 27 2%
Employment history 15 1%
Mortgage insurance denied 1 0%

Delaware County by year

YearApplicationsOriginatedDenial rateMedian rateMedian loan
202310,0596,31915.5%6.88%$255,000
202410,6956,57315.5%6.99%$275,000
202511,8957,60714.2%6.63%$305,000

Frequently asked questions

14.2% of applications in Delaware County were denied in 2025, against 17.7% statewide in Ohio.

The Huntington National Bank, with 1,148 applications in 2025 and a denial rate of 22.0%.

The median mortgage application in Delaware County in 2025 was for $305,000; the median property value on originated loans was $555,000.