Largest lenders in Fayette County
| # | Lender | Grade | Applications | Originated | Denial rate | Median rate |
|---|---|---|---|---|---|---|
| 1 | The Huntington National Bank | D | 145 | 71 | 37.2% | 7.99% |
| 2 | Fifth Third Bank | D | 80 | 42 | 33.8% | 7.04% |
| 3 | Vanderbilt Mortgage and Finance | F | 56 | 26 | 21.4% | 5.50% |
| 4 | United Shore Financial Services | B | 50 | 38 | 12.0% | 6.50% |
| 5 | Rocket Mortgage | C | 49 | 32 | 22.5% | 6.62% |
| 6 | Union Savings Bank | A | 43 | 31 | 9.3% | 6.88% |
| 7 | The Merchants National Bank | C | 42 | 32 | 2.4% | 7.13% |
| 8 | Wright-Patt Credit Union | C | 41 | 18 | 46.3% | 7.75% |
| 9 | U.S. Bank | D | 38 | 15 | 44.7% | 8.10% |
| 10 | Crosscountry Mortgage | B | 30 | 22 | 3.3% | 6.60% |
| 11 | Loandepot.Com | D | 28 | 16 | 17.9% | 6.43% |
| 12 | Newrez | D | 25 | 9 | 24.0% | 6.63% |
| 13 | First State Bank | B | 23 | 17 | 13.0% | 7.50% |
| 14 | Pennymac Loan Services | C | 22 | 10 | 13.6% | 6.62% |
| 15 | Freedom Mortgage | B | 18 | 8 | 22.2% | 6.25% |
| 16 | Kemba Financial Credit Union | C | 17 | 11 | 29.4% | 7.25% |
| 17 | Guaranteed Rate | B | 17 | 11 | 5.9% | 6.53% |
| 18 | NFM | A | 17 | 14 | 0.0% | 6.75% |
| 19 | PNC Bank | D | 16 | 9 | 31.3% | 8.31% |
| 20 | Union Home Mortgage | B | 15 | 8 | 0.0% | 6.50% |
| 21 | AmeriSave Mortgage | D | 14 | 2 | 71.4% | 8.13% |
| 22 | Mortgage Research Center | C | 14 | 7 | 28.6% | 5.99% |
| 23 | Coastal Community Bank | C | 14 | 8 | 0.0% | 10.62% |
| 24 | Lower | C | 13 | 10 | 7.7% | 6.50% |
| 25 | Paramount Residential Mortgage Group | B | 12 | 9 | 8.3% | 6.38% |
Best approval odds in Fayette County
Lowest decision denial rate among lenders that decided at least 50 applications here in 2025.
| # | Lender | Decided | Decision denial rate |
|---|---|---|---|
| 1 | Fifth Third Bank | 71 | 38.0% |
| 2 | The Huntington National Bank | 125 | 43.2% |
What Fayette County borrowers applied for
By loan purpose
By loan type
Why applications were denied
Fayette County by year
| Year | Applications | Originated | Denial rate | Median rate | Median loan |
|---|---|---|---|---|---|
| 2023 | 990 | 556 | 20.7% | 7.13% | $125,000 |
| 2024 | 1,082 | 648 | 20.2% | 7.00% | $145,000 |
| 2025 | 1,205 | 691 | 21.7% | 6.88% | $145,000 |
Frequently asked questions
21.7% of applications in Fayette County were denied in 2025, against 17.7% statewide in Ohio.
The Huntington National Bank, with 145 applications in 2025 and a denial rate of 37.2%.
The median mortgage application in Fayette County in 2025 was for $145,000; the median property value on originated loans was $245,000.