Largest lenders in Gallia County
| # | Lender | Grade | Applications | Originated | Denial rate | Median rate |
|---|---|---|---|---|---|---|
| 1 | Vanderbilt Mortgage and Finance | F | 75 | 11 | 33.3% | 10.50% |
| 2 | The Farmers Bank and Savings | D | 71 | 45 | 25.4% | 7.13% |
| 3 | Movement Mortgage | A | 63 | 49 | 3.2% | 6.75% |
| 4 | Rocket Mortgage | C | 58 | 29 | 32.8% | 6.63% |
| 5 | The Ohio Valley Bank | A | 49 | 41 | 6.1% | 6.88% |
| 6 | 21st Mortgage | F | 32 | 5 | 53.1% | 9.29% |
| 7 | Peoples Bank | C | 29 | 20 | 13.8% | 7.38% |
| 8 | Mortgage Research Center | C | 29 | 15 | 17.2% | 6.25% |
| 9 | WesBanco Bank | B | 28 | 21 | 21.4% | 5.63% |
| 10 | U.S. Bank | D | 28 | 10 | 50.0% | 8.55% |
| 11 | Credit Human Federal Credit Union | D | 26 | 1 | 96.2% | 8.50% |
| 12 | Paramount Residential Mortgage Group | B | 23 | 18 | 0.0% | 6.99% |
| 13 | Farm Credit Mid-America | D | 22 | 16 | 9.1% | 7.00% |
| 14 | Triad Financial Services | D | 21 | 0 | 71.4% | — |
| 15 | AmeriSave Mortgage | D | 17 | 5 | 64.7% | 7.25% |
| 16 | Atomic Credit Union | F | 16 | 9 | 25.0% | — |
| 17 | United Shore Financial Services | B | 15 | 14 | 0.0% | 6.69% |
| 18 | Broker Solutions | D | 15 | 8 | 13.3% | 6.94% |
| 19 | Freedom Mortgage | B | 13 | 5 | 7.7% | 6.50% |
| 20 | The Vinton County National Bank | C | 12 | 10 | 16.7% | 7.50% |
| 21 | Southwest Stage Funding | F | 12 | 3 | 8.3% | 7.35% |
| 22 | The Huntington National Bank | D | 12 | 7 | 25.0% | 7.90% |
| 23 | Siwell | – | 11 | 6 | 0.0% | 6.13% |
| 24 | Loandepot.Com | D | 10 | 2 | 70.0% | 6.50% |
| 25 | Discover Bank | F | 9 | 2 | 22.2% | 7.83% |
Best approval odds in Gallia County
Lowest decision denial rate among lenders that decided at least 50 applications here in 2025.
| # | Lender | Decided | Decision denial rate |
|---|---|---|---|
| 1 | Movement Mortgage | 54 | 3.7% |
| 2 | The Farmers Bank and Savings | 63 | 28.6% |
| 3 | Rocket Mortgage | 51 | 37.3% |
What Gallia County borrowers applied for
By loan purpose
By loan type
Why applications were denied
Gallia County by year
| Year | Applications | Originated | Denial rate | Median rate | Median loan |
|---|---|---|---|---|---|
| 2023 | 679 | 327 | 24.9% | 6.99% | $115,000 |
| 2024 | 722 | 342 | 30.2% | 6.99% | $125,000 |
| 2025 | 898 | 447 | 26.4% | 6.88% | $135,000 |
Frequently asked questions
26.4% of applications in Gallia County were denied in 2025, against 17.7% statewide in Ohio.
Vanderbilt Mortgage and Finance, with 75 applications in 2025 and a denial rate of 33.3%.
The median mortgage application in Gallia County in 2025 was for $135,000; the median property value on originated loans was $205,000.