Largest lenders in Geauga County
| # | Lender | Grade | Applications | Originated | Denial rate | Median rate |
|---|---|---|---|---|---|---|
| 1 | The Huntington National Bank | D | 675 | 419 | 23.0% | 7.74% |
| 2 | The Middlefield Banking | C | 337 | 235 | 19.9% | — |
| 3 | Third Federal Savings and Loan Association of Cleveland | C | 255 | 165 | 23.1% | 6.99% |
| 4 | Rocket Mortgage | C | 206 | 150 | 19.4% | 6.63% |
| 5 | Citizens Bank | C | 196 | 127 | 25.5% | 7.15% |
| 6 | Crosscountry Mortgage | B | 174 | 126 | 1.2% | 6.75% |
| 7 | Fifth Third Bank | D | 157 | 103 | 17.2% | 7.25% |
| 8 | First National Bank of Pennsylvania | B | 125 | 89 | 19.2% | 6.49% |
| 9 | PNC Bank | D | 114 | 54 | 31.6% | 8.10% |
| 10 | United Shore Financial Services | B | 73 | 58 | 4.1% | 6.13% |
| 11 | Union Home Mortgage | B | 61 | 51 | 3.3% | 6.88% |
| 12 | JPMorgan Chase Bank | B | 59 | 35 | 13.6% | 6.63% |
| 13 | NVR Mortgage Finance | B | 59 | 50 | 11.9% | 6.38% |
| 14 | Guaranteed Rate | B | 58 | 39 | 3.5% | 6.63% |
| 15 | Howard Hanna Financial Services | A | 56 | 46 | 0.0% | 6.63% |
| 16 | First Federal Savings and Loan Association of Lakewood | B | 51 | 32 | 7.8% | 6.88% |
| 17 | Coastal Community Bank | C | 47 | 14 | 0.0% | 11.12% |
| 18 | KeyBank | C | 46 | 34 | 10.9% | 7.00% |
| 19 | Dollar Bank, Federal Savings Bank | C | 46 | 27 | 32.6% | 6.69% |
| 20 | Farm Credit Mid-America | D | 46 | 28 | 21.7% | 7.00% |
| 21 | Navy Federal Credit Union | D | 45 | 25 | 26.7% | 7.00% |
| 22 | Mortgage Research Center | C | 43 | 16 | 27.9% | 5.99% |
| 23 | 21st Mortgage | F | 42 | 13 | 42.9% | 11.63% |
| 24 | Pennymac Loan Services | C | 40 | 23 | 10.0% | 6.88% |
| 25 | U.S. Bank | D | 39 | 20 | 28.2% | 7.85% |
Best approval odds in Geauga County
Lowest decision denial rate among lenders that decided at least 50 applications here in 2025.
| # | Lender | Decided | Decision denial rate |
|---|---|---|---|
| 1 | Crosscountry Mortgage | 130 | 1.5% |
| 2 | Union Home Mortgage | 56 | 3.6% |
| 3 | United Shore Financial Services | 62 | 4.8% |
| 4 | NVR Mortgage Finance | 57 | 12.3% |
| 5 | Rocket Mortgage | 195 | 20.5% |
| 6 | Fifth Third Bank | 131 | 20.6% |
| 7 | First National Bank of Pennsylvania | 113 | 21.2% |
| 8 | The Middlefield Banking | 309 | 21.7% |
| 9 | Third Federal Savings and Loan Association of Cleveland | 230 | 25.7% |
| 10 | The Huntington National Bank | 592 | 26.2% |
What Geauga County borrowers applied for
By loan purpose
By loan type
Why applications were denied
Geauga County by year
| Year | Applications | Originated | Denial rate | Median rate | Median loan |
|---|---|---|---|---|---|
| 2023 | 3,473 | 2,167 | 19.9% | 7.35% | $145,000 |
| 2024 | 3,653 | 2,236 | 19.8% | 7.49% | $155,000 |
| 2025 | 4,052 | 2,526 | 18.9% | 6.97% | $185,000 |
Frequently asked questions
18.9% of applications in Geauga County were denied in 2025, against 17.7% statewide in Ohio.
The Huntington National Bank, with 675 applications in 2025 and a denial rate of 23.0%.
The median mortgage application in Geauga County in 2025 was for $185,000; the median property value on originated loans was $405,000.