Largest lenders in Guernsey County
| # | Lender | Grade | Applications | Originated | Denial rate | Median rate |
|---|---|---|---|---|---|---|
| 1 | The Huntington National Bank | D | 203 | 130 | 20.2% | 7.34% |
| 2 | Peoples Bank | C | 108 | 88 | 12.0% | 7.49% |
| 3 | Rocket Mortgage | C | 72 | 48 | 29.2% | 6.56% |
| 4 | PNC Bank | D | 50 | 20 | 38.0% | 7.45% |
| 5 | First Ohio Home Finance | A | 45 | 44 | 0.0% | 6.63% |
| 6 | The Community Bank | C | 43 | 33 | 7.0% | 7.00% |
| 7 | Mortgage Research Center | C | 38 | 22 | 7.9% | 6.44% |
| 8 | The Park National Bank | C | 38 | 24 | 23.7% | 7.38% |
| 9 | Vanderbilt Mortgage and Finance | F | 38 | 6 | 31.6% | 10.75% |
| 10 | U.S. Bank | D | 36 | 14 | 33.3% | 7.49% |
| 11 | United Shore Financial Services | B | 36 | 29 | 2.8% | 6.62% |
| 12 | WesBanco Bank | B | 35 | 25 | 28.6% | 6.00% |
| 13 | Broker Solutions | D | 35 | 22 | 5.7% | 6.99% |
| 14 | Freedom Mortgage | B | 25 | 9 | 8.0% | 6.25% |
| 15 | Crosscountry Mortgage | B | 22 | 12 | 4.6% | 6.66% |
| 16 | Farm Credit Mid-America | D | 22 | 18 | 9.1% | 7.13% |
| 17 | Click n' Close | C | 19 | 15 | 10.5% | 6.63% |
| 18 | J. Virgil | B | 18 | 13 | 5.6% | 6.63% |
| 19 | NFM | A | 14 | 10 | 0.0% | 6.56% |
| 20 | Equity Resources | C | 14 | 11 | 7.1% | 6.75% |
| 21 | New Day Financial | F | 13 | 3 | 7.7% | 6.63% |
| 22 | Woodsfield Savings Bank | – | 13 | 5 | 0.0% | — |
| 23 | Pennymac Loan Services | C | 12 | 2 | 8.3% | 5.87% |
| 24 | Credit Human Federal Credit Union | D | 12 | 0 | 91.7% | — |
| 25 | Coastal Community Bank | C | 12 | 4 | 0.0% | 12.62% |
Best approval odds in Guernsey County
Lowest decision denial rate among lenders that decided at least 50 applications here in 2025.
| # | Lender | Decided | Decision denial rate |
|---|---|---|---|
| 1 | Peoples Bank | 106 | 12.3% |
| 2 | The Huntington National Bank | 175 | 23.4% |
| 3 | Rocket Mortgage | 70 | 30.0% |
What Guernsey County borrowers applied for
By loan purpose
By loan type
Why applications were denied
Guernsey County by year
| Year | Applications | Originated | Denial rate | Median rate | Median loan |
|---|---|---|---|---|---|
| 2023 | 1,128 | 657 | 21.0% | 7.13% | $105,000 |
| 2024 | 1,133 | 678 | 20.4% | 7.25% | $115,000 |
| 2025 | 1,318 | 767 | 19.4% | 6.99% | $125,000 |
Frequently asked questions
19.4% of applications in Guernsey County were denied in 2025, against 17.7% statewide in Ohio.
The Huntington National Bank, with 203 applications in 2025 and a denial rate of 20.2%.
The median mortgage application in Guernsey County in 2025 was for $125,000; the median property value on originated loans was $225,000.