Largest lenders in Hardin County
| # | Lender | Grade | Applications | Originated | Denial rate | Median rate |
|---|---|---|---|---|---|---|
| 1 | Superior Credit Union | D | 95 | 73 | 11.6% | 7.00% |
| 2 | The Huntington National Bank | D | 78 | 45 | 21.8% | 7.89% |
| 3 | Rocket Mortgage | C | 62 | 45 | 21.0% | 6.49% |
| 4 | Loandepot.Com | D | 58 | 44 | 12.1% | 6.75% |
| 5 | The Home Savings and Loan Company of Kenton, Ohio | B | 55 | 44 | 9.1% | — |
| 6 | The Middlefield Banking | C | 46 | 37 | 15.2% | — |
| 7 | Crosscountry Mortgage | B | 33 | 22 | 6.1% | 6.66% |
| 8 | U.S. Bank | D | 25 | 10 | 40.0% | 8.58% |
| 9 | Union Home Mortgage | B | 24 | 18 | 4.2% | 6.99% |
| 10 | Triad Financial Services | D | 20 | 9 | 25.0% | 9.75% |
| 11 | Fifth Third Bank | D | 18 | 9 | 38.9% | 7.75% |
| 12 | Guaranteed Rate | B | 18 | 15 | 11.1% | 6.98% |
| 13 | HONDA Federal Credit Union | F | 17 | 11 | 23.5% | 7.25% |
| 14 | United Shore Financial Services | B | 17 | 9 | 29.4% | 5.87% |
| 15 | Vanderbilt Mortgage and Finance | F | 17 | 1 | 23.5% | 9.75% |
| 16 | Ag Credit Agricultural Credit Association | B | 14 | 13 | 7.1% | 6.70% |
| 17 | Coastal Community Bank | C | 13 | 6 | 0.0% | 9.12% |
| 18 | Mortgage Research Center | C | 12 | 5 | 50.0% | 6.63% |
| 19 | AmeriSave Mortgage | D | 11 | 2 | 45.5% | 8.63% |
| 20 | Credit Human Federal Credit Union | D | 11 | 1 | 72.7% | 8.40% |
| 21 | Guild Mortgage | A | 11 | 5 | 0.0% | 5.99% |
| 22 | JPMorgan Chase Bank | B | 10 | 7 | 10.0% | 6.88% |
| 23 | Pennymac Loan Services | C | 9 | 1 | 22.2% | 7.25% |
| 24 | Lower | C | 9 | 5 | 0.0% | 6.63% |
| 25 | Freedom Mortgage | B | 9 | 2 | 0.0% | 6.06% |
Best approval odds in Hardin County
Lowest decision denial rate among lenders that decided at least 50 applications here in 2025.
| # | Lender | Decided | Decision denial rate |
|---|---|---|---|
| 1 | Superior Credit Union | 84 | 13.1% |
| 2 | Loandepot.Com | 51 | 13.7% |
| 3 | Rocket Mortgage | 58 | 22.4% |
| 4 | The Huntington National Bank | 63 | 27.0% |
What Hardin County borrowers applied for
By loan purpose
By loan type
Why applications were denied
Hardin County by year
| Year | Applications | Originated | Denial rate | Median rate | Median loan |
|---|---|---|---|---|---|
| 2023 | 675 | 385 | 21.3% | 7.00% | $105,000 |
| 2024 | 780 | 452 | 21.2% | 7.00% | $115,000 |
| 2025 | 946 | 579 | 17.7% | 6.86% | $125,000 |
Frequently asked questions
17.7% of applications in Hardin County were denied in 2025, against 17.7% statewide in Ohio.
Superior Credit Union, with 95 applications in 2025 and a denial rate of 11.6%.
The median mortgage application in Hardin County in 2025 was for $125,000; the median property value on originated loans was $195,000.