Largest lenders in Holmes County
| # | Lender | Grade | Applications | Originated | Denial rate | Median rate |
|---|---|---|---|---|---|---|
| 1 | The Park National Bank | C | 59 | 37 | 23.7% | 7.38% |
| 2 | The Commercial and Savings Bank of Millersburg, Ohio | B | 42 | 37 | 4.8% | — |
| 3 | Main Street Bank | C | 38 | 29 | 15.8% | — |
| 4 | PNC Bank | D | 35 | 20 | 20.0% | 7.44% |
| 5 | The Huntington National Bank | D | 27 | 18 | 25.9% | 7.54% |
| 6 | Rocket Mortgage | C | 23 | 17 | 13.0% | 6.49% |
| 7 | The Farmers National Bank of Canfield | B | 22 | 18 | 13.6% | 6.50% |
| 8 | Farm Credit Mid-America | D | 17 | 17 | 0.0% | 6.75% |
| 9 | Union Home Mortgage | B | 15 | 13 | 13.3% | 7.13% |
| 10 | Crosscountry Mortgage | B | 13 | 8 | 0.0% | 6.69% |
| 11 | Coastal Community Bank | C | 10 | 4 | 0.0% | 11.12% |
| 12 | Freedom Mortgage | B | 6 | 2 | 16.7% | 6.19% |
| 13 | United Shore Financial Services | B | 6 | 4 | 33.3% | 6.06% |
| 14 | Mortgage Research Center | C | 6 | 2 | 0.0% | 6.06% |
| 15 | Vanderbilt Mortgage and Finance | F | 6 | 2 | 0.0% | 9.63% |
| 16 | Fifth Third Bank | D | 5 | 4 | 0.0% | 6.56% |
| 17 | American Financing | D | 5 | 0 | 80.0% | — |
Best approval odds in Holmes County
Lowest decision denial rate among lenders that decided at least 50 applications here in 2025.
| # | Lender | Decided | Decision denial rate |
|---|---|---|---|
| 1 | The Park National Bank | 51 | 27.5% |
What Holmes County borrowers applied for
By loan purpose
By loan type
Why applications were denied
Holmes County by year
| Year | Applications | Originated | Denial rate | Median rate | Median loan |
|---|---|---|---|---|---|
| 2023 | 515 | 367 | 13.6% | 7.00% | $125,000 |
| 2024 | 432 | 248 | 21.8% | 7.13% | $165,000 |
| 2025 | 448 | 285 | 18.8% | 6.88% | $155,000 |
Frequently asked questions
18.8% of applications in Holmes County were denied in 2025, against 17.7% statewide in Ohio.
The Park National Bank, with 59 applications in 2025 and a denial rate of 23.7%.
The median mortgage application in Holmes County in 2025 was for $155,000; the median property value on originated loans was $315,000.