Largest lenders in Jackson County
| # | Lender | Grade | Applications | Originated | Denial rate | Median rate |
|---|---|---|---|---|---|---|
| 1 | Atomic Credit Union | F | 129 | 76 | 25.6% | — |
| 2 | The Vinton County National Bank | C | 89 | 59 | 13.5% | 7.50% |
| 3 | Vanderbilt Mortgage and Finance | F | 70 | 16 | 24.3% | 10.25% |
| 4 | Rocket Mortgage | C | 67 | 35 | 37.3% | 6.88% |
| 5 | WesBanco Bank | B | 46 | 31 | 10.9% | 6.25% |
| 6 | Rapid Mortgage | B | 45 | 32 | 0.0% | 7.13% |
| 7 | The Ohio Valley Bank | A | 41 | 32 | 12.2% | 6.81% |
| 8 | Peoples Bank | C | 40 | 33 | 12.5% | 7.50% |
| 9 | Mortgage Research Center | C | 37 | 19 | 18.9% | 6.50% |
| 10 | Paramount Residential Mortgage Group | B | 36 | 26 | 0.0% | 6.63% |
| 11 | PNC Bank | D | 31 | 16 | 41.9% | 7.33% |
| 12 | Newrez | D | 19 | 3 | 15.8% | 6.25% |
| 13 | Credit Human Federal Credit Union | D | 18 | 0 | 94.4% | — |
| 14 | United Shore Financial Services | B | 18 | 7 | 22.2% | 6.42% |
| 15 | 21st Mortgage | F | 17 | 2 | 47.1% | 9.30% |
| 16 | Freedom Mortgage | B | 17 | 5 | 5.9% | 6.38% |
| 17 | Gold Star Mortgage Financial Group | C | 17 | 8 | 0.0% | 7.19% |
| 18 | Pennymac Loan Services | C | 16 | 6 | 18.8% | 5.75% |
| 19 | Triad Financial Services | D | 16 | 0 | 56.3% | — |
| 20 | Guaranteed Rate | B | 15 | 7 | 13.3% | 6.75% |
| 21 | AmeriSave Mortgage | D | 14 | 3 | 50.0% | 6.63% |
| 22 | Broker Solutions | D | 14 | 5 | 0.0% | 6.99% |
| 23 | Loandepot.Com | D | 14 | 3 | 57.1% | 7.13% |
| 24 | The Huntington National Bank | D | 14 | 5 | 42.9% | 6.88% |
| 25 | Navy Federal Credit Union | D | 11 | 5 | 27.3% | 6.38% |
Best approval odds in Jackson County
Lowest decision denial rate among lenders that decided at least 50 applications here in 2025.
| # | Lender | Decided | Decision denial rate |
|---|---|---|---|
| 1 | The Vinton County National Bank | 88 | 13.6% |
| 2 | Atomic Credit Union | 109 | 30.3% |
| 3 | Rocket Mortgage | 61 | 41.0% |
What Jackson County borrowers applied for
By loan purpose
By loan type
Why applications were denied
Jackson County by year
| Year | Applications | Originated | Denial rate | Median rate | Median loan |
|---|---|---|---|---|---|
| 2023 | 962 | 490 | 24.7% | 7.00% | $115,000 |
| 2024 | 988 | 502 | 26.9% | 7.00% | $115,000 |
| 2025 | 1,115 | 562 | 22.2% | 6.99% | $135,000 |
Frequently asked questions
22.2% of applications in Jackson County were denied in 2025, against 17.7% statewide in Ohio.
Atomic Credit Union, with 129 applications in 2025 and a denial rate of 25.6%.
The median mortgage application in Jackson County in 2025 was for $135,000; the median property value on originated loans was $215,000.