Largest lenders in Lake County
| # | Lender | Grade | Applications | Originated | Denial rate | Median rate |
|---|---|---|---|---|---|---|
| 1 | The Huntington National Bank | D | 1,348 | 800 | 23.4% | 7.64% |
| 2 | Crosscountry Mortgage | B | 881 | 680 | 2.4% | 6.75% |
| 3 | Third Federal Savings and Loan Association of Cleveland | C | 703 | 484 | 18.2% | 6.74% |
| 4 | Rocket Mortgage | C | 656 | 480 | 16.0% | 6.75% |
| 5 | Citizens Bank | C | 532 | 340 | 23.3% | 7.65% |
| 6 | Fifth Third Bank | D | 382 | 219 | 22.5% | 7.25% |
| 7 | PNC Bank | D | 309 | 193 | 19.7% | 7.44% |
| 8 | United Shore Financial Services | B | 267 | 191 | 14.6% | 6.29% |
| 9 | Cardinal Credit Union | F | 227 | 79 | 14.5% | 7.40% |
| 10 | JPMorgan Chase Bank | B | 196 | 131 | 6.6% | 6.63% |
| 11 | Dollar Bank, Federal Savings Bank | C | 186 | 125 | 22.6% | 6.75% |
| 12 | U.S. Bank | D | 162 | 71 | 42.6% | 7.85% |
| 13 | Mortgage Research Center | C | 156 | 76 | 23.1% | 6.50% |
| 14 | Synergy One Lending | C | 143 | 99 | 5.6% | 6.63% |
| 15 | Union Home Mortgage | B | 141 | 115 | 5.0% | 6.88% |
| 16 | Freedom Mortgage | B | 136 | 56 | 10.3% | 6.25% |
| 17 | Coastal Community Bank | C | 134 | 38 | 0.0% | 10.99% |
| 18 | First National Bank of Pennsylvania | B | 133 | 97 | 21.1% | 6.49% |
| 19 | NVR Mortgage Finance | B | 129 | 97 | 17.8% | 6.13% |
| 20 | Howard Hanna Financial Services | A | 127 | 111 | 1.6% | 6.54% |
| 21 | Pennymac Loan Services | C | 113 | 63 | 11.5% | 6.38% |
| 22 | KeyBank | C | 111 | 63 | 27.0% | 6.63% |
| 23 | First Federal Savings and Loan Association of Lakewood | B | 109 | 73 | 8.3% | 6.58% |
| 24 | Guaranteed Rate | B | 107 | 68 | 2.8% | 6.55% |
| 25 | Navy Federal Credit Union | D | 97 | 51 | 25.8% | 6.50% |
Best approval odds in Lake County
Lowest decision denial rate among lenders that decided at least 50 applications here in 2025.
| # | Lender | Decided | Decision denial rate |
|---|---|---|---|
| 1 | Coastal Community Bank | 101 | 0.0% |
| 2 | Howard Hanna Financial Services | 113 | 1.8% |
| 3 | Crosscountry Mortgage | 710 | 3.0% |
| 4 | Ruoff Mortgage Company | 64 | 3.1% |
| 5 | Guaranteed Rate | 72 | 4.2% |
| 6 | Union Home Mortgage | 123 | 5.7% |
| 7 | Liberty Home Mortgage | 69 | 7.3% |
| 8 | Synergy One Lending | 107 | 7.5% |
| 9 | JPMorgan Chase Bank | 146 | 8.9% |
| 10 | First Federal Savings and Loan Association of Lakewood | 82 | 11.0% |
What Lake County borrowers applied for
By loan purpose
By loan type
Why applications were denied
Lake County by year
| Year | Applications | Originated | Denial rate | Median rate | Median loan |
|---|---|---|---|---|---|
| 2023 | 8,339 | 5,135 | 19.7% | 7.13% | $135,000 |
| 2024 | 9,040 | 5,546 | 18.6% | 7.12% | $145,000 |
| 2025 | 10,372 | 6,379 | 17.1% | 6.88% | $155,000 |
Frequently asked questions
17.1% of applications in Lake County were denied in 2025, against 17.7% statewide in Ohio.
The Huntington National Bank, with 1,348 applications in 2025 and a denial rate of 23.4%.
The median mortgage application in Lake County in 2025 was for $155,000; the median property value on originated loans was $265,000.