Largest lenders in Lawrence County
| # | Lender | Grade | Applications | Originated | Denial rate | Median rate |
|---|---|---|---|---|---|---|
| 1 | City National Bank of West Virginia | C | 195 | 126 | 26.7% | 6.29% |
| 2 | Vanderbilt Mortgage and Finance | F | 157 | 18 | 29.3% | 9.50% |
| 3 | Movement Mortgage | A | 124 | 81 | 3.2% | 6.63% |
| 4 | U.S. Bank | D | 90 | 40 | 38.9% | 7.06% |
| 5 | Rocket Mortgage | C | 77 | 50 | 27.3% | 6.88% |
| 6 | WesBanco Bank | B | 71 | 44 | 21.1% | 6.06% |
| 7 | Peoples Bank | C | 68 | 42 | 22.1% | 7.24% |
| 8 | Primelending, a Plainscapital | A | 65 | 37 | 7.7% | 6.75% |
| 9 | Stockton Mortgage | D | 58 | 44 | 1.7% | 6.88% |
| 10 | Desco | C | 54 | 27 | 29.6% | 6.75% |
| 11 | PNC Bank | D | 50 | 26 | 32.0% | 7.40% |
| 12 | Credit Human Federal Credit Union | D | 44 | 2 | 88.6% | 8.65% |
| 13 | Mortgage Research Center | C | 42 | 21 | 19.1% | 6.56% |
| 14 | Huntington Federal Savings Bank | C | 41 | 31 | 7.3% | — |
| 15 | Triad Financial Services | D | 39 | 5 | 64.1% | 9.56% |
| 16 | Fifth Third Bank | D | 38 | 16 | 44.7% | 7.63% |
| 17 | AmeriSave Mortgage | D | 29 | 7 | 69.0% | 7.00% |
| 18 | Members Choice | C | 27 | 17 | 14.8% | — |
| 19 | The Ohio Valley Bank | A | 27 | 21 | 14.8% | 6.88% |
| 20 | Loandepot.Com | D | 27 | 20 | 18.5% | 6.99% |
| 21 | The Huntington National Bank | D | 27 | 7 | 44.4% | 6.88% |
| 22 | United Shore Financial Services | B | 26 | 18 | 7.7% | 6.50% |
| 23 | Southwest Stage Funding | F | 26 | 9 | 3.9% | 8.45% |
| 24 | Pennymac Loan Services | C | 23 | 11 | 21.7% | 9.88% |
| 25 | Freedom Mortgage | B | 22 | 9 | 4.6% | 5.75% |
Best approval odds in Lawrence County
Lowest decision denial rate among lenders that decided at least 50 applications here in 2025.
| # | Lender | Decided | Decision denial rate |
|---|---|---|---|
| 1 | Movement Mortgage | 95 | 4.2% |
| 2 | Peoples Bank | 61 | 24.6% |
| 3 | WesBanco Bank | 59 | 25.4% |
| 4 | City National Bank of West Virginia | 184 | 28.3% |
| 5 | Rocket Mortgage | 72 | 29.2% |
| 6 | U.S. Bank | 75 | 46.7% |
| 7 | Vanderbilt Mortgage and Finance | 68 | 67.7% |
What Lawrence County borrowers applied for
By loan purpose
By loan type
Why applications were denied
Lawrence County by year
| Year | Applications | Originated | Denial rate | Median rate | Median loan |
|---|---|---|---|---|---|
| 2023 | 1,708 | 851 | 25.7% | 6.75% | $105,000 |
| 2024 | 1,764 | 868 | 25.6% | 6.88% | $115,000 |
| 2025 | 1,909 | 933 | 25.0% | 6.75% | $115,000 |
Frequently asked questions
25.0% of applications in Lawrence County were denied in 2025, against 17.7% statewide in Ohio.
City National Bank of West Virginia, with 195 applications in 2025 and a denial rate of 26.7%.
The median mortgage application in Lawrence County in 2025 was for $115,000; the median property value on originated loans was $195,000.