Find a better mortgage lender

Licking County, Ohio · 2025

Mortgage lenders in Licking County, OH: denial rates and top lenders (2025)

323 lenders acted on 8,525 mortgage applications for properties in Licking County in 2025. 16.7% were denied (Ohio: 17.7%). Median rate on closed loans 6.88%; median loan $195,000; median property value $355,000.

8.5kApplications
16.7%Denial ratestate 17.7%
6.88%Median ratestate 6.88%
$195,000Median loan
$355,000Median property value

Largest lenders in Licking County

#LenderGradeApplicationsOriginatedDenial rateMedian rate
1 The Huntington National Bank D 691432 24.6%7.59%
2 The Park National Bank C 531383 14.7%7.25%
3 Rocket Mortgage C 439320 18.2%6.63%
4 United Shore Financial Services B 317225 15.8%6.50%
5 Equity Resources C 276184 7.3%6.63%
6 Fifth Third Bank D 232126 31.5%7.25%
7 NFM A 203154 1.5%6.63%
8 PNC Bank D 183114 23.5%7.25%
9 Union Home Mortgage B 182133 1.7%6.75%
10 First Federal Savings and Loan Association C 176119 17.6%6.95%
11 Kemba Financial Credit Union C 16492 23.8%7.12%
12 Third Federal Savings and Loan Association of Cleveland C 16393 25.2%6.89%
13 HOPEWELL Federal Credit Union D 154110 18.8%7.50%
14 Crosscountry Mortgage B 15398 1.3%6.63%
15 TrueCore Federal Credit Union C 149125 8.1%7.25%
16 JPMorgan Chase Bank B 14286 10.6%6.63%
17 Newrez D 11839 19.5%6.75%
18 Wright-Patt Credit Union C 11264 26.8%7.50%
19 Mortgage Research Center C 11147 17.1%6.25%
20 The Community Bank C 11087 5.5%7.00%
21 Pennymac Loan Services C 10952 13.8%6.62%
22 Union Savings Bank A 10981 7.3%6.75%
23 Vanderbilt Mortgage and Finance F 10913 26.6%10.25%
24 Broker Solutions D 10855 9.3%6.63%
25 Freedom Mortgage B 10456 8.7%6.25%

Best approval odds in Licking County

Lowest decision denial rate among lenders that decided at least 50 applications here in 2025.

#LenderDecidedDecision denial rate
1Guaranteed Rate500.0%
2NFM1601.9%
3Crosscountry Mortgage1002.0%
4Union Home Mortgage1382.2%
5Coastal Community Bank583.5%
6Rmc Home Mortgage533.8%
7The Community Bank936.5%
8Lower777.8%
9Fairway Independent Mortgage728.3%
10TrueCore Federal Credit Union1408.6%

What Licking County borrowers applied for

By loan purpose

Home purchase 3,399 40% · 9.2% denied
Refinance 1,408 17% · 15.4% denied
Cash-out refinance 1,539 18% · 18.8% denied
Home improvement 1,020 12% · 30.7% denied
Other / HELOC 1,159 14% · 24.9% denied

By loan type

Conventional 6,720 79% · 17.5% denied
FHA 1,114 13% · 15.8% denied
VA 675 8% · 10.1% denied
USDA / RHS 16 0% · 6.3% denied

Why applications were denied

Debt-to-income ratio 461 32%
Credit history 421 30%
Collateral 198 14%
Incomplete application 184 13%
Other 83 6%
Unverifiable information 33 2%
Insufficient cash 30 2%
Employment history 9 1%

Licking County by year

YearApplicationsOriginatedDenial rateMedian rateMedian loan
20237,3874,48218.4%7.24%$155,000
20247,8284,67618.7%7.13%$165,000
20258,5255,18916.7%6.88%$195,000

Frequently asked questions

16.7% of applications in Licking County were denied in 2025, against 17.7% statewide in Ohio.

The Huntington National Bank, with 691 applications in 2025 and a denial rate of 24.6%.

The median mortgage application in Licking County in 2025 was for $195,000; the median property value on originated loans was $355,000.