Largest lenders in Madison County
| # | Lender | Grade | Applications | Originated | Denial rate | Median rate |
|---|---|---|---|---|---|---|
| 1 | The Huntington National Bank | D | 201 | 119 | 26.9% | 7.74% |
| 2 | Dhi Mortgage Company | B | 145 | 105 | 6.2% | 4.75% |
| 3 | Vanderbilt Mortgage and Finance | F | 127 | 76 | 3.2% | 5.75% |
| 4 | Rocket Mortgage | C | 74 | 50 | 24.3% | 6.50% |
| 5 | Crosscountry Mortgage | B | 70 | 51 | 1.4% | 6.63% |
| 6 | Fifth Third Bank | D | 64 | 35 | 28.1% | 7.63% |
| 7 | 21st Mortgage | F | 63 | 19 | 39.7% | 9.59% |
| 8 | NFM | A | 57 | 43 | 1.8% | 6.63% |
| 9 | PNC Bank | D | 55 | 33 | 25.5% | 7.75% |
| 10 | United Shore Financial Services | B | 55 | 43 | 9.1% | 6.13% |
| 11 | Kemba Financial Credit Union | C | 53 | 35 | 20.8% | 7.25% |
| 12 | Union Home Mortgage | B | 47 | 36 | 4.3% | 6.69% |
| 13 | Wright-Patt Credit Union | C | 44 | 18 | 40.9% | 7.50% |
| 14 | Guaranteed Rate | B | 42 | 26 | 0.0% | 6.33% |
| 15 | Third Federal Savings and Loan Association of Cleveland | C | 38 | 23 | 29.0% | 6.99% |
| 16 | Freedom Mortgage | B | 37 | 18 | 2.7% | 6.69% |
| 17 | Union Savings Bank | A | 34 | 25 | 2.9% | 6.88% |
| 18 | M/i Financial | A | 30 | 25 | 0.0% | 6.38% |
| 19 | Pennymac Loan Services | C | 29 | 18 | 13.8% | 6.50% |
| 20 | Newrez | D | 29 | 16 | 6.9% | 6.63% |
| 21 | Mortgage Research Center | C | 28 | 17 | 14.3% | 6.50% |
| 22 | Lower | C | 24 | 18 | 12.5% | 6.75% |
| 23 | Coastal Community Bank | C | 21 | 4 | 4.8% | 8.87% |
| 24 | Figure Lending | C | 21 | 8 | 33.3% | 8.63% |
| 25 | JPMorgan Chase Bank | B | 19 | 9 | 5.3% | 6.88% |
Best approval odds in Madison County
Lowest decision denial rate among lenders that decided at least 50 applications here in 2025.
| # | Lender | Decided | Decision denial rate |
|---|---|---|---|
| 1 | Crosscountry Mortgage | 52 | 1.9% |
| 2 | Vanderbilt Mortgage and Finance | 80 | 5.0% |
| 3 | Dhi Mortgage Company | 114 | 7.9% |
| 4 | Rocket Mortgage | 69 | 26.1% |
| 5 | The Huntington National Bank | 178 | 30.3% |
| 6 | Fifth Third Bank | 55 | 32.7% |
What Madison County borrowers applied for
By loan purpose
By loan type
Why applications were denied
Madison County by year
| Year | Applications | Originated | Denial rate | Median rate | Median loan |
|---|---|---|---|---|---|
| 2023 | 1,639 | 944 | 18.9% | 7.13% | $155,000 |
| 2024 | 1,907 | 1,130 | 18.7% | 7.00% | $175,000 |
| 2025 | 2,102 | 1,276 | 16.3% | 6.63% | $205,000 |
Frequently asked questions
16.3% of applications in Madison County were denied in 2025, against 17.7% statewide in Ohio.
The Huntington National Bank, with 201 applications in 2025 and a denial rate of 26.9%.
The median mortgage application in Madison County in 2025 was for $205,000; the median property value on originated loans was $355,000.