Find a better mortgage lender

Miami County, Ohio · 2025

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

267 lenders acted on 4,905 mortgage applications for properties in Miami County in 2025. 17.7% were denied (Ohio: 17.7%). Median rate on closed loans 6.75%; median loan $155,000; median property value $285,000.

4.9kApplications
17.7%Denial ratestate 17.7%
6.75%Median ratestate 6.88%
$155,000Median loan
$285,000Median property value

Largest lenders in Miami County

#LenderGradeApplicationsOriginatedDenial rateMedian rate
1 Wright-Patt Credit Union C 626384 26.0%7.50%
2 Fifth Third Bank D 431256 26.0%7.75%
3 Union Savings Bank A 279231 3.6%6.75%
4 Rocket Mortgage C 204144 20.6%6.50%
5 U.S. Bank D 18488 33.2%7.25%
6 Loandepot.Com D 158111 9.5%6.58%
7 The Huntington National Bank D 15082 22.7%7.32%
8 Crosscountry Mortgage B 11586 4.4%6.75%
9 The Park National Bank C 10977 13.8%7.25%
10 United Shore Financial Services B 10778 12.2%6.00%
11 Cornerstone First Mortgage C 10592 0.0%6.75%
12 PNC Bank D 9655 30.2%7.43%
13 Vanderbilt Mortgage and Finance F 9266 5.4%5.63%
14 Newrez D 8941 12.4%6.75%
15 Mortgage Research Center C 8643 19.8%6.25%
16 Guaranteed Rate B 8457 1.2%6.54%
17 Pennymac Loan Services C 7837 12.8%6.13%
18 21st Mortgage F 747 56.8%9.40%
19 Freedom Mortgage B 7431 5.4%6.13%
20 First Financial Bank D 6444 20.3%5.99%
21 NVR Mortgage Finance B 6446 12.5%6.25%
22 Coastal Community Bank C 6018 3.3%12.62%
23 JPMorgan Chase Bank B 5838 12.1%6.69%
24 Greenville Federal B 5249 3.9%6.13%
25 Union Home Mortgage B 4431 0.0%6.75%

Best approval odds in Miami County

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

#LenderDecidedDecision denial rate
1Cornerstone First Mortgage920.0%
2Guaranteed Rate601.7%
3Greenville Federal513.9%
4Union Savings Bank2484.0%
5Crosscountry Mortgage955.3%
6Vanderbilt Mortgage and Finance717.0%
7Loandepot.Com12811.7%
8United Shore Financial Services9413.8%
9NVR Mortgage Finance5414.8%
10The Park National Bank9316.1%

What Miami County borrowers applied for

By loan purpose

Home purchase 2,054 42% · 7.3% denied
Refinance 844 17% · 16.7% denied
Cash-out refinance 767 16% · 23.1% denied
Home improvement 601 12% · 30.1% denied
Other / HELOC 639 13% · 34.0% denied

By loan type

Conventional 3,713 76% · 19.1% denied
FHA 678 14% · 15.5% denied
VA 496 10% · 10.1% denied
USDA / RHS 18 0% · 5.6% denied

Why applications were denied

Credit history 261 30%
Debt-to-income ratio 256 30%
Collateral 136 16%
Incomplete application 127 15%
Other 51 6%
Unverifiable information 21 2%
Insufficient cash 7 1%
Employment history 5 1%

Miami County by year

YearApplicationsOriginatedDenial rateMedian rateMedian loan
20234,0212,58317.7%7.13%$125,000
20244,1062,62817.7%6.99%$145,000
20254,9052,99517.7%6.75%$155,000

Frequently asked questions

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

Wright-Patt Credit Union, with 626 applications in 2025 and a denial rate of 26.0%.

The median mortgage application in Miami County in 2025 was for $155,000; the median property value on originated loans was $285,000.