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Montgomery County, Ohio · 2025

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

453 lenders acted on 21,722 mortgage applications for properties in Montgomery County in 2025. 17.6% were denied (Ohio: 17.7%). Median rate on closed loans 6.75%; median loan $145,000; median property value $245,000.

22kApplications
17.6%Denial ratestate 17.7%
6.75%Median ratestate 6.88%
$145,000Median loan
$245,000Median property value

Largest lenders in Montgomery County

#LenderGradeApplicationsOriginatedDenial rateMedian rate
1 Wright-Patt Credit Union C 2,8181,684 28.0%7.25%
2 Fifth Third Bank D 1,485821 25.4%7.75%
3 Union Savings Bank A 1,160915 4.7%6.63%
4 Rocket Mortgage C 972707 17.5%6.63%
5 The Huntington National Bank D 940580 20.5%6.88%
6 Day Air Credit Union D 710423 15.1%7.24%
7 United Shore Financial Services B 622431 13.7%6.38%
8 Mortgage Research Center C 597313 14.1%6.25%
9 U.S. Bank D 452194 38.5%7.00%
10 PNC Bank D 428237 28.0%7.40%
11 Crosscountry Mortgage B 409292 2.0%6.88%
12 Freedom Mortgage B 368187 5.7%6.25%
13 Broker Solutions D 334167 6.6%6.88%
14 Primelending, a Plainscapital A 317252 2.5%6.75%
15 Newrez D 313106 17.6%6.75%
16 JPMorgan Chase Bank B 308178 11.4%6.50%
17 Pennymac Loan Services C 288137 11.5%6.00%
18 DAS Acquisition Company B 284211 1.8%6.75%
19 Cornerstone First Mortgage C 280221 0.7%6.75%
20 Loandepot.Com D 275184 17.1%6.75%
21 Guaranteed Rate B 265155 4.9%6.54%
22 Navy Federal Credit Union D 243138 15.6%6.38%
23 First Financial Bank D 237158 27.0%6.50%
24 NVR Mortgage Finance B 233133 26.2%6.25%
25 Fairway Independent Mortgage B 215149 5.1%6.88%

Best approval odds in Montgomery County

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

#LenderDecidedDecision denial rate
1Day-Met Credit Union680.0%
2Rf Renovo Management Company770.0%
3M/i Financial1060.0%
4Cornerstone First Mortgage2230.9%
5Coastal Community Bank1411.4%
6Union Home Mortgage1051.9%
7Ruoff Mortgage Company521.9%
8DAS Acquisition Company2372.1%
9Crosscountry Mortgage3062.6%
10Primelending, a Plainscapital2842.8%

What Montgomery County borrowers applied for

By loan purpose

Home purchase 9,638 44% · 8.3% denied
Refinance 3,391 16% · 15.9% denied
Cash-out refinance 3,370 16% · 21.6% denied
Home improvement 2,735 13% · 34.2% denied
Other / HELOC 2,588 12% · 31.8% denied

By loan type

Conventional 16,083 74% · 19.0% denied
FHA 3,158 15% · 16.6% denied
VA 2,454 11% · 10.5% denied
USDA / RHS 27 0% · 11.1% denied

Why applications were denied

Credit history 1,189 31%
Debt-to-income ratio 1,036 27%
Incomplete application 611 16%
Collateral 470 12%
Other 320 8%
Unverifiable information 102 3%
Insufficient cash 53 1%
Employment history 44 1%
Mortgage insurance denied 1 0%

Montgomery County by year

YearApplicationsOriginatedDenial rateMedian rateMedian loan
202317,79810,55818.8%7.13%$125,000
202419,60011,68518.2%7.00%$135,000
202521,72212,89517.6%6.75%$145,000

Frequently asked questions

17.6% of applications in Montgomery County were denied in 2025, against 17.7% statewide in Ohio.

Wright-Patt Credit Union, with 2,818 applications in 2025 and a denial rate of 28.0%.

The median mortgage application in Montgomery County in 2025 was for $145,000; the median property value on originated loans was $245,000.