Largest lenders in Morgan County
| # | Lender | Grade | Applications | Originated | Denial rate | Median rate |
|---|---|---|---|---|---|---|
| 1 | Peoples Bank | C | 64 | 50 | 10.9% | 7.50% |
| 2 | The First National Bank of McConnelsville | – | 28 | 26 | 0.0% | — |
| 3 | Rocket Mortgage | C | 19 | 12 | 31.6% | 6.50% |
| 4 | North Valley Bank | C | 15 | 11 | 6.7% | — |
| 5 | Vanderbilt Mortgage and Finance | F | 13 | 1 | 23.1% | 8.75% |
| 6 | The Huntington National Bank | D | 12 | 4 | 25.0% | 6.81% |
| 7 | The Waterford Commercial and Savings Bank | – | 10 | 8 | 10.0% | — |
| 8 | Mortgage Research Center | C | 10 | 4 | 40.0% | 6.63% |
| 9 | United Shore Financial Services | B | 8 | 6 | 25.0% | 6.68% |
| 10 | Broker Solutions | D | 8 | 6 | 0.0% | 6.56% |
| 11 | Pennymac Loan Services | C | 6 | 2 | 0.0% | 6.94% |
| 12 | PNC Bank | D | 6 | 4 | 16.7% | 7.35% |
| 13 | NFM | A | 6 | 2 | 0.0% | 6.75% |
| 14 | Freedom Mortgage | B | 6 | 2 | 33.3% | 6.19% |
| 15 | The Park National Bank | C | 6 | 6 | 0.0% | 7.44% |
| 16 | Click n' Close | C | 6 | 2 | 0.0% | 6.56% |
| 17 | Southwest Stage Funding | F | 6 | 2 | 16.7% | 6.98% |
| 18 | Coastal Community Bank | C | 6 | 2 | 0.0% | 14.24% |
| 19 | Crosscountry Mortgage | B | 5 | 3 | 0.0% | 6.08% |
| 20 | Newrez | D | 5 | 2 | 20.0% | 6.31% |
| 21 | Figure Lending | C | 5 | 2 | 0.0% | 9.85% |
Best approval odds in Morgan County
Lowest decision denial rate among lenders that decided at least 50 applications here in 2025.
| # | Lender | Decided | Decision denial rate |
|---|---|---|---|
| 1 | Peoples Bank | 58 | 12.1% |
What Morgan County borrowers applied for
By loan purpose
By loan type
Why applications were denied
Morgan County by year
| Year | Applications | Originated | Denial rate | Median rate | Median loan |
|---|---|---|---|---|---|
| 2023 | 364 | 240 | 13.2% | 7.13% | $125,000 |
| 2024 | 347 | 201 | 18.2% | 7.13% | $135,000 |
| 2025 | 375 | 229 | 13.6% | 7.00% | $135,000 |
Frequently asked questions
13.6% of applications in Morgan County were denied in 2025, against 17.7% statewide in Ohio.
Peoples Bank, with 64 applications in 2025 and a denial rate of 10.9%.
The median mortgage application in Morgan County in 2025 was for $135,000; the median property value on originated loans was $235,000.