Largest lenders in Morrow County
| # | Lender | Grade | Applications | Originated | Denial rate | Median rate |
|---|---|---|---|---|---|---|
| 1 | The Huntington National Bank | D | 108 | 69 | 23.2% | 7.74% |
| 2 | Rocket Mortgage | C | 104 | 78 | 17.3% | 6.69% |
| 3 | The Park National Bank | C | 102 | 62 | 26.5% | 7.50% |
| 4 | Union Home Mortgage | B | 72 | 51 | 6.9% | 6.63% |
| 5 | U.S. Bank | D | 41 | 14 | 48.8% | 8.35% |
| 6 | Crosscountry Mortgage | B | 38 | 25 | 0.0% | 6.58% |
| 7 | 21st Mortgage | F | 36 | 17 | 38.9% | 9.71% |
| 8 | United Shore Financial Services | B | 36 | 28 | 8.3% | 6.04% |
| 9 | Lower | C | 35 | 24 | 8.6% | 6.99% |
| 10 | JPMorgan Chase Bank | B | 32 | 18 | 18.8% | 6.56% |
| 11 | Triad Financial Services | D | 31 | 1 | 54.8% | 10.55% |
| 12 | Kemba Financial Credit Union | C | 30 | 20 | 26.7% | 7.00% |
| 13 | Vanderbilt Mortgage and Finance | F | 30 | 5 | 3.3% | 10.50% |
| 14 | Freedom Mortgage | B | 29 | 12 | 3.5% | 6.50% |
| 15 | First Commonwealth Bank | C | 28 | 21 | 21.4% | 6.18% |
| 16 | Pennymac Loan Services | C | 28 | 17 | 3.6% | 6.38% |
| 17 | Fifth Third Bank | D | 27 | 16 | 22.2% | 7.50% |
| 18 | CNB Bank | A | 27 | 23 | 3.7% | 6.25% |
| 19 | First Federal Bank of Ohio | B | 27 | 21 | 11.1% | — |
| 20 | PNC Bank | D | 26 | 12 | 30.8% | 6.44% |
| 21 | Fairway Independent Mortgage | B | 24 | 18 | 4.2% | 6.88% |
| 22 | NFM | A | 24 | 18 | 0.0% | 6.75% |
| 23 | Farm Credit Mid-America | D | 23 | 15 | 8.7% | 7.00% |
| 24 | Mortgage Research Center | C | 22 | 9 | 22.7% | 5.75% |
| 25 | Mechanics Bank | B | 21 | 18 | 0.0% | 6.19% |
Best approval odds in Morrow County
Lowest decision denial rate among lenders that decided at least 50 applications here in 2025.
| # | Lender | Decided | Decision denial rate |
|---|---|---|---|
| 1 | Union Home Mortgage | 58 | 8.6% |
| 2 | Rocket Mortgage | 100 | 18.0% |
| 3 | The Huntington National Bank | 96 | 26.0% |
| 4 | The Park National Bank | 90 | 30.0% |
What Morrow County borrowers applied for
By loan purpose
By loan type
Why applications were denied
Morrow County by year
| Year | Applications | Originated | Denial rate | Median rate | Median loan |
|---|---|---|---|---|---|
| 2023 | 1,325 | 742 | 22.3% | 7.24% | $135,000 |
| 2024 | 1,385 | 763 | 23.5% | 7.13% | $145,000 |
| 2025 | 1,620 | 944 | 19.3% | 6.75% | $165,000 |
Frequently asked questions
19.3% of applications in Morrow County were denied in 2025, against 17.7% statewide in Ohio.
The Huntington National Bank, with 108 applications in 2025 and a denial rate of 23.2%.
The median mortgage application in Morrow County in 2025 was for $165,000; the median property value on originated loans was $355,000.