Largest lenders in Ross County
| # | Lender | Grade | Applications | Originated | Denial rate | Median rate |
|---|---|---|---|---|---|---|
| 1 | Guaranteed Rate | B | 237 | 188 | 1.3% | 6.58% |
| 2 | The Huntington National Bank | D | 184 | 91 | 36.4% | 7.99% |
| 3 | The Vinton County National Bank | C | 161 | 120 | 14.9% | 7.44% |
| 4 | Vanderbilt Mortgage and Finance | F | 127 | 19 | 39.4% | 9.99% |
| 5 | Fifth Third Bank | D | 118 | 52 | 28.0% | 7.63% |
| 6 | Rocket Mortgage | C | 110 | 85 | 15.5% | 6.75% |
| 7 | Gold Star Mortgage Financial Group | C | 101 | 53 | 1.0% | 7.13% |
| 8 | United Shore Financial Services | B | 94 | 64 | 18.1% | 6.16% |
| 9 | Atomic Credit Union | F | 89 | 31 | 46.1% | — |
| 10 | Kingston National Bank | C | 66 | 58 | 4.6% | — |
| 11 | WesBanco Bank | B | 64 | 39 | 21.9% | 5.88% |
| 12 | Union Home Mortgage | B | 63 | 51 | 7.9% | 6.99% |
| 13 | Mortgage Research Center | C | 60 | 30 | 21.7% | 6.38% |
| 14 | American Neighborhood Mortgage Acceptance Company | B | 52 | 36 | 0.0% | 6.75% |
| 15 | Pennymac Loan Services | C | 49 | 30 | 12.2% | 6.25% |
| 16 | PNC Bank | D | 47 | 29 | 25.5% | 7.49% |
| 17 | Freedom Mortgage | B | 44 | 21 | 11.4% | 6.25% |
| 18 | Crosscountry Mortgage | B | 43 | 24 | 7.0% | 6.72% |
| 19 | 21st Mortgage | F | 38 | 4 | 42.1% | 11.11% |
| 20 | Loandepot.Com | D | 33 | 18 | 39.4% | 6.93% |
| 21 | Triad Financial Services | D | 31 | 3 | 61.3% | 9.75% |
| 22 | U.S. Bank | D | 30 | 12 | 46.7% | 6.83% |
| 23 | LCNB National Bank | A | 29 | 28 | 3.5% | 6.81% |
| 24 | Homeland Credit Union | – | 27 | 20 | 18.5% | 6.56% |
| 25 | Nationstar Mortgage | C | 27 | 15 | 7.4% | 7.75% |
Best approval odds in Ross County
Lowest decision denial rate among lenders that decided at least 50 applications here in 2025.
| # | Lender | Decided | Decision denial rate |
|---|---|---|---|
| 1 | Gold Star Mortgage Financial Group | 69 | 1.5% |
| 2 | Guaranteed Rate | 191 | 1.6% |
| 3 | Kingston National Bank | 61 | 4.9% |
| 4 | Union Home Mortgage | 56 | 8.9% |
| 5 | The Vinton County National Bank | 160 | 15.0% |
| 6 | Rocket Mortgage | 103 | 16.5% |
| 7 | United Shore Financial Services | 84 | 20.2% |
| 8 | WesBanco Bank | 54 | 25.9% |
| 9 | Fifth Third Bank | 85 | 38.8% |
| 10 | The Huntington National Bank | 161 | 41.6% |
What Ross County borrowers applied for
By loan purpose
By loan type
Why applications were denied
Ross County by year
| Year | Applications | Originated | Denial rate | Median rate | Median loan |
|---|---|---|---|---|---|
| 2023 | 2,119 | 1,191 | 20.2% | 7.13% | $125,000 |
| 2024 | 2,229 | 1,220 | 19.3% | 7.00% | $145,000 |
| 2025 | 2,646 | 1,492 | 20.1% | 6.88% | $155,000 |
Frequently asked questions
20.1% of applications in Ross County were denied in 2025, against 17.7% statewide in Ohio.
Guaranteed Rate, with 237 applications in 2025 and a denial rate of 1.3%.
The median mortgage application in Ross County in 2025 was for $155,000; the median property value on originated loans was $245,000.