Largest lenders in Sandusky County
| # | Lender | Grade | Applications | Originated | Denial rate | Median rate |
|---|---|---|---|---|---|---|
| 1 | FREMONT Federal Credit Union | A | 384 | 350 | 4.2% | 7.25% |
| 2 | The Huntington National Bank | D | 170 | 111 | 18.8% | 7.74% |
| 3 | Rocket Mortgage | C | 126 | 91 | 15.9% | 6.88% |
| 4 | Fifth Third Bank | D | 88 | 60 | 25.0% | 7.19% |
| 5 | The Croghan Colonial Bank | C | 83 | 58 | 9.6% | — |
| 6 | Loandepot.Com | D | 71 | 51 | 12.7% | 6.75% |
| 7 | U.S. Bank | D | 45 | 26 | 28.9% | 6.88% |
| 8 | Union Home Mortgage | B | 43 | 31 | 2.3% | 6.88% |
| 9 | United Shore Financial Services | B | 43 | 36 | 7.0% | 6.13% |
| 10 | Crosscountry Mortgage | B | 41 | 24 | 0.0% | 6.85% |
| 11 | Mortgage Research Center | C | 36 | 20 | 8.3% | 6.38% |
| 12 | The Genoa Banking | A | 27 | 23 | 3.7% | — |
| 13 | Vanderbilt Mortgage and Finance | F | 27 | 3 | 44.4% | 8.00% |
| 14 | WesBanco Bank | B | 26 | 19 | 7.7% | 6.24% |
| 15 | Newrez | D | 24 | 9 | 12.5% | 6.88% |
| 16 | Broker Solutions | D | 22 | 10 | 0.0% | 6.99% |
| 17 | AmeriSave Mortgage | D | 21 | 5 | 66.7% | 6.75% |
| 18 | Your Home Financial | C | 20 | 15 | 0.0% | 6.88% |
| 19 | KeyBank | C | 19 | 13 | 15.8% | 6.63% |
| 20 | Union Capital Mortgage | B | 19 | 16 | 15.8% | 6.56% |
| 21 | Coastal Community Bank | C | 19 | 5 | 0.0% | 13.74% |
| 22 | The Union Bank | C | 19 | 14 | 15.8% | — |
| 23 | Pennymac Loan Services | C | 18 | 10 | 16.7% | 6.94% |
| 24 | Howard Hanna Financial Services | A | 18 | 15 | 0.0% | 6.50% |
| 25 | Figure Lending | C | 17 | 9 | 0.0% | 8.05% |
Best approval odds in Sandusky County
Lowest decision denial rate among lenders that decided at least 50 applications here in 2025.
| # | Lender | Decided | Decision denial rate |
|---|---|---|---|
| 1 | FREMONT Federal Credit Union | 366 | 4.4% |
| 2 | The Croghan Colonial Bank | 66 | 12.1% |
| 3 | Loandepot.Com | 61 | 14.8% |
| 4 | Rocket Mortgage | 115 | 17.4% |
| 5 | The Huntington National Bank | 145 | 22.1% |
| 6 | Fifth Third Bank | 83 | 26.5% |
What Sandusky County borrowers applied for
By loan purpose
By loan type
Why applications were denied
Sandusky County by year
| Year | Applications | Originated | Denial rate | Median rate | Median loan |
|---|---|---|---|---|---|
| 2023 | 1,280 | 805 | 16.5% | 6.88% | $115,000 |
| 2024 | 1,447 | 892 | 20.3% | 6.88% | $115,000 |
| 2025 | 1,874 | 1,262 | 13.7% | 6.99% | $115,000 |
Frequently asked questions
13.7% of applications in Sandusky County were denied in 2025, against 17.7% statewide in Ohio.
FREMONT Federal Credit Union, with 384 applications in 2025 and a denial rate of 4.2%.
The median mortgage application in Sandusky County in 2025 was for $115,000; the median property value on originated loans was $195,000.