Largest lenders in Scioto County
| # | Lender | Grade | Applications | Originated | Denial rate | Median rate |
|---|---|---|---|---|---|---|
| 1 | Fifth Third Bank | D | 204 | 109 | 23.5% | 6.63% |
| 2 | Desco | C | 180 | 105 | 10.0% | 6.50% |
| 3 | U.S. Bank | D | 164 | 100 | 25.0% | 6.56% |
| 4 | Vanderbilt Mortgage and Finance | F | 145 | 12 | 31.7% | 10.12% |
| 5 | Atomic Credit Union | F | 144 | 70 | 37.5% | — |
| 6 | Peoples Bank | C | 111 | 81 | 17.1% | 7.25% |
| 7 | Rocket Mortgage | C | 105 | 66 | 26.7% | 6.69% |
| 8 | Citizens Bank | C | 86 | 51 | 23.3% | 7.65% |
| 9 | WesBanco Bank | B | 62 | 44 | 12.9% | 4.93% |
| 10 | Mortgage Research Center | C | 60 | 26 | 23.3% | 6.50% |
| 11 | Triad Financial Services | D | 49 | 1 | 63.3% | 9.20% |
| 12 | Guaranteed Rate | B | 48 | 17 | 4.2% | 6.75% |
| 13 | PNC Bank | D | 45 | 21 | 33.3% | 7.49% |
| 14 | United Shore Financial Services | B | 41 | 28 | 12.2% | 6.19% |
| 15 | Bayshore Mortgage Funding | C | 38 | 26 | 7.9% | 7.06% |
| 16 | Broker Solutions | D | 28 | 6 | 7.1% | 6.87% |
| 17 | Credit Human Federal Credit Union | D | 27 | 0 | 88.9% | — |
| 18 | Loandepot.Com | D | 26 | 15 | 23.1% | 7.50% |
| 19 | Southwest Stage Funding | F | 24 | 4 | 8.3% | 8.88% |
| 20 | Coastal Community Bank | C | 24 | 8 | 4.2% | 11.74% |
| 21 | AmeriSave Mortgage | D | 22 | 7 | 45.5% | 7.38% |
| 22 | Pennymac Loan Services | C | 20 | 8 | 20.0% | 6.19% |
| 23 | 21st Mortgage | F | 20 | 3 | 50.0% | 8.77% |
| 24 | Rapid Mortgage | B | 19 | 12 | 0.0% | 6.63% |
| 25 | First State Bank | B | 19 | 12 | 36.8% | 7.50% |
Best approval odds in Scioto County
Lowest decision denial rate among lenders that decided at least 50 applications here in 2025.
| # | Lender | Decided | Decision denial rate |
|---|---|---|---|
| 1 | Desco | 130 | 13.9% |
| 2 | WesBanco Bank | 53 | 15.1% |
| 3 | Peoples Bank | 101 | 18.8% |
| 4 | Citizens Bank | 75 | 26.7% |
| 5 | U.S. Bank | 145 | 28.3% |
| 6 | Rocket Mortgage | 95 | 29.5% |
| 7 | Fifth Third Bank | 159 | 30.2% |
| 8 | Atomic Credit Union | 124 | 43.6% |
| 9 | Vanderbilt Mortgage and Finance | 61 | 75.4% |
What Scioto County borrowers applied for
By loan purpose
By loan type
Why applications were denied
Scioto County by year
| Year | Applications | Originated | Denial rate | Median rate | Median loan |
|---|---|---|---|---|---|
| 2023 | 1,911 | 975 | 24.3% | 7.00% | $95,000 |
| 2024 | 2,041 | 1,030 | 26.2% | 7.00% | $105,000 |
| 2025 | 2,272 | 1,121 | 23.3% | 6.75% | $115,000 |
Frequently asked questions
23.3% of applications in Scioto County were denied in 2025, against 17.7% statewide in Ohio.
Fifth Third Bank, with 204 applications in 2025 and a denial rate of 23.5%.
The median mortgage application in Scioto County in 2025 was for $115,000; the median property value on originated loans was $195,000.