Find a better mortgage lender

Summit County, Ohio · 2025

Mortgage lenders in Summit County, OH: denial rates and top lenders (2025)

432 lenders acted on 21,848 mortgage applications for properties in Summit County in 2025. 16.3% were denied (Ohio: 17.7%). Median rate on closed loans 6.89%; median loan $135,000; median property value $255,000.

22kApplications
16.3%Denial ratestate 17.7%
6.89%Median ratestate 6.88%
$135,000Median loan
$255,000Median property value

Largest lenders in Summit County

#LenderGradeApplicationsOriginatedDenial rateMedian rate
1 The Huntington National Bank D 3,0451,813 24.6%7.74%
2 Crosscountry Mortgage B 1,379999 2.2%6.88%
3 Rocket Mortgage C 1,232923 15.3%6.75%
4 Third Federal Savings and Loan Association of Cleveland C 1,176778 21.2%6.74%
5 Citizens Bank C 867522 24.6%7.65%
6 Fifth Third Bank D 814508 22.2%7.66%
7 PNC Bank D 762451 19.6%7.61%
8 United Shore Financial Services B 592433 13.3%6.60%
9 Fairway Independent Mortgage B 500401 1.0%6.63%
10 JPMorgan Chase Bank B 396256 9.3%6.56%
11 U.S. Bank D 343162 40.8%7.39%
12 Towpath Credit Union C 340201 9.4%7.25%
13 Synergy One Lending C 302238 3.6%6.63%
14 Union Home Mortgage B 283231 3.2%6.88%
15 Mortgage Research Center C 268113 22.4%6.25%
16 Coastal Community Bank C 26163 0.8%10.49%
17 Howard Hanna Financial Services A 261226 0.8%6.62%
18 Pennymac Loan Services C 257128 12.1%6.50%
19 Ruoff Mortgage Company A 249173 7.6%6.75%
20 Kiavi Funding D 23591 4.7%9.95%
21 Guaranteed Rate B 213125 2.4%6.75%
22 Navy Federal Credit Union D 19181 22.5%7.25%
23 Bpl Mortgage Trust D 190139 12.6%7.75%
24 Freedom Mortgage B 18982 9.5%6.25%
25 Newrez D 18556 26.0%6.38%

Best approval odds in Summit County

Lowest decision denial rate among lenders that decided at least 50 applications here in 2025.

#LenderDecidedDecision denial rate
1First Ohio Home Finance560.0%
2NFM630.0%
3Nations Lending1200.0%
4Howard Hanna Financial Services2290.9%
5Rf Renovo Management Company1041.0%
6Coastal Community Bank1941.0%
7Fairway Independent Mortgage4111.2%
8Crosscountry Mortgage1,0462.9%
9Union Capital Mortgage673.0%
10Union Home Mortgage2433.7%

What Summit County borrowers applied for

By loan purpose

Home purchase 8,767 40% · 6.5% denied
Refinance 3,715 17% · 15.8% denied
Cash-out refinance 3,554 16% · 21.8% denied
Home improvement 2,907 13% · 28.2% denied
Other / HELOC 2,905 13% · 28.2% denied

By loan type

Conventional 17,978 82% · 16.5% denied
FHA 2,773 13% · 16.3% denied
VA 1,097 5% · 14.3% denied

Why applications were denied

Credit history 1,074 30%
Debt-to-income ratio 1,068 30%
Collateral 501 14%
Incomplete application 460 13%
Other 246 7%
Unverifiable information 132 4%
Insufficient cash 62 2%
Employment history 23 1%
Mortgage insurance denied 1 0%

Summit County by year

YearApplicationsOriginatedDenial rateMedian rateMedian loan
202318,75111,37619.5%7.24%$115,000
202419,97412,12218.5%7.13%$125,000
202521,84813,45216.3%6.89%$135,000

Frequently asked questions

16.3% of applications in Summit County were denied in 2025, against 17.7% statewide in Ohio.

The Huntington National Bank, with 3,045 applications in 2025 and a denial rate of 24.6%.

The median mortgage application in Summit County in 2025 was for $135,000; the median property value on originated loans was $255,000.