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Warren County, Ohio · 2025

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

393 lenders acted on 11,899 mortgage applications for properties in Warren County in 2025. 13.5% were denied (Ohio: 17.7%). Median rate on closed loans 6.72%; median loan $245,000; median property value $435,000.

12kApplications
13.5%Denial ratestate 17.7%
6.72%Median ratestate 6.88%
$245,000Median loan
$435,000Median property value

Largest lenders in Warren County

#LenderGradeApplicationsOriginatedDenial rateMedian rate
1 Fifth Third Bank D 977571 20.4%7.50%
2 The Huntington National Bank D 752483 22.9%7.24%
3 Union Savings Bank A 690554 4.9%6.75%
4 United Shore Financial Services B 573451 7.7%6.13%
5 Rocket Mortgage C 544413 13.4%6.63%
6 Wright-Patt Credit Union C 485320 24.3%7.25%
7 U.S. Bank D 286163 24.5%7.40%
8 Third Federal Savings and Loan Association of Cleveland C 265165 22.3%6.89%
9 PNC Bank D 259148 25.1%7.81%
10 Victory Mortgage A 219184 3.7%6.00%
11 Newrez D 19969 17.1%6.75%
12 First Financial Bank D 198147 16.7%5.99%
13 General Electric Credit Union A 196131 11.2%5.99%
14 Crosscountry Mortgage B 183131 1.6%6.75%
15 Freedom Mortgage B 17181 6.4%6.13%
16 Mortgage Research Center C 16369 19.6%6.25%
17 Union Home Mortgage B 158120 6.3%6.63%
18 1st National Bank A 152120 0.7%6.25%
19 Pennymac Loan Services C 13678 5.2%6.12%
20 Primelending, a Plainscapital A 131108 1.5%6.63%
21 First Community Mortgage A 130109 2.3%6.75%
22 Guardian Savings Bank B 13091 15.4%6.50%
23 JPMorgan Chase Bank B 12990 8.5%6.13%
24 Coastal Community Bank C 12432 4.0%10.12%
25 NVR Mortgage Finance B 118102 6.8%6.13%

Best approval odds in Warren County

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

#LenderDecidedDecision denial rate
11st National Bank1210.8%
2M/i Financial631.6%
3Primelending, a Plainscapital1181.7%
4Crosscountry Mortgage1362.2%
5First Community Mortgage1202.5%
6DAS Acquisition Company722.8%
7Victory Mortgage1924.2%
8Coastal Community Bank935.4%
9Union Savings Bank6025.7%
10Ruoff Mortgage Company1006.0%

What Warren County borrowers applied for

By loan purpose

Home purchase 4,809 40% · 5.5% denied
Refinance 2,216 19% · 12.8% denied
Cash-out refinance 1,859 16% · 16.5% denied
Home improvement 1,372 12% · 24.9% denied
Other / HELOC 1,643 14% · 25.0% denied

By loan type

Conventional 9,902 83% · 14.1% denied
FHA 1,106 9% · 11.5% denied
VA 873 7% · 9.7% denied
USDA / RHS 18 0% · 16.7% denied

Why applications were denied

Debt-to-income ratio 576 36%
Credit history 405 25%
Incomplete application 222 14%
Collateral 185 12%
Other 120 7%
Unverifiable information 47 3%
Insufficient cash 31 2%
Employment history 16 1%

Warren County by year

YearApplicationsOriginatedDenial rateMedian rateMedian loan
20239,2685,83516.5%6.99%$195,000
202410,0306,38615.7%6.99%$215,000
202511,8997,68313.5%6.72%$245,000

Frequently asked questions

13.5% of applications in Warren County were denied in 2025, against 17.7% statewide in Ohio.

Fifth Third Bank, with 977 applications in 2025 and a denial rate of 20.4%.

The median mortgage application in Warren County in 2025 was for $245,000; the median property value on originated loans was $435,000.