Largest lenders in Wayne County
| # | Lender | Grade | Applications | Originated | Denial rate | Median rate |
|---|---|---|---|---|---|---|
| 1 | The Huntington National Bank | D | 501 | 309 | 23.8% | 7.79% |
| 2 | The Farmers National Bank of Canfield | B | 267 | 211 | 13.9% | 6.50% |
| 3 | Crosscountry Mortgage | B | 256 | 192 | 3.9% | 6.75% |
| 4 | PNC Bank | D | 233 | 149 | 18.5% | 7.31% |
| 5 | Rocket Mortgage | C | 232 | 176 | 15.1% | 6.63% |
| 6 | Main Street Bank | C | 117 | 91 | 6.0% | — |
| 7 | United Shore Financial Services | B | 91 | 56 | 8.8% | 6.00% |
| 8 | Union Home Mortgage | B | 76 | 69 | 4.0% | 6.75% |
| 9 | Mortgage Research Center | C | 70 | 36 | 17.1% | 6.25% |
| 10 | Triad Financial Services | D | 64 | 28 | 21.9% | 6.75% |
| 11 | Third Federal Savings and Loan Association of Cleveland | C | 59 | 42 | 11.9% | 6.74% |
| 12 | The Apple Creek Banking | – | 59 | 45 | 8.5% | — |
| 13 | The Commercial and Savings Bank of Millersburg, Ohio | B | 56 | 50 | 5.4% | — |
| 14 | Pennymac Loan Services | C | 54 | 30 | 13.0% | 6.19% |
| 15 | U.S. Bank | D | 54 | 24 | 40.7% | 7.61% |
| 16 | JPMorgan Chase Bank | B | 42 | 27 | 19.1% | 7.00% |
| 17 | United Trust Bank | C | 41 | 38 | 4.9% | 6.81% |
| 18 | Coastal Community Bank | C | 39 | 18 | 0.0% | 8.87% |
| 19 | Freedom Mortgage | B | 37 | 11 | 13.5% | 6.63% |
| 20 | The Park National Bank | C | 36 | 24 | 19.4% | 7.13% |
| 21 | Figure Lending | C | 36 | 20 | 22.2% | 8.00% |
| 22 | Directions Credit Union | B | 34 | 25 | 23.5% | 7.00% |
| 23 | Fifth Third Bank | D | 33 | 20 | 18.2% | 7.63% |
| 24 | Alcova Mortgage | A | 33 | 30 | 0.0% | 6.75% |
| 25 | Fairway Independent Mortgage | B | 31 | 27 | 3.2% | 6.49% |
Best approval odds in Wayne County
Lowest decision denial rate among lenders that decided at least 50 applications here in 2025.
| # | Lender | Decided | Decision denial rate |
|---|---|---|---|
| 1 | Union Home Mortgage | 72 | 4.2% |
| 2 | Crosscountry Mortgage | 207 | 4.8% |
| 3 | The Commercial and Savings Bank of Millersburg, Ohio | 53 | 5.7% |
| 4 | Main Street Bank | 104 | 6.7% |
| 5 | The Apple Creek Banking | 58 | 8.6% |
| 6 | United Shore Financial Services | 67 | 11.9% |
| 7 | Third Federal Savings and Loan Association of Cleveland | 50 | 14.0% |
| 8 | The Farmers National Bank of Canfield | 251 | 14.7% |
| 9 | Rocket Mortgage | 216 | 16.2% |
| 10 | PNC Bank | 198 | 21.7% |
What Wayne County borrowers applied for
By loan purpose
By loan type
Why applications were denied
Wayne County by year
| Year | Applications | Originated | Denial rate | Median rate | Median loan |
|---|---|---|---|---|---|
| 2023 | 3,112 | 1,870 | 19.7% | 7.08% | $125,000 |
| 2024 | 3,225 | 2,022 | 19.2% | 7.00% | $145,000 |
| 2025 | 3,550 | 2,303 | 15.8% | 6.88% | $155,000 |
Frequently asked questions
15.8% of applications in Wayne County were denied in 2025, against 17.7% statewide in Ohio.
The Huntington National Bank, with 501 applications in 2025 and a denial rate of 23.8%.
The median mortgage application in Wayne County in 2025 was for $155,000; the median property value on originated loans was $275,000.