Mortgage lending in Guernsey County, Ohio
Lenders in Guernsey County, Ohio reported 1,318 mortgage applications for 2025, according to the CFPB.
1,318 mortgage applications and 767 loans originated in 2025; the denial rate was 24.1% of 1,064 applications decided. The median loan was about $135,000. From 2025, the CFPB’s Snapshot release.
HUD’s Fair Market Rent for the county, on the housing hub: Guernsey County, OH.
- 1,318
- Applications
- 767
- Loans originated
- 24.1%
- Denial rate
- 256 denied of 1,064 applications decided.
Every year
1 more column on a wider screen
| Year | Applications | Originated |
|---|---|---|
| 2025 | 1,318 | 767 |
| 2024 | 1,133 | 678 |
| 2023 | 1,128 | 657 |
| 2022 | 1,461 | 900 |
| 2021 | 1,768 | 1,136 |
| 2020 | 1,632 | 1,097 |
| 2019 | 1,346 | 840 |
| 2018 | 1,219 | 706 |
The largest lenders here
| Lender | Originated | Applications |
|---|---|---|
| Huntington National Bank | 130 | 203 |
| Peoples Bank | 88 | 108 |
| Rocket Mortgage | 48 | 72 |
| First Ohio Home Finance | 44 | 45 |
| The Community Bank | 33 | 43 |
| United Wholesale Mortgage | 29 | 36 |
| Wesbanco Bank, Inc. | 25 | 35 |
| The Park National Bank | 24 | 38 |
| Mortgage Research Center | 22 | 38 |
| New American Funding, LLC. | 22 | 35 |
| PNC Bank N.A. | 20 | 50 |
| Farm Credit Mid-America, Aca | 18 | 22 |
| Click n' Close, Inc. | 15 | 19 |
| US Bank, N.A. | 14 | 36 |
| MORTGAGE300 Corporation | 13 | 18 |
| Crosscountry Mortgage, LLC | 12 | 22 |
| Equity Resources Inc | 11 | 14 |
| NFM, Inc | 10 | 14 |
| Freedom Mortgage Corporation | 9 | 25 |
| Ixonia Bank | 9 | 11 |
| The Citizens National Bank | 6 | 6 |
| CV3 Financial Services, LLC | 6 | 10 |
| Vanderbilt Mortgage and Finance, Inc | 6 | 38 |
| Union Home Mortgage Corp. | 6 | 6 |
| Woodsfield Savings Bank | 5 | 13 |
Applications by race, ethnicity and sex, 2025
| Category | Applications | Denial rate |
|---|---|---|
| American Indian or Alaska Native | under 10 | |
| Asian | under 10 | |
| Black or African American | 15 | no rate: base under 50 |
| White | 1,115 | 23.1% of 916 decided |
| 2 or more minority races | under 10 | |
| Joint | 11 | no rate: base under 50 |
| Race Not Available | 165 | 25.8% of 120 decided |
| Category | Applications | Denial rate |
|---|---|---|
| Hispanic or Latino | 21 | no rate: base under 50 |
| Not Hispanic or Latino | 1,114 | 23.3% of 910 decided |
| Joint | 11 | no rate: base under 50 |
| Ethnicity Not Available | 172 | 26.4% of 129 decided |
| Category | Applications | Denial rate |
|---|---|---|
| Male | 523 | 23.7% of 422 decided |
| Female | 267 | 31.6% of 212 decided |
| Joint | 416 | 19.3% of 352 decided |
| Sex Not Available | 112 | 26.9% of 78 decided |
A category under 10 applications prints “under 10”, and beside a lone one the next-smallest is withheld too, so neither can be worked out from the whole. No rate is printed on fewer than 50 decisions. A denial rate does not control for credit history, income, debt or the property, so a difference between groups is not a measure of discrimination.
Rankings this appears in
- No. 2236 Counties by median mortgage
Sources
- HMDA public loan/application register (LAR) — each year's fullest national release — Consumer Financial Protection Bureau · CFPB website policy: public domain · retrieved October 22, 2026
- Census Bureau population estimates — nation and states, with components of change — U.S. Census Bureau · U.S. Government work · retrieved September 25, 2026
- HMDA transmittal sheet — every reporting lender, by year, with its name — Consumer Financial Protection Bureau · CFPB website policy: public domain · retrieved October 22, 2026
- HMDA reporter panel — every reporting lender, by year, with its RSSD, parent and top holder
- Census Bureau county population estimates — U.S. Census Bureau · U.S. Government work · retrieved September 23, 2026
Compiled automatically from HMDA public loan/application register (LAR) — each year's fullest national release, Census Bureau population estimates — nation and states, with components of change, HMDA transmittal sheet — every reporting lender, by year, with its name, HMDA reporter panel — every reporting lender, by year, with its RSSD, parent and top holder and Census Bureau county population estimates by a checked SQL query · Editor: Kian O'Connor · How this site is built
Data retrieved