Mortgage lending in Mercer County, Ohio

Lenders in Mercer County, Ohio reported 743 mortgage applications for 2025, according to the CFPB.

743 mortgage applications and 455 loans originated in 2025; the denial rate was 22.5% of 619 applications decided. The median loan was about $155,000. From 2025, the CFPB’s Snapshot release.

HUD’s Fair Market Rent for the county, on the housing hub: Mercer County, OH.

743
Applications: 455
Loans originated: 22.5%
Denial rate: 139 denied of 619 applications decided.

Every year

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Mortgage applications and loans originated in Mercer County, Ohio, by year
Year	Applications	Originated	Denied
2025	743	455	139
2024	626	408	114
2023	636	398	123
2022	792	514	104
2021	1,166	782	156
2020	1,394	964	153
2019	877	569	157
2018	729	476	137

The largest lenders here

Lenders in Mercer County, Ohio by loans originated, 2025
Lender	Originated	Applications
Superior Credit Union, Inc.	114	139
First Financial Bank	65	100
Rocket Mortgage	27	39
The Park National Bank	16	22
First Bank of Berne	13	14
United Wholesale Mortgage	12	16
Three Rivers Federal Crediit U	12	16
US Bank, N.A.	11	15
Newrez LLC	10	20
The Citizens National Bank	9	15
JPMorgan Chase Bank, NA	9	14
Huntington National Bank	6	8
loanDepot.com LLC	6	8
Mortgage Research Center	6	17
Minster Bank	6	8
Fifth Third Bank, National Association	6	12
myCUmortgage	4	4
Freedom Mortgage Corporation	4	10
Union Home Mortgage Corp.	4	4
Honda Federal Credit Union	4	9
Crosscountry Mortgage, LLC	4	7
The Twin Valley Bank	3	3
GreenWay Bank	3	3
Figure Lending LLC	3	4
Sofi Bank, National Association	3	6

Applications by race, ethnicity and sex, 2025

By race, Mercer County, Ohio: applications and denial rate
Category	Applications	Denial rate
American Indian or Alaska Native	under 10
Asian	under 10
Black or African American	under 10
White	637	21.6% of 537 decided
Joint	under 10
Race Not Available	91	28.2% of 71 decided

By ethnicity, Mercer County, Ohio: applications and denial rate
Category	Applications	Denial rate
Hispanic or Latino	withheld
Not Hispanic or Latino	629	22.0% of 532 decided
Joint	under 10
Ethnicity Not Available	95	26.3% of 76 decided

By sex, Mercer County, Ohio: applications and denial rate
Category	Applications	Denial rate
Male	277	23.6% of 225 decided
Female	120	27.4% of 95 decided
Joint	286	18.6% of 253 decided
Sex Not Available	60	no rate: base under 50

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. 1828 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 October 22, 2026