Mortgage lending in Ross County, Ohio
Lenders in Ross County, Ohio reported 2,646 mortgage applications for 2025, according to the CFPB.
2,646 mortgage applications and 1,492 loans originated in 2025; the denial rate was 25.1% of 2,116 applications decided. The median loan was about $165,000. From 2025, the CFPB’s Snapshot release.
HUD’s Fair Market Rent for the county, on the housing hub: Ross County, OH.
- 2,646
- Applications
- 1,492
- Loans originated
- 25.1%
- Denial rate
- 532 denied of 2,116 applications decided.
Every year
1 more column on a wider screen
| Year | Applications | Originated |
|---|---|---|
| 2025 | 2,646 | 1,492 |
| 2024 | 2,229 | 1,220 |
| 2023 | 2,119 | 1,191 |
| 2022 | 2,524 | 1,489 |
| 2021 | 3,664 | 2,345 |
| 2020 | 3,358 | 2,181 |
| 2019 | 2,481 | 1,592 |
| 2018 | 2,295 | 1,422 |
The largest lenders here
| Lender | Originated | Applications |
|---|---|---|
| Guaranteed Rate, Inc. | 188 | 237 |
| Vinton County National Bank | 120 | 161 |
| Huntington National Bank | 91 | 184 |
| Rocket Mortgage | 85 | 110 |
| United Wholesale Mortgage | 64 | 94 |
| Kingston National Bank | 58 | 66 |
| Gold Star Mortgage Financial Group, Corporation | 53 | 101 |
| Fifth Third Bank, National Association | 52 | 118 |
| Union Home Mortgage Corp. | 51 | 63 |
| Wesbanco Bank, Inc. | 39 | 64 |
| American Neighborhood Mortgage Acceptance Company | 36 | 52 |
| Atomic Credit Union, Inc | 31 | 89 |
| Mortgage Research Center | 30 | 60 |
| Pennymac Loan Services LLC | 30 | 49 |
| PNC Bank N.A. | 29 | 47 |
| LCNB National Bank | 28 | 29 |
| Crosscountry Mortgage, LLC | 24 | 43 |
| Freedom Mortgage Corporation | 21 | 44 |
| Homeland Credit Union | 20 | 27 |
| Vanderbilt Mortgage and Finance, Inc | 19 | 127 |
| loanDepot.com LLC | 18 | 33 |
| Nationstar Mortgage | 15 | 27 |
| Universal 1 Credit Union Inc. | 13 | 17 |
| New American Funding, LLC. | 12 | 27 |
| Rapid Mortgage Company | 12 | 13 |
Applications by race, ethnicity and sex, 2025
| Category | Applications | Denial rate |
|---|---|---|
| American Indian or Alaska Native | 21 | no rate: base under 50 |
| Asian | 12 | no rate: base under 50 |
| Black or African American | 55 | no rate: base under 50 |
| Native Hawaiian or Other Pacific Islander | under 10 | |
| White | 2,151 | 24.7% of 1,734 decided |
| 2 or more minority races | under 10 | |
| Joint | 42 | no rate: base under 50 |
| Race Not Available | 358 | 28.0% of 279 decided |
| Category | Applications | Denial rate |
|---|---|---|
| Hispanic or Latino | 30 | no rate: base under 50 |
| Not Hispanic or Latino | 2,161 | 24.0% of 1,742 decided |
| Joint | withheld | |
| Ethnicity Not Available | 431 | 30.5% of 338 decided |
| Free Form Text Only | under 10 |
| Category | Applications | Denial rate |
|---|---|---|
| Male | 1,023 | 21.7% of 807 decided |
| Female | 548 | 32.4% of 441 decided |
| Joint | 841 | 22.6% of 689 decided |
| Sex Not Available | 234 | 32.4% of 179 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. 1627 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