THE VINTON COUNTY NATIONAL BANK
THE VINTON COUNTY NATIONAL BANK received 927 applications in 2025 and made 674 mortgages, in 27 counties across 2 states. The median rate its borrowers got was 7.250% on a median loan of $145,000. Of 916 decisions, 136 were denials — 14.9%, most often for debt-to-income ratio.
| Legal Entity Identifier | 54930087JNDLPJWOLV11 |
|---|---|
| Applications received | 927 |
| Mortgages made | 674 |
| Denied | 136 |
| Approved, not taken up | 106 |
| Withdrawn or incomplete | 11 |
| Loans bought from other lenders | 0 |
| Median rate spread over the prime offer rate | 0.18 points |
| FDIC-insured bank | Yes: THE VINTON COUNTY NATIONAL BANK, 17 offices |
By loan purpose
| Purpose | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| Home purchase | 344 | 6.375% | $260,000 | 4.8% |
| Refinancing | 122 | 7.500% | $135,000 | 21.1% |
| Other purposes | 208 | 7.500% | $65,000 | 25.7% |
Where THE VINTON COUNTY NATIONAL BANK lends most
The 27 counties where it made the most mortgages in 2025. Each county page ranks every lender there.
| County | Mortgages made | Median rate | Denied |
|---|---|---|---|
| Fairfield County, OH | 148 | 7.250% | 12.2% |
| Ross County, OH | 120 | 7.438% | 15.0% |
| Hocking County, OH | 64 | 7.063% | 15.9% |
| Jackson County, OH | 59 | 7.500% | 13.6% |
| Pickaway County, OH | 57 | 7.500% | 9.6% |
| Vinton County, OH | 52 | 6.938% | 19.2% |
| Franklin County, OH | 43 | 7.250% | 7.4% |
| Perry County, OH | 32 | 6.875% | 21.3% |
| Licking County, OH | 28 | 7.000% | 17.5% |
| Athens County, OH | 16 | 7.438% | 25.9% |
| Pike County, OH | 11 | 7.125% | 7.1% |
| Gallia County, OH | 10 | 7.500% | 16.7% |
| Knox County, OH | 8 | Under 10 loans | 0.0% |
| Scioto County, OH | 6 | Under 10 loans | 0.0% |
| Madison County, OH | 5 | Under 10 loans | 25.0% |
| Delaware County, OH | 3 | Under 10 loans | 0.0% |
| Meigs County, OH | 3 | Under 10 loans | 44.4% |
| Champaign County, OH | 2 | Under 10 loans | 33.3% |
| Fayette County, OH | 2 | Under 10 loans | 33.3% |
| Levy County, FL | 1 | Under 10 loans | 0.0% |
| Greene County, OH | 1 | Under 10 loans | 0.0% |
| Highland County, OH | 1 | Under 10 loans | 0.0% |
| Lawrence County, OH | 1 | Under 10 loans | 33.3% |
| Tuscarawas County, OH | 1 | Under 10 loans | 0.0% |
| Guernsey County, OH | 0 | Under 10 loans | 100.0% |
| Morgan County, OH | 0 | Under 10 loans | 100.0% |
| Muskingum County, OH | 0 | Under 10 loans | 0.0% |
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When THE VINTON COUNTY NATIONAL BANK’s figures are published for the next year, or restated.
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Counts, medians and denial shares are computed from the Home Mortgage Disclosure Act loan-level file for 2025, published by the Consumer Financial Protection Bureau through the FFIEC: every application a covered lender received, as the lender reported it. A median rate is what borrowers got, not what you will be offered — it depends on the loan, the property, your credit and the market on the day, and no figure here is a quote. A median over fewer than 10 loans is not shown: it is a number with no meaning and a real person's rate half-exposed. Those cells say "under 10 loans" and the count is still published. This is information, not advice, and no lender pays to appear.