Mortgage lenders in Ross County
1,492 mortgages were made in Ross County, Ohio, in 2025, by 188 lenders. The median rate their borrowers got was 6.875% on a median loan of $165,000. Of 2,116 decisions, 532 were denials — 25.1%, most often for credit history.
| Lender | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| GUARANTEED RATE, INC. | 188 | 6.550% | $205,000 | 1.6% |
| THE VINTON COUNTY NATIONAL BANK | 120 | 7.438% | $125,000 | 15.0% |
| The Huntington National Bank | 91 | 7.990% | $95,000 | 41.6% |
| Rocket Mortgage, LLC | 85 | 6.750% | $145,000 | 16.5% |
| UNITED SHORE FINANCIAL SERVICES, LLC | 64 | 6.163% | $230,000 | 20.2% |
| Kingston National Bank | 58 | Not published | $155,000 | 4.9% |
| GOLD STAR MORTGAGE FINANCIAL GROUP, CORPORATION | 53 | 7.125% | $185,000 | 1.5% |
| Fifth Third Bank, National Association | 52 | 7.625% | $105,000 | 38.8% |
| UNION HOME MORTGAGE CORP. | 51 | 6.990% | $185,000 | 8.9% |
| WesBanco Bank, Inc. | 39 | 5.875% | $125,000 | 25.9% |
| AMERICAN NEIGHBORHOOD MORTGAGE ACCEPTANCE COMPANY LLC | 36 | 6.750% | $195,000 | 0.0% |
| ATOMIC CREDIT UNION, INC. | 31 | Not published | $95,000 | 56.9% |
| Mortgage Research Center, LLC | 30 | 6.313% | $245,000 | 30.2% |
| PENNYMAC LOAN SERVICES, LLC | 30 | 6.250% | $260,000 | 16.7% |
| PNC Bank, National Association | 29 | 7.490% | $105,000 | 29.3% |
| LCNB National Bank | 28 | 6.813% | $140,000 | 3.5% |
| CROSSCOUNTRY MORTGAGE, INC. | 24 | 6.719% | $210,000 | 10.7% |
| FREEDOM MORTGAGE CORPORATION | 21 | 6.250% | $215,000 | 17.2% |
| HOMELAND CREDIT UNION, INC. | 20 | 6.563% | $75,000 | 20.0% |
| VANDERBILT MORTGAGE AND FINANCE, INC. | 19 | 9.990% | $115,000 | 69.4% |
| Loandepot.Com, LLC | 18 | 6.933% | $110,000 | 41.9% |
| NATIONSTAR MORTGAGE LLC | 15 | 7.750% | $115,000 | 11.8% |
| UNIVERSAL 1 CREDIT UNION | 13 | 7.500% | $75,000 | 7.1% |
| U.S. Bank National Association | 12 | 6.825% | $105,000 | 53.8% |
| Broker Solutions, Inc. | 12 | 7.188% | $155,000 | 14.3% |
| NFM, INC. | 12 | 6.750% | $210,000 | 14.3% |
| RAPID MORTGAGE COMPANY | 12 | 7.063% | $235,000 | 0.0% |
| Paramount Residential Mortgage Group, Inc. | 10 | 6.808% | $180,000 | 0.0% |
| UNION CAPITAL MORTGAGE CORPORATION | 9 | Under 10 loans | Under 10 loans | 10.0% |
| NEWREZ LLC | 8 | Under 10 loans | Under 10 loans | 38.5% |
| Coastal Community Bank | 8 | Under 10 loans | Under 10 loans | 0.0% |
| Click n' Close, Inc. | 8 | Under 10 loans | Under 10 loans | 20.0% |
| LOWER, LLC | 8 | Under 10 loans | Under 10 loans | 20.0% |
| FIGURE LENDING LLC | 8 | Under 10 loans | Under 10 loans | 33.3% |
| Farm Credit Mid-America | 8 | Under 10 loans | Under 10 loans | 27.3% |
| JPMorgan Chase Bank, National Association | 8 | Under 10 loans | Under 10 loans | 11.1% |
| THE LOAN STORE, INC. | 8 | Under 10 loans | Under 10 loans | 0.0% |
| WRIGHT-PATT CREDIT UNION, INC. | 8 | Under 10 loans | Under 10 loans | 20.0% |
| VILLAGE CAPITAL & INVESTMENT LLC | 7 | Under 10 loans | Under 10 loans | 12.5% |
| Union Savings Bank | 7 | Under 10 loans | Under 10 loans | 30.0% |
| Third Federal Savings and Loan Association of Cleveland | 7 | Under 10 loans | Under 10 loans | 30.0% |
| DEEPHAVEN MORTGAGE LLC | 7 | Under 10 loans | Under 10 loans | 22.2% |
| NEW DAY FINANCIAL, LLC | 6 | Under 10 loans | Under 10 loans | 46.2% |
| CARRINGTON MORTGAGE SERVICES, LLC | 6 | Under 10 loans | Under 10 loans | 42.9% |
| DAS Acquisition Company, LLC | 6 | Under 10 loans | Under 10 loans | 14.3% |
| The Merchants National Bank | 6 | Under 10 loans | Under 10 loans | 0.0% |
| The Ohio Valley Bank Company | 6 | Under 10 loans | Under 10 loans | 0.0% |
| AmeriSave Mortgage Corporation | 5 | Under 10 loans | Under 10 loans | 79.2% |
| AMERIHOME MORTGAGE COMPANY, LLC | 5 | Under 10 loans | Under 10 loans | 0.0% |
| KIND LENDING, LLC | 5 | Under 10 loans | Under 10 loans | 0.0% |
| USAA Federal Savings Bank | 5 | Under 10 loans | Under 10 loans | 0.0% |
| 21st Mortgage Corporation | 4 | Under 10 loans | Under 10 loans | 76.2% |
| Equity Prime Mortgage LLC | 4 | Under 10 loans | Under 10 loans | 33.3% |
| SPRING EQ, LLC | 4 | Under 10 loans | Under 10 loans | 55.6% |
| Navy Federal Credit Union | 4 | Under 10 loans | Under 10 loans | 50.0% |
| Discover Bank | 4 | Under 10 loans | Under 10 loans | 55.6% |
| Kemba Financial Credit Union Inc | 4 | Under 10 loans | Under 10 loans | 42.9% |
| GoodLeap, LLC | 4 | Under 10 loans | Under 10 loans | 42.9% |
| PHH Mortgage Corporation | 4 | Under 10 loans | Under 10 loans | 0.0% |
| MUTUAL OF OMAHA MORTGAGE, INC. | 4 | Under 10 loans | Under 10 loans | 20.0% |
| PLANET HOME LENDING, LLC | 4 | Under 10 loans | Under 10 loans | 20.0% |
| Kiavi Funding, Inc. | 4 | Under 10 loans | Under 10 loans | 0.0% |
| TRIAD FINANCIAL SERVICES, INC. | 3 | Under 10 loans | Under 10 loans | 61.3% |
| ROYAL UNITED MORTGAGE LLC | 3 | Under 10 loans | Under 10 loans | 57.1% |
| Citizens Bank, National Association | 3 | Under 10 loans | Under 10 loans | 50.0% |
| LAKEVIEW LOAN SERVICING, LLC | 3 | Under 10 loans | Under 10 loans | 42.9% |
| POLARIS HOME FUNDING CORP. | 3 | Under 10 loans | Under 10 loans | 40.0% |
| PRIMELENDING, A PLAINSCAPITAL COMPANY | 3 | Under 10 loans | Under 10 loans | 0.0% |
| EQUITY RESOURCES, INC. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| SOFI BANK, NATIONAL ASSOCIATION | 2 | Under 10 loans | Under 10 loans | 0.0% |
| GUARANTEED RATE AFFINITY, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Southern Hills Community Bank | 2 | Under 10 loans | Under 10 loans | 50.0% |
| TOP FLITE FINANCIAL, INC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| GUILD MORTGAGE COMPANY | 2 | Under 10 loans | Under 10 loans | 0.0% |
| SCHUMACHER MORTGAGE LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| GO MORTGAGE, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Synergy One Lending, Inc. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Lendage, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| First National Bank of America | 2 | Under 10 loans | Under 10 loans | 0.0% |
| HOWARD HANNA FINANCIAL SERVICES, INC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| HOMEBRIDGE FINANCIAL SERVICES, INC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| AMERICAN FINANCIAL RESOURCES, INC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| The Savings Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| ENDEAVOR CAPITAL, LLC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| MOVEMENT MORTGAGE, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| North Valley Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Buckeye State Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| RELIANCE FIRST CAPITAL, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| SUCCESS LENDING, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| AMERICAN FINANCING CORPORATION | 1 | Under 10 loans | Under 10 loans | 80.0% |
| Bank of America, National Association | 1 | Under 10 loans | Under 10 loans | 83.3% |
| TELHIO | 1 | Under 10 loans | Under 10 loans | 33.3% |
| NETWORK CAPITAL FUNDING CORPORATION | 1 | Under 10 loans | Under 10 loans | 66.7% |
| MILEND, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| 254900M2C4Q6DATP2889 | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Fairway Independent Mortgage Corporation | 1 | Under 10 loans | Under 10 loans | 50.0% |
| Loan Funder LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| SOUTHWEST STAGE FUNDING, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| The Park National Bank | 1 | Under 10 loans | Under 10 loans | 66.7% |
| VELOCITY COMMERCIAL CAPITAL, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| VERITAS FUNDING, LLC | 1 | Under 10 loans | Under 10 loans | 33.3% |
| BETTER MORTGAGE CORPORATION | 1 | Under 10 loans | Under 10 loans | 50.0% |
| SayGO Home Loans, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Flagstar Bank, N.A. | 1 | Under 10 loans | Under 10 loans | 66.7% |
| FIRST OHIO HOME FINANCE, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| AMERICAN FINANCIAL NETWORK, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| CLEARPATH LENDING | 1 | Under 10 loans | Under 10 loans | 0.0% |
| PLAZA HOME MORTGAGE, INC. | 1 | Under 10 loans | Under 10 loans | 50.0% |
| AMERICAN PACIFIC MORTGAGE CORPORATION | 1 | Under 10 loans | Under 10 loans | 50.0% |
| FIRST COMMUNITY MORTGAGE, INC. | 1 | Under 10 loans | Under 10 loans | 50.0% |
| EMBRACE HOME LOANS, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| A&D Mortgage LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| 254900J2RKTTDJSUWD76 | 1 | Under 10 loans | Under 10 loans | 0.0% |
| RF RENOVO MANAGEMENT COMPANY, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Nations Lending Corporation | 1 | Under 10 loans | Under 10 loans | 0.0% |
| First Service Federal Credit Union | 1 | Under 10 loans | Under 10 loans | 0.0% |
| German American Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| CME Federal Credit Union | 1 | Under 10 loans | Under 10 loans | 0.0% |
| PROVIDENT FUNDING ASSOCIATES, L.P. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| PRIMARY RESIDENTIAL MORTGAGE, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| UNITED MORTGAGE CORP. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| BPL MORTGAGE TRUST, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| LAND HOME FINANCIAL SERVICES, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| TOWER Federal Credit Union | 1 | Under 10 loans | Under 10 loans | 0.0% |
| ABSOLUTE HOME MORTGAGE CORPORATION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Leader Bank, National Association | 1 | Under 10 loans | Under 10 loans | 0.0% |
| CMG MORTGAGE, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| T2 FINANCIAL LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Civista Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| MORTGAGE 1 INCORPORATED | 1 | Under 10 loans | Under 10 loans | 0.0% |
| OCMBC, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| BMI Federal Credit Union | 1 | Under 10 loans | Under 10 loans | 0.0% |
| LENOX FINANCIAL MORTGAGE CORPORATION, Sage Home Loans Corporation | 1 | Under 10 loans | Under 10 loans | 0.0% |
| LONGBRIDGE FINANCIAL, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| MORTGAGE SOLUTIONS OF COLORADO, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| BRIDGE CREDIT UNION, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Valon Mortgage, Inc. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| SIWELL, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| HONDA Federal Credit Union | 1 | Under 10 loans | Under 10 loans | 0.0% |
| CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP | 1 | Under 10 loans | Under 10 loans | 0.0% |
| RANLIFE, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| MERCHANTS MORTGAGE & TRUST CORPORATION, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Peoples Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| First Financial Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| TAMMAC HOLDINGS CORPORATION | 0 | Under 10 loans | Under 10 loans | 28.6% |
| The Federal Savings Bank | 0 | Under 10 loans | Under 10 loans | Not published |
| CREDIT HUMAN FEDERAL CREDIT UNION | 0 | Under 10 loans | Under 10 loans | 100.0% |
| BMO Bank National Association | 0 | Under 10 loans | Under 10 loans | 100.0% |
| ARC HOME LLC | 0 | Under 10 loans | Under 10 loans | 100.0% |
| J. VIRGIL, INC. | 0 | Under 10 loans | Under 10 loans | 100.0% |
| Texana Bank, National Association | 0 | Under 10 loans | Under 10 loans | Not published |
| MISSION LOANS, LLC | 0 | Under 10 loans | Under 10 loans | 0.0% |
| Allied First Bank,sb | 0 | Under 10 loans | Under 10 loans | 100.0% |
| Wells Fargo Bank, National Association | 0 | Under 10 loans | Under 10 loans | 100.0% |
| SUPERIOR CREDIT UNION, INC. | 0 | Under 10 loans | Under 10 loans | Not published |
| 254900CTT87ZKAUTIJ37 | 0 | Under 10 loans | Under 10 loans | Not published |
| 1st National Bank | 0 | Under 10 loans | Under 10 loans | Not published |
| AML FUNDING LLC | 0 | Under 10 loans | Under 10 loans | Not published |
| Filo Mortgage, L.L.C. | 0 | Under 10 loans | Under 10 loans | Not published |
| ARK-LA-TEX FINANCIAL SERVICES, LLC. | 0 | Under 10 loans | Under 10 loans | Not published |
| First State Bank | 0 | Under 10 loans | Under 10 loans | 100.0% |
| The Middlefield Banking Company | 0 | Under 10 loans | Under 10 loans | Not published |
| LENDINGONE, LLC | 0 | Under 10 loans | Under 10 loans | 100.0% |
| Atlantic Coast Mortgage, LLC | 0 | Under 10 loans | Under 10 loans | 0.0% |
| THE EQUITABLE MORTGAGE CORPORATION | 0 | Under 10 loans | Under 10 loans | Not published |
| MORTGAGE ACCESS CORP. | 0 | Under 10 loans | Under 10 loans | Not published |
| EMM LOANS LLC | 0 | Under 10 loans | Under 10 loans | Not published |
| PENTAGON FEDERAL CREDIT UNION | 0 | Under 10 loans | Under 10 loans | 100.0% |
| Bethpage Federal Credit Union | 0 | Under 10 loans | Under 10 loans | 100.0% |
| VICTORY MORTGAGE, L.L.C. | 0 | Under 10 loans | Under 10 loans | Not published |
| LoanUnited.com, LLC | 0 | Under 10 loans | Under 10 loans | Not published |
| Truliant Federal Credit Union | 0 | Under 10 loans | Under 10 loans | 100.0% |
| CITY FIRST MORTGAGE SERVICES, L.L.C. | 0 | Under 10 loans | Under 10 loans | Not published |
| ASHLAND Credit Union | 0 | Under 10 loans | Under 10 loans | 100.0% |
| Beeline Loans, Inc. | 0 | Under 10 loans | Under 10 loans | Not published |
| Truist Bank | 0 | Under 10 loans | Under 10 loans | 100.0% |
| LUXURY MORTGAGE CORP. | 0 | Under 10 loans | Under 10 loans | Not published |
| MidFirst Bank | 0 | Under 10 loans | Under 10 loans | Not published |
| MYCUMORTGAGE, LLC | 0 | Under 10 loans | Under 10 loans | Not published |
| DATA MORTGAGE, INC. | 0 | Under 10 loans | Under 10 loans | Not published |
| Guardian Savings Bank | 0 | Under 10 loans | Under 10 loans | Not published |
| PANORAMA MORTGAGE GROUP, LLC | 0 | Under 10 loans | Under 10 loans | Not published |
| CALCON MUTUAL MORTGAGE LLC | 0 | Under 10 loans | Under 10 loans | Not published |
| TOWNE MORTGAGE COMPANY | 0 | Under 10 loans | Under 10 loans | Not published |
| SUN Federal Credit Union | 0 | Under 10 loans | Under 10 loans | Not published |
| Citibank, National Association | 0 | Under 10 loans | Under 10 loans | Not published |
| First National Bank of Pennsylvania | 0 | Under 10 loans | Under 10 loans | Not published |
| Manufacturers and Traders Trust Company | 0 | Under 10 loans | Under 10 loans | Not published |
Ranked by mortgages made here in 2025. "Denied" is the share of this lender’s decisions here that were denials.
Bank branches in Ross County
18 FDIC-insured branches from 10 banks, as of 30 June 2026, with the deposits held at them.
| Bank | Branches here | Deposits |
|---|---|---|
| Kingston National Bank | 3 | $353.2 million |
| THE VINTON COUNTY NATIONAL BANK | 3 | $201.1 million |
| LCNB National Bank | 3 | $149.9 million |
| The Huntington National Bank | 2 | $164.6 million |
| Buckeye State Bank | 2 | $45.6 million |
| PNC Bank, National Association | 1 | $146.4 million |
| Fifth Third Bank, National Association | 1 | $102.5 million |
| WesBanco Bank, Inc. | 1 | $83.2 million |
| Union Savings Bank | 1 | $32.3 million |
| Woodforest National Bank | 1 | $5.0 million |
Get told when this changes
When the next year’s lending figures are out for Ross County, or a lender arrives or leaves.
Double opt-in, one click to unsubscribe. We never sell or share the list, and we are not a lender, a broker or a lead generator: this is a notification about published data, not a sales call. Privacy.
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. Branches and deposits come from the FDIC Summary of Deposits as of 30 June 2026, and bank balance sheets from the FDIC institutions directory. 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.