Mortgage Approval and Denial Rates in Ohio (2025 HMDA)
Mortgage denial rates in Ohio: lenders acted on 459,758 mortgage applications in Ohio in 2025 and denied 17.6% of them, down from 19.2% in 2024. The national denial rate was 17.7%.
Applications acted on
459,758
Loans originated
276,279
Denial rate
17.6%
Median loan
$155,000
Ohio against the national picture
Most-reported denial reason in Ohio: Credit history.
Counties ranked by denial rate
| County | Applications | Denial rate | Median loan |
|---|---|---|---|
| Gallia County | 898 | 26.4% | $135,000 |
| Vinton County | 406 | 26.4% | $155,000 |
| Lawrence County | 1,909 | 25.0% | $115,000 |
| Meigs County | 496 | 24.6% | $135,000 |
| Highland County | 1,673 | 23.8% | $145,000 |
| Scioto County | 2,272 | 23.3% | $115,000 |
| Champaign County | 1,564 | 23.3% | $135,000 |
| Pike County | 923 | 23.2% | $145,000 |
| Carroll County | 971 | 22.5% | $135,000 |
| Ashtabula County | 3,687 | 22.4% | $115,000 |
| Jackson County | 1,115 | 22.2% | $135,000 |
| Harrison County | 408 | 22.1% | $115,000 |
| Jefferson County | 1,846 | 21.7% | $105,000 |
| Fayette County | 1,205 | 21.7% | $145,000 |
| Hocking County | 1,158 | 21.6% | $165,000 |
| Columbiana County | 3,381 | 21.4% | $105,000 |
| Crawford County | 1,380 | 20.9% | $115,000 |
| Wyandot County | 595 | 20.3% | $115,000 |
| Ross County | 2,646 | 20.1% | $155,000 |
| Adams County | 934 | 19.9% | $135,000 |
| Huron County | 1,733 | 19.8% | $125,000 |
| Coshocton County | 1,141 | 19.8% | $125,000 |
| Trumbull County | 7,511 | 19.7% | $105,000 |
| Cuyahoga County | 49,154 | 19.6% | $135,000 |
| Mahoning County | 8,868 | 19.6% | $105,000 |
| Clark County | 5,579 | 19.6% | $135,000 |
| Athens County | 969 | 19.6% | $155,000 |
| Brown County | 2,071 | 19.4% | $155,000 |
| Guernsey County | 1,318 | 19.4% | $125,000 |
| Perry County | 1,314 | 19.4% | $155,000 |
| Logan County | 2,085 | 19.3% | $155,000 |
| Washington County | 1,623 | 19.3% | $145,000 |
| Morrow County | 1,618 | 19.3% | $165,000 |
| Belmont County | 1,879 | 19.2% | $115,000 |
| Shelby County | 1,535 | 19.2% | $135,000 |
| Erie County | 2,606 | 19.1% | $145,000 |
| Marion County | 2,313 | 19.0% | $125,000 |
| Geauga County | 4,052 | 18.9% | $185,000 |
| Holmes County | 448 | 18.8% | $155,000 |
| Lucas County | 14,998 | 18.7% | $115,000 |
| Mercer County | 743 | 18.7% | $145,000 |
| Muskingum County | 3,797 | 18.6% | $135,000 |
| Tuscarawas County | 2,191 | 18.6% | $135,000 |
| Ashland County | 1,874 | 18.5% | $135,000 |
| Portage County | 6,044 | 18.2% | $155,000 |
| Seneca County | 1,406 | 18.1% | $115,000 |
| Williams County | 1,391 | 18.1% | $115,000 |
| Monroe County | 298 | 18.1% | $135,000 |
| Allen County | 4,038 | 17.8% | $110,000 |
| Defiance County | 1,261 | 17.8% | $115,000 |
| Miami County | 4,905 | 17.7% | $155,000 |
| Hardin County | 946 | 17.7% | $125,000 |
| Montgomery County | 21,703 | 17.6% | $145,000 |
| Henry County | 937 | 17.6% | $115,000 |
| Lorain County | 14,434 | 17.5% | $145,000 |
| Richland County | 4,456 | 17.5% | $125,000 |
| Fairfield County | 7,773 | 17.4% | $205,000 |
| Fulton County | 1,503 | 17.4% | $125,000 |
| Van Wert County | 943 | 17.2% | $115,000 |
| Lake County | 10,371 | 17.1% | $155,000 |
| Clinton County | 1,693 | 17.1% | $165,000 |
| Franklin County | 49,594 | 16.9% | $195,000 |
| Paulding County | 684 | 16.8% | $115,000 |
| Clermont County | 10,186 | 16.7% | $195,000 |
| Licking County | 8,521 | 16.7% | $195,000 |
| Preble County | 1,603 | 16.6% | $145,000 |
| Auglaize County | 1,535 | 16.5% | $125,000 |
| Hamilton County | 31,885 | 16.4% | $185,000 |
| Butler County | 15,887 | 16.4% | $175,000 |
| Summit County | 21,845 | 16.3% | $135,000 |
| Madison County | 2,101 | 16.3% | $205,000 |
| Stark County | 14,791 | 16.1% | $135,000 |
| Pickaway County | 3,095 | 15.9% | $215,000 |
| Medina County | 8,116 | 15.8% | $185,000 |
| Wayne County | 3,550 | 15.7% | $155,000 |
| Ottawa County | 1,722 | 15.6% | $165,000 |
| Noble County | 302 | 15.6% | $135,000 |
| Knox County | 2,531 | 15.5% | $185,000 |
| Wood County | 4,639 | 15.4% | $155,000 |
| Darke County | 1,493 | 15.3% | $135,000 |
| Hancock County | 2,718 | 14.8% | $155,000 |
| Delaware County | 11,895 | 14.2% | $305,000 |
| Greene County | 6,856 | 14.1% | $195,000 |
| Putnam County | 1,099 | 14.0% | $135,000 |
| Sandusky County | 1,874 | 13.7% | $115,000 |
| Morgan County | 375 | 13.6% | $135,000 |
| Warren County | 11,899 | 13.5% | $245,000 |
| Union County | 3,973 | 12.5% | $305,000 |
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Reading these numbers
The denial rate counts applications the lender acted on, so withdrawn files do not inflate it. A high rate does not automatically mean strict lenders: counties with many first-time or lower-income applicants tend to show higher denial rates because of debt-to-income and credit-history thresholds, which are the two reasons lenders report most often. Median loan amount and median applicant income are computed from the same application records, so they describe who is applying — not who ends up buying.
Source: Consumer Financial Protection Bureau, HMDA Data Browser (2025 loan application register). Latest observation 2026-08-23.