DESCO
DESCO received 405 applications in 2025 and made 241 mortgages, in 27 counties across 4 states. The median rate its borrowers got was 6.500% on a median loan of $125,000. Of 300 decisions, 48 were denials — 16.0%, most often for credit history.
| Legal Entity Identifier | 5493002G1DPDOKT55X37 |
|---|---|
| Applications received | 405 |
| Mortgages made | 241 |
| Denied | 48 |
| Approved, not taken up | 11 |
| Withdrawn or incomplete | 105 |
| Loans bought from other lenders | 0 |
| Median rate spread over the prime offer rate | 0.247 points |
| FDIC-insured bank | This lender is not an FDIC-insured bank under this name: a mortgage company, a credit union, or a bank filing under another name. |
By loan purpose
| Purpose | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| Home purchase | 128 | 6.688% | $155,000 | 8.1% |
| Refinancing | 25 | 6.625% | $135,000 | 19.4% |
| Cash-out refinancing | 71 | 6.125% | $95,000 | 24.7% |
| Other purposes | 17 | 10.240% | $55,000 | 26.1% |
Where DESCO 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 |
|---|---|---|---|
| Scioto County, OH | 105 | 6.500% | 13.9% |
| Boyd County, KY | 40 | 6.500% | 10.9% |
| Greenup County, KY | 28 | 6.188% | 12.1% |
| Lawrence County, OH | 27 | 6.750% | 37.2% |
| Cabell County, WV | 10 | 6.875% | 0.0% |
| Carter County, KY | 6 | Under 10 loans | 0.0% |
| Wayne County, WV | 4 | Under 10 loans | 33.3% |
| Fayette County, KY | 3 | Under 10 loans | 0.0% |
| Lewis County, KY | 3 | Under 10 loans | 0.0% |
| Lawrence County, KY | 2 | Under 10 loans | 0.0% |
| Gallia County, OH | 2 | Under 10 loans | 33.3% |
| Pike County, OH | 2 | Under 10 loans | 33.3% |
| Garrard County, KY | 1 | Under 10 loans | 0.0% |
| Johnson County, KY | 1 | Under 10 loans | 0.0% |
| Mason County, KY | 1 | Under 10 loans | 0.0% |
| Pulaski County, KY | 1 | Under 10 loans | 0.0% |
| Scott County, KY | 1 | Under 10 loans | 0.0% |
| Wayne County, KY | 1 | Under 10 loans | 0.0% |
| Adams County, OH | 1 | Under 10 loans | 50.0% |
| Fulton County, OH | 1 | Under 10 loans | 0.0% |
| Summit County, OH | 1 | Under 10 loans | 0.0% |
| Palm Beach County, FL | 0 | Under 10 loans | Not published |
| Clay County, KY | 0 | Under 10 loans | Not published |
| Clinton County, OH | 0 | Under 10 loans | 0.0% |
| Franklin County, OH | 0 | Under 10 loans | Not published |
| Montgomery County, OH | 0 | Under 10 loans | Not published |
| Pickaway County, OH | 0 | Under 10 loans | Not published |
Get told when this changes
When DESCO’s figures are published for the next year, or restated.
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. 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.