Refinancing lenders in Cuyahoga County
4,834 refinancing mortgages were made in Cuyahoga County, Ohio, in 2025, by 297 lenders. The median rate their borrowers got was 6.768% on a median loan of $145,000. Of 6,612 decisions, 1,451 were denials — 21.9%, most often for debt-to-income ratio.
| Lender | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| Third Federal Savings and Loan Association of Cleveland | 670 | 6.990% | $95,000 | 22.0% |
| Citizens Bank, National Association | 473 | 7.650% | $155,000 | 21.7% |
| The Huntington National Bank | 376 | 7.740% | $110,000 | 33.4% |
| PNC Bank, National Association | 372 | 7.190% | $105,000 | 20.5% |
| Fifth Third Bank, National Association | 286 | 7.750% | $105,000 | 23.6% |
| Kiavi Funding, Inc. | 281 | 7.250% | $105,000 | 10.0% |
| Rocket Mortgage, LLC | 275 | 5.990% | $205,000 | 17.4% |
| UNITED SHORE FINANCIAL SERVICES, LLC | 220 | 5.999% | $195,000 | 17.0% |
| CROSSCOUNTRY MORTGAGE, INC. | 210 | 6.188% | $225,000 | 7.8% |
| Dollar Bank, Federal Savings Bank | 189 | 6.740% | $95,000 | 28.8% |
| First National Bank of Pennsylvania | 86 | 6.490% | $180,000 | 28.1% |
| PENNYMAC LOAN SERVICES, LLC | 77 | 5.999% | $225,000 | 17.3% |
| FREEDOM MORTGAGE CORPORATION | 75 | 6.250% | $235,000 | 4.5% |
| KeyBank National Association | 59 | 6.800% | $105,000 | 35.8% |
| BPL MORTGAGE TRUST, LLC | 57 | 7.250% | $105,000 | 8.7% |
| JPMorgan Chase Bank, National Association | 52 | 5.990% | $285,000 | 9.7% |
| Mortgage Research Center, LLC | 41 | 5.875% | $205,000 | 36.9% |
| UNION HOME MORTGAGE CORP. | 34 | 6.063% | $260,000 | 5.4% |
| 254900CTT87ZKAUTIJ37 | 31 | 7.990% | $125,000 | 26.7% |
| Nations Lending Corporation | 31 | 7.750% | $115,000 | 3.0% |
| Ohio Catholic Federal Credit Union | 29 | 8.000% | $55,000 | 28.3% |
| LIBERTY HOME MORTGAGE CORPORATION | 29 | 6.375% | $195,000 | 0.0% |
| AMERIHOME MORTGAGE COMPANY, LLC | 28 | 6.500% | $250,000 | 9.7% |
| CENTURY | 28 | 5.250% | $165,000 | 24.3% |
| Loan Funder LLC | 27 | 8.050% | $105,000 | 12.9% |
| ROYAL UNITED MORTGAGE LLC | 25 | 6.875% | $95,000 | 43.1% |
| First Federal Savings and Loan Association of Lakewood | 24 | 6.470% | $250,000 | 4.0% |
| NEWREZ LLC | 22 | 6.063% | $250,000 | 51.1% |
| UNION CAPITAL MORTGAGE CORPORATION | 20 | 6.125% | $330,000 | 0.0% |
| COREVEST AMERICAN FINANCE LENDER LLC | 19 | 7.070% | $1,025,000 | 0.0% |
| U.S. Bank National Association | 18 | 6.375% | $190,000 | 40.6% |
| NATIONSTAR MORTGAGE LLC | 18 | 5.990% | $245,000 | 17.4% |
| PLANET HOME LENDING, LLC | 18 | 5.813% | $200,000 | 5.0% |
| MUTUAL OF OMAHA MORTGAGE, INC. | 17 | 6.000% | $145,000 | 22.7% |
| Union Savings Bank | 16 | 6.063% | $270,000 | 10.5% |
| Lendage, LLC | 16 | 11.375% | $85,000 | 0.0% |
| DOMINION FINANCIAL SERVICES, LLC | 13 | 7.625% | $145,000 | 0.0% |
| Civista Bank | 13 | 7.000% | $225,000 | 17.7% |
| VILLAGE CAPITAL & INVESTMENT LLC | 12 | 5.750% | $225,000 | 12.9% |
| Bank of America, National Association | 12 | 5.490% | $225,000 | 42.9% |
| GUARANTEED RATE, INC. | 11 | 5.990% | $355,000 | 20.0% |
| Loandepot.Com, LLC | 11 | 5.750% | $265,000 | 26.7% |
| VELOCITY COMMERCIAL CAPITAL, LLC | 11 | 9.865% | $105,000 | 0.0% |
| VISTA POINT MORTGAGE, LLC | 11 | 6.750% | $145,000 | 0.0% |
| AMERICAN PACIFIC MORTGAGE CORPORATION | 10 | 6.750% | $210,000 | 16.7% |
| Discover Bank | 9 | Under 10 loans | Under 10 loans | 73.5% |
| AMERICAN HERITAGE LENDING, LLC | 9 | Under 10 loans | Under 10 loans | 5.6% |
| LUMENT REAL ESTATE CAPITAL, LLC | 9 | Under 10 loans | Under 10 loans | 0.0% |
| Broker Solutions, Inc. | 8 | Under 10 loans | Under 10 loans | 38.5% |
| Synergy One Lending, Inc. | 8 | Under 10 loans | Under 10 loans | 0.0% |
| RF RENOVO MANAGEMENT COMPANY, LLC | 8 | Under 10 loans | Under 10 loans | 0.0% |
| HOWARD HANNA FINANCIAL SERVICES, INC. | 8 | Under 10 loans | Under 10 loans | 0.0% |
| CNB Bank | 8 | Under 10 loans | Under 10 loans | 20.0% |
| OCEANSIDE MORTGAGE COMPANY | 8 | Under 10 loans | Under 10 loans | 0.0% |
| LoanUnited.com, LLC | 7 | Under 10 loans | Under 10 loans | 30.0% |
| SOFI BANK, NATIONAL ASSOCIATION | 7 | Under 10 loans | Under 10 loans | 0.0% |
| NEW DAY FINANCIAL, LLC | 7 | Under 10 loans | Under 10 loans | 11.1% |
| GUILD MORTGAGE COMPANY | 7 | Under 10 loans | Under 10 loans | 0.0% |
| The Middlefield Banking Company | 7 | Under 10 loans | Under 10 loans | 12.5% |
| CLEARPATH LENDING | 7 | Under 10 loans | Under 10 loans | 12.5% |
| LONGBRIDGE FINANCIAL, LLC | 7 | Under 10 loans | Under 10 loans | 11.1% |
| PROVIDENT FUNDING ASSOCIATES, L.P. | 7 | Under 10 loans | Under 10 loans | 0.0% |
| NFM, INC. | 7 | Under 10 loans | Under 10 loans | 0.0% |
| PHH Mortgage Corporation | 6 | Under 10 loans | Under 10 loans | 25.0% |
| GoodLeap, LLC | 6 | Under 10 loans | Under 10 loans | 20.0% |
| DEEPHAVEN MORTGAGE LLC | 6 | Under 10 loans | Under 10 loans | 10.0% |
| LOWER, LLC | 6 | Under 10 loans | Under 10 loans | 14.3% |
| LENOX FINANCIAL MORTGAGE CORPORATION, Sage Home Loans Corporation | 6 | Under 10 loans | Under 10 loans | 0.0% |
| NBKC BANK | 6 | Under 10 loans | Under 10 loans | 25.0% |
| CONSTRUCTIVE LOANS, LLC | 6 | Under 10 loans | Under 10 loans | 10.0% |
| The Farmers National Bank of Canfield | 6 | Under 10 loans | Under 10 loans | 0.0% |
| FIRST OHIO HOME FINANCE, INC. | 6 | Under 10 loans | Under 10 loans | 0.0% |
| LAKEVIEW LOAN SERVICING, LLC | 5 | Under 10 loans | Under 10 loans | 59.4% |
| MILEND, INC. | 5 | Under 10 loans | Under 10 loans | 50.0% |
| Navy Federal Credit Union | 5 | Under 10 loans | Under 10 loans | 50.0% |
| HOMEXPRESS MORTGAGE CORP. | 5 | Under 10 loans | Under 10 loans | 73.7% |
| SOUTH RIVER MORTGAGE, LLC | 5 | Under 10 loans | Under 10 loans | 0.0% |
| First Commonwealth Bank | 5 | Under 10 loans | Under 10 loans | 30.0% |
| YOUR HOME FINANCIAL LLC | 5 | Under 10 loans | Under 10 loans | 0.0% |
| Flagstar Bank, N.A. | 5 | Under 10 loans | Under 10 loans | 12.5% |
| ENDEAVOR CAPITAL, LLC. | 5 | Under 10 loans | Under 10 loans | 0.0% |
| S&T Bank | 5 | Under 10 loans | Under 10 loans | 14.3% |
| CF Bank, National Association | 5 | Under 10 loans | Under 10 loans | 0.0% |
| RUOFF MORTGAGE COMPANY, INC. | 4 | Under 10 loans | Under 10 loans | 33.3% |
| CARRINGTON MORTGAGE SERVICES, LLC | 4 | Under 10 loans | Under 10 loans | 54.6% |
| CMG MORTGAGE, INC. | 4 | Under 10 loans | Under 10 loans | 16.7% |
| FINANCE OF AMERICA REVERSE LLC | 4 | Under 10 loans | Under 10 loans | 33.3% |
| Equity Prime Mortgage LLC | 4 | Under 10 loans | Under 10 loans | 20.0% |
| The Croghan Colonial Bank | 4 | Under 10 loans | Under 10 loans | 0.0% |
| THE EQUITABLE MORTGAGE CORPORATION | 4 | Under 10 loans | Under 10 loans | 0.0% |
| MORTGAGE SOLUTIONS OF COLORADO, LLC | 4 | Under 10 loans | Under 10 loans | 0.0% |
| RELIANCE FIRST CAPITAL, LLC | 4 | Under 10 loans | Under 10 loans | 0.0% |
| LENDINGONE, LLC | 3 | Under 10 loans | Under 10 loans | 66.7% |
| Hometown Equity Mortgage, LLC | 3 | Under 10 loans | Under 10 loans | 83.3% |
| Cornerstone First Mortgage, Inc | 3 | Under 10 loans | Under 10 loans | 25.0% |
| HOMEBRIDGE FINANCIAL SERVICES, INC. | 3 | Under 10 loans | Under 10 loans | 62.5% |
| PENTAGON FEDERAL CREDIT UNION | 3 | Under 10 loans | Under 10 loans | 50.0% |
| CHAMPIONS FUNDING, LLC | 3 | Under 10 loans | Under 10 loans | 62.5% |
| A&D Mortgage LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| THE LOAN STORE, INC. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| TEMPLE VIEW CAPITAL FUNDING, LP | 3 | Under 10 loans | Under 10 loans | 0.0% |
| SUN WEST MORTGAGE COMPANY, INC. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Pathways Financial Credit Union, Inc. | 3 | Under 10 loans | Under 10 loans | 25.0% |
| CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP | 3 | Under 10 loans | Under 10 loans | 0.0% |
| WesBanco Bank, Inc. | 3 | Under 10 loans | Under 10 loans | 25.0% |
| AML FUNDING LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| POLARIS HOME FUNDING CORP. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Pinnacle Bank | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Regions Bank | 3 | Under 10 loans | Under 10 loans | 0.0% |
| BETTER MORTGAGE CORPORATION | 2 | Under 10 loans | Under 10 loans | 33.3% |
| MISSION LOANS, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Fairway Independent Mortgage Corporation | 2 | Under 10 loans | Under 10 loans | 50.0% |
| NATIONS DIRECT MORTGAGE, LLC | 2 | Under 10 loans | Under 10 loans | 50.0% |
| The Federal Savings Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| MOVEMENT MORTGAGE, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Commerce Home Mortgage, Inc. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| COAST ONE MORTGAGE LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Alcova Mortgage LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| ALLIANT CREDIT UNION | 2 | Under 10 loans | Under 10 loans | 50.0% |
| MortgageCountry, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| CONSUMER REAL ESTATE FINANCE CO. | 2 | Under 10 loans | Under 10 loans | 33.3% |
| MORTGAGE CENTER L.C | 2 | Under 10 loans | Under 10 loans | 0.0% |
| CANOPY MORTGAGE, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Emporium TPO LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| First Financial Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Cazle Mortgage, Inc. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| AMERICAN INTERNET MORTGAGE, INC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Waterstone Mortgage Corporation | 2 | Under 10 loans | Under 10 loans | 0.0% |
| UBS Bank USA | 2 | Under 10 loans | Under 10 loans | 0.0% |
| TRADITIONAL MORTGAGE ACCEPTANCE CORPORATION | 2 | Under 10 loans | Under 10 loans | 0.0% |
| CHARTWAY FEDERAL CREDIT UNION | 2 | Under 10 loans | Under 10 loans | 0.0% |
| SPRING EQ, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| COMPASS MORTGAGE, INC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Community Star Credit Union | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Skyrock Mortgage Corp | 2 | Under 10 loans | Under 10 loans | 0.0% |
| 984500RF83EA742B5589 | 2 | Under 10 loans | Under 10 loans | 0.0% |
| ABSOLUTE HOME MORTGAGE CORPORATION | 1 | Under 10 loans | Under 10 loans | 50.0% |
| LIMA ONE CAPITAL, LLC | 1 | Under 10 loans | Under 10 loans | 66.7% |
| Prosperity Home Mortgage, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| NEXERA HOLDING LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Griffin Funding, Inc. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Texana Bank, National Association | 1 | Under 10 loans | Under 10 loans | 0.0% |
| HILTON FINANCIAL CORPORATION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| AMERITRUST MORTGAGE CORPORATION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| OCMBC, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| FOUNDATION MORTGAGE CORPORATION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| ICE LENDER HOLDINGS LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| PRIMELENDING, A PLAINSCAPITAL COMPANY | 1 | Under 10 loans | Under 10 loans | 50.0% |
| NATIONWIDE MORTGAGE BANKERS, INC. | 1 | Under 10 loans | Under 10 loans | 50.0% |
| EMM LOANS LLC | 1 | Under 10 loans | Under 10 loans | 50.0% |
| Farmers Bank & Trust | 1 | Under 10 loans | Under 10 loans | 0.0% |
| QUORUM FEDERAL CREDIT UNION | 1 | Under 10 loans | Under 10 loans | 33.3% |
| SayGO Home Loans, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Independent Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| GO MORTGAGE, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Churchill Funding I LLC | 1 | Under 10 loans | Under 10 loans | 50.0% |
| Archwest Funding | 1 | Under 10 loans | Under 10 loans | 0.0% |
| RPE Home, Inc | 1 | Under 10 loans | Under 10 loans | 0.0% |
| FIRST COLONY MORTGAGE CORPORATION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| ARC HOME LLC | 1 | Under 10 loans | Under 10 loans | 50.0% |
| AFFINITY | 1 | Under 10 loans | Under 10 loans | 50.0% |
| First Federal Savings of Lorain | 1 | Under 10 loans | Under 10 loans | 0.0% |
| AMERICAN FINANCIAL NETWORK, INC. | 1 | Under 10 loans | Under 10 loans | 50.0% |
| NORTHERN MORTGAGE SERVICES, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| SWBC MORTGAGE CORPORATION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| EQUITY RESOURCES, INC. | 1 | Under 10 loans | Under 10 loans | 50.0% |
| T2 FINANCIAL LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| ENVOY MORTGAGE, LTD | 1 | Under 10 loans | Under 10 loans | 0.0% |
| BRIDGE CREDIT UNION, INC. | 1 | Under 10 loans | Under 10 loans | 50.0% |
| Valon Mortgage, Inc. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| FIRST COMMUNITY MORTGAGE, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| GUIDANCE RESIDENTIAL, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| HARTFORD FUNDING, LTD. | 1 | Under 10 loans | Under 10 loans | 50.0% |
| Barrington Bank & Trust Company, National Association | 1 | Under 10 loans | Under 10 loans | 0.0% |
| USAA Federal Savings Bank | 1 | Under 10 loans | Under 10 loans | 50.0% |
| Citibank, National Association | 1 | Under 10 loans | Under 10 loans | 0.0% |
| 2549004XDCE3LGQW7H72 | 1 | Under 10 loans | Under 10 loans | 0.0% |
| SmartFi Home Loans, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Citadel Servicing Corporation | 1 | Under 10 loans | Under 10 loans | 0.0% |
| CREDENCE FUNDING CORPORATION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Unity Catholic Federal Credit Union | 1 | Under 10 loans | Under 10 loans | 0.0% |
| 1st National Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| WALKER & DUNLOP, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Paramount Residential Mortgage Group, Inc. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| BMO Bank National Association | 1 | Under 10 loans | Under 10 loans | 0.0% |
| STG MORTGAGE INC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| GENEVA FINANCIAL, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Mortgage Right | 1 | Under 10 loans | Under 10 loans | 0.0% |
| RESICENTRAL, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| INTERSTATE HOME LOAN CENTER, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Click n' Close, Inc. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Seven Seventeen Credit Union | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Portage Community Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| SOUTHWEST FUNDING, LP | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Presidential Bank, FSB | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Community Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| BARINGS MULTIFAMILY CAPITAL LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| MLD MORTGAGE INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| ARBOR REALTY TRUST, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Clearview Federal Credit Union | 1 | Under 10 loans | Under 10 loans | 0.0% |
Ranked by mortgages made here in 2025. "Denied" is the share of this lender’s decisions here that were denials. Another 97 lenders each made 1 or fewer mortgages here, and are counted in the totals above.
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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.