Mortgage lenders in Defiance County
778 mortgages were made in Defiance County, Ohio, in 2025, by 148 lenders. The median rate their borrowers got was 6.750% on a median loan of $125,000. Of 1,043 decisions, 224 were denials — 21.5%, most often for credit history.
| Lender | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| The Huntington National Bank | 121 | 7.090% | $125,000 | 20.0% |
| The State Bank and Trust Company | 105 | 6.375% | $105,000 | 6.9% |
| WesBanco Bank, Inc. | 83 | 6.740% | $95,000 | 19.6% |
| The Farmers & Merchants State Bank | 73 | 7.375% | $105,000 | 14.1% |
| Rocket Mortgage, LLC | 50 | 6.875% | $130,000 | 23.1% |
| CROSSCOUNTRY MORTGAGE, INC. | 39 | 6.990% | $145,000 | 9.3% |
| SUPERIOR CREDIT UNION, INC. | 23 | 6.500% | $135,000 | 8.0% |
| Fifth Third Bank, National Association | 20 | 7.245% | $95,000 | 43.9% |
| The Sherwood State Bank | 16 | Not published | $125,000 | 5.9% |
| The Citizens National Bank of Bluffton | 13 | 6.750% | $135,000 | 12.5% |
| UNITED SHORE FINANCIAL SERVICES, LLC | 12 | 5.688% | $165,000 | 13.3% |
| 2549008C0Z4DABRKVV12 | 12 | Not published | $140,000 | 0.0% |
| Mortgage Research Center, LLC | 9 | Under 10 loans | Under 10 loans | 37.5% |
| Loandepot.Com, LLC | 8 | Under 10 loans | Under 10 loans | 33.3% |
| FREEDOM MORTGAGE CORPORATION | 8 | Under 10 loans | Under 10 loans | 10.0% |
| PENNYMAC LOAN SERVICES, LLC | 8 | Under 10 loans | Under 10 loans | 0.0% |
| Three Rivers Federal Credit Union | 7 | Under 10 loans | Under 10 loans | 22.2% |
| RUOFF MORTGAGE COMPANY, INC. | 7 | Under 10 loans | Under 10 loans | 0.0% |
| UNION HOME MORTGAGE CORP. | 7 | Under 10 loans | Under 10 loans | 0.0% |
| GVC MORTGAGE, INC. | 7 | Under 10 loans | Under 10 loans | 0.0% |
| First Financial Bank | 5 | Under 10 loans | Under 10 loans | 37.5% |
| EQUITY RESOURCES, INC. | 5 | Under 10 loans | Under 10 loans | 28.6% |
| SOFI BANK, NATIONAL ASSOCIATION | 5 | Under 10 loans | Under 10 loans | 0.0% |
| Navy Federal Credit Union | 4 | Under 10 loans | Under 10 loans | 42.9% |
| CARRINGTON MORTGAGE SERVICES, LLC | 4 | Under 10 loans | Under 10 loans | 33.3% |
| SIWELL, INC. | 4 | Under 10 loans | Under 10 loans | 0.0% |
| AMERICAN FINANCIAL NETWORK, INC. | 4 | Under 10 loans | Under 10 loans | 0.0% |
| Coastal Community Bank | 3 | Under 10 loans | Under 10 loans | 7.1% |
| PNC Bank, National Association | 3 | Under 10 loans | Under 10 loans | 40.0% |
| FIGURE LENDING LLC | 3 | Under 10 loans | Under 10 loans | 50.0% |
| Citizens Bank, National Association | 3 | Under 10 loans | Under 10 loans | 0.0% |
| HOWARD HANNA FINANCIAL SERVICES, INC. | 3 | Under 10 loans | Under 10 loans | 25.0% |
| POLARIS HOME FUNDING CORP. | 3 | Under 10 loans | Under 10 loans | 25.0% |
| The Union Bank Company | 3 | Under 10 loans | Under 10 loans | 0.0% |
| THE ANTWERP EXCHANGE BANK COMPANY | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Click n' Close, Inc. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Civista Bank | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Broker Solutions, Inc. | 2 | Under 10 loans | Under 10 loans | 66.7% |
| NEW DAY FINANCIAL, LLC | 2 | Under 10 loans | Under 10 loans | 60.0% |
| AmeriSave Mortgage Corporation | 2 | Under 10 loans | Under 10 loans | 80.0% |
| 21st Mortgage Corporation | 2 | Under 10 loans | Under 10 loans | 77.8% |
| NEWREZ LLC | 2 | Under 10 loans | Under 10 loans | 60.0% |
| VANDERBILT MORTGAGE AND FINANCE, INC. | 2 | Under 10 loans | Under 10 loans | 50.0% |
| AMERICAN FINANCING CORPORATION | 2 | Under 10 loans | Under 10 loans | 40.0% |
| KeyBank National Association | 2 | Under 10 loans | Under 10 loans | 60.0% |
| Fairway Independent Mortgage Corporation | 2 | Under 10 loans | Under 10 loans | 50.0% |
| MidWest America Federal Credit Union | 2 | Under 10 loans | Under 10 loans | 0.0% |
| SCHUMACHER MORTGAGE LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Lendage, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| AG CREDIT AGRICULTURAL CREDIT ASSOCIATION | 2 | Under 10 loans | Under 10 loans | 0.0% |
| First National Bank of America | 2 | Under 10 loans | Under 10 loans | 0.0% |
| HOMEBRIDGE FINANCIAL SERVICES, INC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| PROFED CREDIT UNION | 2 | Under 10 loans | Under 10 loans | 0.0% |
| CMG MORTGAGE, INC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| NATIONSTAR MORTGAGE LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| JPMorgan Chase Bank, National Association | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Discover Bank | 1 | Under 10 loans | Under 10 loans | 80.0% |
| TRIAD FINANCIAL SERVICES, INC. | 1 | Under 10 loans | Under 10 loans | 50.0% |
| U.S. Bank National Association | 1 | Under 10 loans | Under 10 loans | 50.0% |
| SPRING EQ, LLC | 1 | Under 10 loans | Under 10 loans | 66.7% |
| LOWER, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| VILLAGE CAPITAL & INVESTMENT LLC | 1 | Under 10 loans | Under 10 loans | 50.0% |
| GREENSTATE Credit Union | 1 | Under 10 loans | Under 10 loans | 33.3% |
| Flagstar Bank, N.A. | 1 | Under 10 loans | Under 10 loans | 66.7% |
| THE LOAN STORE, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| AMERIHOME MORTGAGE COMPANY, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| ZILLOW HOME LOANS, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| MEMBER FIRST MORTGAGE, LLC | 1 | Under 10 loans | Under 10 loans | 50.0% |
| Third Federal Savings and Loan Association of Cleveland | 1 | Under 10 loans | Under 10 loans | 50.0% |
| The Federal Savings Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| PANORAMA MORTGAGE GROUP, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| VICTORIAN FINANCE, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| DAS Acquisition Company, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Lake City Bank | 1 | Under 10 loans | Under 10 loans | 50.0% |
| First National Bank of Pennsylvania | 1 | Under 10 loans | Under 10 loans | 0.0% |
| PHH Mortgage Corporation | 1 | Under 10 loans | Under 10 loans | 0.0% |
| NOTRE DAME FEDERAL CREDIT UNION CORPORATION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Loan Funder LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| 254900TSA1PSM0OS4798 | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Paramount Residential Mortgage Group, Inc. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| GENEVA FINANCIAL, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| TOP FLITE FINANCIAL, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| MICHIGAN STATE UNIVERSITY Federal Credit Union | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Farm Credit Mid-America | 1 | Under 10 loans | Under 10 loans | 0.0% |
| The Middlefield Banking Company | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Old National Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| LIBERTY HOME MORTGAGE CORPORATION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Servion, Inc. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| UNION CAPITAL MORTGAGE CORPORATION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| PARTNERS 1ST Federal Credit Union | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Premia Mortgage, LLC DBA Premia Relocation Mortgage | 1 | Under 10 loans | Under 10 loans | 0.0% |
| MORTGAGE 1 INCORPORATED | 1 | Under 10 loans | Under 10 loans | 0.0% |
| PLAZA HOME MORTGAGE, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Home Loan Investment Bank, F.S.B. | 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% |
| MUTUAL OF OMAHA MORTGAGE, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| LCNB National Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| RiverHills Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| ALLIED MORTGAGE GROUP, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| ROYAL UNITED MORTGAGE LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| LENDSURE MORTGAGE CORP. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| SECURITYNATIONAL MORTGAGE COMPANY | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Kemba Financial Credit Union Inc | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Buckeye State Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| United Trust Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| USAA Federal Savings Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| First Commonwealth Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| BETTER MORTGAGE CORPORATION | 0 | Under 10 loans | Under 10 loans | Not published |
| Bank of America, National Association | 0 | Under 10 loans | Under 10 loans | 100.0% |
| MILEND, INC. | 0 | Under 10 loans | Under 10 loans | Not published |
| TAMMAC HOLDINGS CORPORATION | 0 | Under 10 loans | Under 10 loans | 33.3% |
| LAKEVIEW LOAN SERVICING, LLC | 0 | Under 10 loans | Under 10 loans | 100.0% |
| HFG HOLDINGS, LLC | 0 | Under 10 loans | Under 10 loans | 100.0% |
| First Federal Bank | 0 | Under 10 loans | Under 10 loans | 100.0% |
| 254900CTT87ZKAUTIJ37 | 0 | Under 10 loans | Under 10 loans | Not published |
| 254900M2C4Q6DATP2889 | 0 | Under 10 loans | Under 10 loans | Not published |
| AMERICA FIRST Federal Credit Union | 0 | Under 10 loans | Under 10 loans | 100.0% |
| AMERICAN INTERNET MORTGAGE, INC. | 0 | Under 10 loans | Under 10 loans | Not published |
| ENDEAVOR CAPITAL, LLC. | 0 | Under 10 loans | Under 10 loans | 100.0% |
| PENTAGON FEDERAL CREDIT UNION | 0 | Under 10 loans | Under 10 loans | 100.0% |
| OCMBC, INC. | 0 | Under 10 loans | Under 10 loans | Not published |
| Equity Prime Mortgage LLC | 0 | Under 10 loans | Under 10 loans | Not published |
| Bethpage Federal Credit Union | 0 | Under 10 loans | Under 10 loans | 100.0% |
| MORTGAGE SOLUTIONS OF COLORADO, LLC | 0 | Under 10 loans | Under 10 loans | 100.0% |
| CONSUMER REAL ESTATE FINANCE CO. | 0 | Under 10 loans | Under 10 loans | 100.0% |
| STOCKTON MORTGAGE CORPORATION | 0 | Under 10 loans | Under 10 loans | Not published |
| ONY GLO, INC. | 0 | Under 10 loans | Under 10 loans | 100.0% |
| NORWICH COMMERCIAL GROUP, INC. | 0 | Under 10 loans | Under 10 loans | Not published |
| ALLIANT CREDIT UNION | 0 | Under 10 loans | Under 10 loans | 100.0% |
| GUARANTEED RATE, INC. | 0 | Under 10 loans | Under 10 loans | Not published |
| CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP | 0 | Under 10 loans | Under 10 loans | 0.0% |
| VAN DYK MORTGAGE CORPORATION | 0 | Under 10 loans | Under 10 loans | Not published |
| Allied First Bank,sb | 0 | Under 10 loans | Under 10 loans | 100.0% |
| DEEPHAVEN MORTGAGE LLC | 0 | Under 10 loans | Under 10 loans | 100.0% |
| GoodLeap, LLC | 0 | Under 10 loans | Under 10 loans | 0.0% |
| Citibank, National Association | 0 | Under 10 loans | Under 10 loans | Not published |
| Truist Bank | 0 | Under 10 loans | Under 10 loans | 100.0% |
| Wells Fargo Bank, National Association | 0 | Under 10 loans | Under 10 loans | 100.0% |
| Northwest Bank | 0 | Under 10 loans | Under 10 loans | Not published |
| S&T Bank | 0 | Under 10 loans | Under 10 loans | 100.0% |
| Horizon Bank | 0 | Under 10 loans | Under 10 loans | 100.0% |
| First Merchants Bank | 0 | Under 10 loans | Under 10 loans | 100.0% |
| MidFirst Bank | 0 | Under 10 loans | Under 10 loans | Not published |
| PLANET HOME LENDING, LLC | 0 | Under 10 loans | Under 10 loans | Not published |
| First Federal Savings of Lorain | 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 |
| CALCON MUTUAL MORTGAGE LLC | 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 Defiance County
16 FDIC-insured branches from 10 banks, as of 30 June 2026, with the deposits held at them.
| Bank | Branches here | Deposits |
|---|---|---|
| WesBanco Bank, Inc. | 3 | $357.4 million |
| The State Bank and Trust Company | 3 | $356.7 million |
| The Farmers & Merchants State Bank | 2 | $153.8 million |
| The Sherwood State Bank | 2 | $54.0 million |
| The Huntington National Bank | 1 | $107.8 million |
| Fifth Third Bank, National Association | 1 | $97.5 million |
| The Hicksville Bank | 1 | $71.9 million |
| The Citizens National Bank of Bluffton | 1 | $52.8 million |
| KeyBank National Association | 1 | $30.1 million |
| Woodforest National Bank | 1 | $3.4 million |
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When the next year’s lending figures are out for Defiance County, or a lender arrives or leaves.
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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. 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.