Home purchase lenders in Fairfield County
2,293 home purchase mortgages were made in Fairfield County, Ohio, in 2025, by 227 lenders. The median rate their borrowers got was 6.500% on a median loan of $315,000. Of 2,614 decisions, 254 were denials — 9.7%, most often for debt-to-income ratio.
| Lender | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| DHI MORTGAGE COMPANY, LTD. | 148 | 4.500% | $425,000 | 22.5% |
| UNION HOME MORTGAGE CORP. | 138 | 6.875% | $255,000 | 2.1% |
| NFM, INC. | 119 | 6.875% | $275,000 | 1.7% |
| UNITED SHORE FINANCIAL SERVICES, LLC | 98 | 6.625% | $315,000 | 11.6% |
| Rocket Mortgage, LLC | 92 | 6.625% | $265,000 | 4.2% |
| CROSSCOUNTRY MORTGAGE, INC. | 84 | 6.750% | $290,000 | 3.4% |
| The Park National Bank | 80 | 6.625% | $170,000 | 19.6% |
| LOWER, LLC | 80 | 6.625% | $255,000 | 0.0% |
| THE VINTON COUNTY NATIONAL BANK | 72 | 6.063% | $405,000 | 2.3% |
| NVR Mortgage Finance, Inc. | 71 | 5.990% | $345,000 | 21.1% |
| The Huntington National Bank | 66 | 6.500% | $305,000 | 4.4% |
| Fairway Independent Mortgage Corporation | 54 | 6.875% | $325,000 | 0.0% |
| Union Savings Bank | 48 | 6.750% | $285,000 | 2.0% |
| EQUITY RESOURCES, INC. | 43 | 6.750% | $265,000 | 2.3% |
| JPMorgan Chase Bank, National Association | 42 | 6.375% | $300,000 | 6.7% |
| RAPID MORTGAGE COMPANY | 42 | 6.750% | $255,000 | 0.0% |
| J. VIRGIL, INC. | 42 | 6.625% | $245,000 | 4.6% |
| Fairfield Federal Savings and Loan Association of Lancaster | 40 | Not published | $315,000 | 5.5% |
| VICTORY MORTGAGE, L.L.C. | 37 | 5.750% | $505,000 | 7.5% |
| PENNYMAC LOAN SERVICES, LLC | 33 | 6.250% | $305,000 | 8.3% |
| RUOFF MORTGAGE COMPANY, INC. | 32 | 6.688% | $270,000 | 4.6% |
| GUARANTEED RATE, INC. | 31 | 6.250% | $355,000 | 0.0% |
| Fifth Third Bank, National Association | 29 | 6.625% | $295,000 | 17.1% |
| Mortgage Research Center, LLC | 29 | 6.250% | $325,000 | 0.0% |
| T2 FINANCIAL LLC | 29 | 6.625% | $355,000 | 0.0% |
| M/I FINANCIAL, LLC | 24 | 6.000% | $440,000 | 6.9% |
| Peoples Bank | 22 | 6.813% | $140,000 | 18.5% |
| Broker Solutions, Inc. | 20 | 6.875% | $215,000 | 0.0% |
| NEWREZ LLC | 19 | 6.250% | $305,000 | 0.0% |
| RMC HOME MORTGAGE, LLC | 18 | 5.375% | $425,000 | 14.3% |
| WRIGHT-PATT CREDIT UNION, INC. | 18 | 6.250% | $300,000 | 5.3% |
| The State Bank and Trust Company | 16 | 6.563% | $250,000 | 0.0% |
| Kiavi Funding, Inc. | 16 | 10.720% | $265,000 | 0.0% |
| PNC Bank, National Association | 14 | 6.750% | $290,000 | 22.2% |
| RIGHT START MORTGAGE, INC. | 14 | 6.813% | $310,000 | 0.0% |
| Kingston National Bank | 14 | Not published | $210,000 | 12.5% |
| Third Federal Savings and Loan Association of Cleveland | 13 | 6.490% | $305,000 | 11.8% |
| The Savings Bank | 13 | Not published | $215,000 | 0.0% |
| THE LOAN STORE, INC. | 13 | 6.625% | $295,000 | 0.0% |
| RF RENOVO MANAGEMENT COMPANY, LLC | 13 | 10.250% | $185,000 | 0.0% |
| WesBanco Bank, Inc. | 12 | 6.921% | $425,000 | 7.1% |
| POLARIS HOME FUNDING CORP. | 11 | 6.750% | $265,000 | 7.7% |
| First Financial Bank | 10 | 6.375% | $345,000 | 16.7% |
| AMERICAN PACIFIC MORTGAGE CORPORATION | 10 | 6.563% | $305,000 | 0.0% |
| Paramount Residential Mortgage Group, Inc. | 10 | 6.870% | $325,000 | 9.1% |
| FIRST OHIO HOME FINANCE, INC. | 9 | Under 10 loans | Under 10 loans | 0.0% |
| HOWARD HANNA FINANCIAL SERVICES, INC. | 9 | Under 10 loans | Under 10 loans | 10.0% |
| THE EQUITABLE MORTGAGE CORPORATION | 9 | Under 10 loans | Under 10 loans | 0.0% |
| UNION CAPITAL MORTGAGE CORPORATION | 9 | Under 10 loans | Under 10 loans | 0.0% |
| PROVIDENT FUNDING ASSOCIATES, L.P. | 9 | Under 10 loans | Under 10 loans | 0.0% |
| MUTUAL OF OMAHA MORTGAGE, INC. | 9 | Under 10 loans | Under 10 loans | 0.0% |
| GO MORTGAGE, LLC | 9 | Under 10 loans | Under 10 loans | 0.0% |
| U.S. Bank National Association | 8 | Under 10 loans | Under 10 loans | 46.7% |
| Click n' Close, Inc. | 8 | Under 10 loans | Under 10 loans | 0.0% |
| DEVELOPER'S MORTGAGE COMPANY | 7 | Under 10 loans | Under 10 loans | 41.7% |
| USAA Federal Savings Bank | 7 | Under 10 loans | Under 10 loans | 30.0% |
| SCHUMACHER MORTGAGE LLC | 7 | Under 10 loans | Under 10 loans | 12.5% |
| Civista Bank | 7 | Under 10 loans | Under 10 loans | 12.5% |
| TELHIO | 7 | Under 10 loans | Under 10 loans | 0.0% |
| First Merchants Bank | 7 | Under 10 loans | Under 10 loans | 0.0% |
| Pathways Financial Credit Union, Inc. | 7 | Under 10 loans | Under 10 loans | 0.0% |
| 21st Mortgage Corporation | 6 | Under 10 loans | Under 10 loans | 66.7% |
| Navy Federal Credit Union | 6 | Under 10 loans | Under 10 loans | 14.3% |
| Bank of America, National Association | 6 | Under 10 loans | Under 10 loans | 14.3% |
| GUARANTEED RATE AFFINITY, LLC | 6 | Under 10 loans | Under 10 loans | 0.0% |
| FREEDOM MORTGAGE CORPORATION | 6 | Under 10 loans | Under 10 loans | 14.3% |
| North Valley Bank | 6 | Under 10 loans | Under 10 loans | 0.0% |
| FIRST COMMUNITY MORTGAGE, INC. | 6 | Under 10 loans | Under 10 loans | 0.0% |
| ATOMIC CREDIT UNION, INC. | 5 | Under 10 loans | Under 10 loans | 37.5% |
| German American Bank | 5 | Under 10 loans | Under 10 loans | 37.5% |
| Plains Commerce Bank | 5 | Under 10 loans | Under 10 loans | 28.6% |
| Kemba Financial Credit Union Inc | 5 | Under 10 loans | Under 10 loans | 0.0% |
| UNIFIED BANK | 5 | Under 10 loans | Under 10 loans | 0.0% |
| Synergy One Lending, Inc. | 5 | Under 10 loans | Under 10 loans | 16.7% |
| AMERICAN FINANCIAL RESOURCES, INC. | 5 | Under 10 loans | Under 10 loans | 0.0% |
| Farm Credit Mid-America | 5 | Under 10 loans | Under 10 loans | 0.0% |
| TRIAD FINANCIAL SERVICES, INC. | 4 | Under 10 loans | Under 10 loans | 52.0% |
| BAYSHORE MORTGAGE FUNDING, LLC | 4 | Under 10 loans | Under 10 loans | 0.0% |
| The Union Bank Company | 4 | Under 10 loans | Under 10 loans | 20.0% |
| LAND HOME FINANCIAL SERVICES, INC. | 4 | Under 10 loans | Under 10 loans | 0.0% |
| SUN WEST MORTGAGE COMPANY, INC. | 4 | Under 10 loans | Under 10 loans | 16.7% |
| ZILLOW HOME LOANS, LLC | 4 | Under 10 loans | Under 10 loans | 0.0% |
| GUILD MORTGAGE COMPANY | 4 | Under 10 loans | Under 10 loans | 0.0% |
| First Federal Savings and Loan Association of Lakewood | 4 | Under 10 loans | Under 10 loans | 0.0% |
| PENTAGON FEDERAL CREDIT UNION | 4 | Under 10 loans | Under 10 loans | 0.0% |
| KeyBank National Association | 4 | Under 10 loans | Under 10 loans | 0.0% |
| Nations Lending Corporation | 4 | Under 10 loans | Under 10 loans | 0.0% |
| GENEVA FINANCIAL, LLC | 4 | Under 10 loans | Under 10 loans | 0.0% |
| PLANET HOME LENDING, LLC | 4 | Under 10 loans | Under 10 loans | 0.0% |
| EAST COAST CAPITAL CORP. | 4 | Under 10 loans | Under 10 loans | 0.0% |
| CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP | 4 | Under 10 loans | Under 10 loans | 0.0% |
| Wells Fargo Bank, National Association | 3 | Under 10 loans | Under 10 loans | 0.0% |
| The Federal Savings Bank | 3 | Under 10 loans | Under 10 loans | 0.0% |
| SIRVA MORTGAGE, INC. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| DAS Acquisition Company, LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Flagstar Bank, N.A. | 3 | Under 10 loans | Under 10 loans | 40.0% |
| Tomo Mortgage, LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| SOFI BANK, NATIONAL ASSOCIATION | 3 | Under 10 loans | Under 10 loans | 0.0% |
| PEOPLES STATE BANK | 3 | Under 10 loans | Under 10 loans | 0.0% |
| 254900CTT87ZKAUTIJ37 | 3 | Under 10 loans | Under 10 loans | 0.0% |
| First Service Federal Credit Union | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Prosperity Home Mortgage, LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| AMERICAN FINANCING CORPORATION | 3 | Under 10 loans | Under 10 loans | 0.0% |
| CLEAREDGE LENDING LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| VANDERBILT MORTGAGE AND FINANCE, INC. | 2 | Under 10 loans | Under 10 loans | 73.3% |
| KIND LENDING, LLC | 2 | Under 10 loans | Under 10 loans | 66.7% |
| AMERICAN FINANCIAL NETWORK, INC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| A&D Mortgage LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| First Federal Savings and Loan Association | 2 | Under 10 loans | Under 10 loans | 0.0% |
| AMERICAN NEIGHBORHOOD MORTGAGE ACCEPTANCE COMPANY LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| BMI Federal Credit Union | 2 | Under 10 loans | Under 10 loans | 0.0% |
| EVERETT FINANCIAL, INC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| AMERIHOME MORTGAGE COMPANY, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| The Merchants National Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| UNITED MORTGAGE CORP. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| MOVEMENT MORTGAGE, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| MORTGAGE SOLUTIONS OF COLORADO, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| TOWNE MORTGAGE COMPANY | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Ixonia Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| LENDSURE MORTGAGE CORP. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| CREDIT UNION OF OHIO | 2 | Under 10 loans | Under 10 loans | 0.0% |
| DEEPHAVEN MORTGAGE LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Buckeye State Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| CHAMPIONS FUNDING, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| BETTER MORTGAGE CORPORATION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| PRIMELENDING, A PLAINSCAPITAL COMPANY | 1 | Under 10 loans | Under 10 loans | 66.7% |
| NBKC BANK | 1 | Under 10 loans | Under 10 loans | 66.7% |
| CARRINGTON MORTGAGE SERVICES, LLC | 1 | Under 10 loans | Under 10 loans | 50.0% |
| SOUTHWEST STAGE FUNDING, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| GOLD STAR MORTGAGE FINANCIAL GROUP, CORPORATION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Loandepot.Com, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| LIBERTY HOME MORTGAGE CORPORATION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Bankers' Bank | 1 | Under 10 loans | Under 10 loans | 50.0% |
| CMG MORTGAGE, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| ENVOY MORTGAGE, LTD | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Equity Prime Mortgage LLC | 1 | Under 10 loans | Under 10 loans | 50.0% |
| NATIONS DIRECT MORTGAGE, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| HOMEXPRESS MORTGAGE CORP. | 1 | Under 10 loans | Under 10 loans | 50.0% |
| GUIDANCE RESIDENTIAL, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| ALLIED MORTGAGE GROUP, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| CANOPY MORTGAGE, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| First National Bank of Pennsylvania | 1 | Under 10 loans | Under 10 loans | 50.0% |
| Independent Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| CAPITAL CENTER, L.L.C. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| The Farmers Bank and Savings Company | 1 | Under 10 loans | Under 10 loans | 0.0% |
| LIMA ONE CAPITAL, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Midwest Heritage Bank, FSB | 1 | Under 10 loans | Under 10 loans | 0.0% |
| First Western Trust Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| 3RD STREET FINANCIAL CORP. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| General Mortgage Capital Corporation | 1 | Under 10 loans | Under 10 loans | 0.0% |
| First National Bank of America | 1 | Under 10 loans | Under 10 loans | 0.0% |
| ARK-LA-TEX FINANCIAL SERVICES, LLC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| RBC Bank, (Georgia) National Association | 1 | Under 10 loans | Under 10 loans | 0.0% |
| HOMEBRIDGE FINANCIAL SERVICES, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| TOP FLITE FINANCIAL, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| CME Federal Credit Union | 1 | Under 10 loans | Under 10 loans | 0.0% |
| FineMark National Bank & Trust | 1 | Under 10 loans | Under 10 loans | 0.0% |
| BPL MORTGAGE TRUST, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| TENNESSEE VALLEY FCU | 1 | Under 10 loans | Under 10 loans | 0.0% |
| GVC MORTGAGE, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Armed Forces Bank, National Association | 1 | Under 10 loans | Under 10 loans | 0.0% |
| The Community Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| CHURCHILL MORTGAGE CORPORATION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| EUSTIS MORTGAGE CORPORATION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| MORTGAGE ACCESS CORP. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| EMM LOANS LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Guardian Savings Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Morgan Stanley Private Bank, National Association | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Clear Mountain Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| ANGEL OAK MORTGAGE SOLUTIONS LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| First Federal Community Bank of Bucyrus | 1 | Under 10 loans | Under 10 loans | 0.0% |
| GENERAL ELECTRIC CREDIT UNION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| NexBank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| V.I.P. MORTGAGE, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| BRIDGE CREDIT UNION, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| BAY EQUITY LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| INTERCAP LENDING INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| UNIVERSAL 1 CREDIT UNION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Devon Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| HONDA Federal Credit Union | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Merchants Bank of Indiana | 1 | Under 10 loans | Under 10 loans | 0.0% |
| PIKE CREEK MORTGAGE SERVICES, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| CITY FIRST MORTGAGE SERVICES, L.L.C. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Emporium TPO LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| SUCCESS LENDING, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Stifel Bank and Trust | 1 | Under 10 loans | Under 10 loans | 0.0% |
| S&T Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| First Commonwealth Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Republic Bank & Trust Company | 1 | Under 10 loans | Under 10 loans | 0.0% |
| LENDINGONE, LLC | 0 | Under 10 loans | Under 10 loans | Not published |
| Loan Funder LLC | 0 | Under 10 loans | Under 10 loans | 100.0% |
| HFG HOLDINGS, LLC | 0 | Under 10 loans | Under 10 loans | Not published |
| Advisors Mortgage Group, L.L.C. | 0 | Under 10 loans | Under 10 loans | Not published |
| 254900O723MCLR701H50 | 0 | Under 10 loans | Under 10 loans | 100.0% |
| ICE LENDER HOLDINGS LLC | 0 | Under 10 loans | Under 10 loans | 100.0% |
| BayCoast Bank | 0 | Under 10 loans | Under 10 loans | Not published |
| CREDIT HUMAN FEDERAL CREDIT UNION | 0 | Under 10 loans | Under 10 loans | 100.0% |
| Manufacturers and Traders Trust Company | 0 | Under 10 loans | Under 10 loans | 100.0% |
| TrueCore Federal Credit Union | 0 | Under 10 loans | Under 10 loans | Not published |
| Gateway First Bank | 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. Another 27 lenders each made 0 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.