Mortgage lenders in Lucas County
8,905 mortgages were made in Lucas County, Ohio, in 2025, by 370 lenders. The median rate their borrowers got was 6.990% on a median loan of $125,000. Of 12,162 decisions, 2,800 were denials — 23.0%, most often for credit history.
| Lender | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| The Huntington National Bank | 1,209 | 7.490% | $105,000 | 29.2% |
| Fifth Third Bank, National Association | 708 | 7.750% | $85,000 | 31.6% |
| Rocket Mortgage, LLC | 565 | 6.750% | $135,000 | 21.2% |
| UNITED SHORE FINANCIAL SERVICES, LLC | 464 | 6.985% | $135,000 | 18.4% |
| UNION HOME MORTGAGE CORP. | 454 | 6.875% | $165,000 | 4.3% |
| Citizens Bank, National Association | 416 | 7.650% | $85,000 | 26.8% |
| Directions Credit Union, Inc. | 385 | 6.750% | $105,000 | 18.3% |
| KeyBank National Association | 244 | 6.500% | $125,000 | 19.4% |
| SUN Federal Credit Union | 235 | 7.750% | $65,000 | 14.2% |
| EQUITY RESOURCES, INC. | 212 | 6.625% | $165,000 | 10.2% |
| CROSSCOUNTRY MORTGAGE, INC. | 183 | 6.825% | $185,000 | 3.2% |
| Click n' Close, Inc. | 180 | 6.625% | $220,000 | 3.7% |
| PNC Bank, National Association | 175 | 8.100% | $75,000 | 37.2% |
| NEWREZ LLC | 150 | 6.750% | $195,000 | 16.6% |
| BPL MORTGAGE TRUST, LLC | 141 | 7.750% | $75,000 | 7.1% |
| CMG MORTGAGE, INC. | 137 | 6.875% | $215,000 | 4.0% |
| The Genoa Banking Company | 129 | Not published | $185,000 | 5.1% |
| Loandepot.Com, LLC | 122 | 6.990% | $125,000 | 33.3% |
| NFM, INC. | 122 | 6.750% | $175,000 | 1.6% |
| Mortgage Research Center, LLC | 101 | 6.250% | $225,000 | 30.8% |
| WesBanco Bank, Inc. | 101 | 6.500% | $115,000 | 18.8% |
| Kiavi Funding, Inc. | 75 | 9.950% | $105,000 | 6.9% |
| Civista Bank | 74 | 6.625% | $265,000 | 1.3% |
| JPMorgan Chase Bank, National Association | 68 | 6.750% | $145,000 | 8.1% |
| SUPERIOR CREDIT UNION, INC. | 64 | 7.000% | $105,000 | 27.3% |
| FREEDOM MORTGAGE CORPORATION | 63 | 6.250% | $195,000 | 21.5% |
| GVC MORTGAGE, INC. | 63 | 6.990% | $185,000 | 0.0% |
| Navy Federal Credit Union | 58 | 7.313% | $135,000 | 32.6% |
| GUARANTEED RATE, INC. | 56 | 6.750% | $165,000 | 16.4% |
| FIGURE LENDING LLC | 56 | 8.513% | $45,000 | 17.2% |
| Coastal Community Bank | 55 | 11.490% | $45,000 | 1.6% |
| NATIONSTAR MORTGAGE LLC | 52 | 7.875% | $95,000 | 17.2% |
| The Farmers & Merchants State Bank | 50 | 7.500% | $115,000 | 19.4% |
| Broker Solutions, Inc. | 48 | 6.995% | $125,000 | 22.7% |
| PENNYMAC LOAN SERVICES, LLC | 48 | 6.499% | $195,000 | 27.9% |
| The State Bank and Trust Company | 46 | 6.750% | $155,000 | 21.0% |
| HOWARD HANNA FINANCIAL SERVICES, INC. | 45 | 6.750% | $175,000 | 2.2% |
| ARK-LA-TEX FINANCIAL SERVICES, LLC. | 44 | 6.750% | $170,000 | 0.0% |
| RUOFF MORTGAGE COMPANY, INC. | 44 | 6.875% | $185,000 | 3.9% |
| VAN DYK MORTGAGE CORPORATION | 43 | 6.750% | $155,000 | 4.3% |
| Loan Funder LLC | 38 | 10.150% | $125,000 | 25.5% |
| U.S. Bank National Association | 35 | 7.490% | $115,000 | 53.3% |
| THE LOAN STORE, INC. | 33 | 6.875% | $165,000 | 5.1% |
| Signature Bank, National Association | 33 | Not published | $315,000 | 0.0% |
| Waterford Bank, N.A. | 31 | Not published | $225,000 | 3.0% |
| EVERETT FINANCIAL, INC. | 29 | 6.990% | $155,000 | 2.5% |
| MORTGAGE 1 INCORPORATED | 28 | 6.875% | $140,000 | 0.0% |
| AmeriSave Mortgage Corporation | 25 | 6.625% | $85,000 | 80.9% |
| SPRING EQ, LLC | 25 | 10.150% | $55,000 | 66.7% |
| FIRST OHIO HOME FINANCE, INC. | 25 | 7.250% | $85,000 | 3.9% |
| The Croghan Colonial Bank | 24 | Not published | $175,000 | 7.7% |
| TRIAD FINANCIAL SERVICES, INC. | 23 | 8.490% | $55,000 | 50.8% |
| Lendage, LLC | 22 | 11.625% | $50,000 | 16.7% |
| PHH Mortgage Corporation | 22 | 6.625% | $170,000 | 12.0% |
| First Federal Savings and Loan Association of Lakewood | 22 | 6.838% | $135,000 | 18.5% |
| Third Federal Savings and Loan Association of Cleveland | 21 | 6.790% | $75,000 | 41.7% |
| AMERICAN FINANCIAL NETWORK, INC. | 20 | 6.625% | $165,000 | 0.0% |
| K. HOVNANIAN AMERICAN MORTGAGE, L.L.C. | 19 | 6.000% | $355,000 | 0.0% |
| LOWER, LLC | 18 | 6.875% | $210,000 | 9.1% |
| First Federal Savings and Loan Association of Delta | 18 | 6.438% | $150,000 | 10.0% |
| SOFI BANK, NATIONAL ASSOCIATION | 17 | 7.490% | $95,000 | 15.0% |
| MUTUAL OF OMAHA MORTGAGE, INC. | 17 | 6.750% | $145,000 | 29.6% |
| CORNERSTONE COMMUNITY FINANCIAL CREDIT UNION | 17 | Not published | $45,000 | 34.6% |
| KIND LENDING, LLC | 16 | 7.750% | $100,000 | 45.5% |
| VELOCITY COMMERCIAL CAPITAL, LLC | 16 | 9.865% | $150,000 | 5.6% |
| Buckeye State Bank | 16 | 6.688% | $180,000 | 0.0% |
| CARRINGTON MORTGAGE SERVICES, LLC | 15 | 7.125% | $105,000 | 60.9% |
| 21st Mortgage Corporation | 15 | 9.140% | $65,000 | 68.8% |
| MICHIGAN MUTUAL, INC. | 15 | 7.250% | $135,000 | 19.2% |
| Wells Fargo Bank, National Association | 15 | 6.375% | $145,000 | 16.7% |
| First Merchants Bank | 15 | 6.500% | $115,000 | 16.7% |
| GLASS CITY Federal Credit Union | 15 | 6.875% | $165,000 | 28.6% |
| LAKEVIEW LOAN SERVICING, LLC | 14 | 6.750% | $220,000 | 44.4% |
| Flagstar Bank, N.A. | 14 | 6.688% | $160,000 | 26.3% |
| Bank of America, National Association | 13 | 6.000% | $215,000 | 62.2% |
| OCMBC, INC. | 12 | 7.125% | $115,000 | 7.7% |
| Discover Bank | 11 | 8.840% | $55,000 | 78.4% |
| AMERICAN FINANCING CORPORATION | 11 | 6.250% | $145,000 | 50.0% |
| ZILLOW HOME LOANS, LLC | 11 | 6.875% | $135,000 | 26.7% |
| MORTGAGE CENTER L.C | 10 | 6.625% | $110,000 | 28.6% |
| 254900CTT87ZKAUTIJ37 | 10 | 8.120% | $110,000 | 23.1% |
| CHAMPIONS FUNDING, LLC | 10 | 7.813% | $125,000 | 16.7% |
| Fairway Independent Mortgage Corporation | 10 | 6.625% | $175,000 | 9.1% |
| CHURCHILL MORTGAGE CORPORATION | 10 | 6.750% | $180,000 | 9.1% |
| TEMPLE VIEW CAPITAL FUNDING, LP | 10 | 8.000% | $100,000 | 0.0% |
| Equity Prime Mortgage LLC | 9 | Under 10 loans | Under 10 loans | 10.0% |
| USAA Federal Savings Bank | 9 | Under 10 loans | Under 10 loans | 35.7% |
| PENTAGON FEDERAL CREDIT UNION | 9 | Under 10 loans | Under 10 loans | 30.8% |
| FIRSTTRUST HOME LOANS, INC. | 9 | Under 10 loans | Under 10 loans | 0.0% |
| The Union Bank Company | 9 | Under 10 loans | Under 10 loans | 10.0% |
| DEEPHAVEN MORTGAGE LLC | 9 | Under 10 loans | Under 10 loans | 10.0% |
| The Citizens National Bank of Bluffton | 9 | Under 10 loans | Under 10 loans | 0.0% |
| RF RENOVO MANAGEMENT COMPANY, LLC | 9 | Under 10 loans | Under 10 loans | 0.0% |
| VILLAGE CAPITAL & INVESTMENT LLC | 8 | Under 10 loans | Under 10 loans | 26.9% |
| LIMA ONE CAPITAL, LLC | 8 | Under 10 loans | Under 10 loans | 20.0% |
| FREMONT Federal Credit Union | 8 | Under 10 loans | Under 10 loans | 0.0% |
| GUIDANCE RESIDENTIAL, LLC | 8 | Under 10 loans | Under 10 loans | 0.0% |
| Paramount Residential Mortgage Group, Inc. | 7 | Under 10 loans | Under 10 loans | 0.0% |
| Hometown Equity Mortgage, LLC | 7 | Under 10 loans | Under 10 loans | 41.7% |
| HOMEBRIDGE FINANCIAL SERVICES, INC. | 7 | Under 10 loans | Under 10 loans | 20.0% |
| AMERICAN FINANCIAL RESOURCES, INC. | 7 | Under 10 loans | Under 10 loans | 0.0% |
| DOMINION FINANCIAL SERVICES, LLC | 7 | Under 10 loans | Under 10 loans | 0.0% |
| GO MORTGAGE, LLC | 7 | Under 10 loans | Under 10 loans | 0.0% |
| NEW DAY FINANCIAL, LLC | 6 | Under 10 loans | Under 10 loans | 70.8% |
| AMERICAN HERITAGE LENDING, LLC | 6 | Under 10 loans | Under 10 loans | 9.1% |
| ROYAL UNITED MORTGAGE LLC | 6 | Under 10 loans | Under 10 loans | 58.8% |
| GoodLeap, LLC | 6 | Under 10 loans | Under 10 loans | 36.4% |
| ENDEAVOR CAPITAL, LLC. | 6 | Under 10 loans | Under 10 loans | 0.0% |
| Union Savings Bank | 6 | Under 10 loans | Under 10 loans | 14.3% |
| TLC COMMUNITY Credit Union | 6 | Under 10 loans | Under 10 loans | 25.0% |
| PRIMELENDING, A PLAINSCAPITAL COMPANY | 6 | Under 10 loans | Under 10 loans | 0.0% |
| MMS MORTGAGE SERVICES, LTD. | 6 | Under 10 loans | Under 10 loans | 0.0% |
| VANDERBILT MORTGAGE AND FINANCE, INC. | 5 | Under 10 loans | Under 10 loans | 70.6% |
| 254900M2C4Q6DATP2889 | 5 | Under 10 loans | Under 10 loans | 16.7% |
| The Federal Savings Bank | 5 | Under 10 loans | Under 10 loans | 28.6% |
| LIBERTY HOME MORTGAGE CORPORATION | 5 | Under 10 loans | Under 10 loans | 37.5% |
| A&D Mortgage LLC | 5 | Under 10 loans | Under 10 loans | 0.0% |
| FIRST COMMUNITY MORTGAGE, INC. | 5 | Under 10 loans | Under 10 loans | 12.5% |
| Home Mortgage Alliance Corporation (HMAC) | 5 | Under 10 loans | Under 10 loans | 0.0% |
| PLANET HOME LENDING, LLC | 5 | Under 10 loans | Under 10 loans | 16.7% |
| GOLD STAR MORTGAGE FINANCIAL GROUP, CORPORATION | 5 | Under 10 loans | Under 10 loans | 0.0% |
| MOVEMENT MORTGAGE, LLC | 5 | Under 10 loans | Under 10 loans | 14.3% |
| LAKE MICHIGAN CREDIT UNION | 5 | Under 10 loans | Under 10 loans | 0.0% |
| Citadel Servicing Corporation | 5 | Under 10 loans | Under 10 loans | 0.0% |
| GENEVA FINANCIAL, LLC | 5 | Under 10 loans | Under 10 loans | 0.0% |
| WRIGHT-PATT CREDIT UNION, INC. | 5 | Under 10 loans | Under 10 loans | 16.7% |
| Filo Mortgage, L.L.C. | 4 | Under 10 loans | Under 10 loans | 0.0% |
| BETTER MORTGAGE CORPORATION | 4 | Under 10 loans | Under 10 loans | 72.2% |
| AMWEST FUNDING CORP. | 4 | Under 10 loans | Under 10 loans | 28.6% |
| Kemba Financial Credit Union Inc | 4 | Under 10 loans | Under 10 loans | 55.6% |
| First Financial Bank | 4 | Under 10 loans | Under 10 loans | 55.6% |
| LENOX FINANCIAL MORTGAGE CORPORATION, Sage Home Loans Corporation | 4 | Under 10 loans | Under 10 loans | 0.0% |
| Barrington Bank & Trust Company, National Association | 4 | Under 10 loans | Under 10 loans | 33.3% |
| AMERIHOME MORTGAGE COMPANY, LLC | 4 | Under 10 loans | Under 10 loans | 20.0% |
| HIGHLANDS RESIDENTIAL MORTGAGE, LTD. | 4 | Under 10 loans | Under 10 loans | 0.0% |
| ICE LENDER HOLDINGS LLC | 4 | Under 10 loans | Under 10 loans | 20.0% |
| CREDIT UNION ONE | 4 | Under 10 loans | Under 10 loans | 20.0% |
| NEXERA HOLDING LLC | 4 | Under 10 loans | Under 10 loans | 0.0% |
| TOWNE MORTGAGE COMPANY | 4 | Under 10 loans | Under 10 loans | 0.0% |
| Magnolia Bank, Incorporated | 4 | Under 10 loans | Under 10 loans | 20.0% |
| United Trust Bank | 4 | Under 10 loans | Under 10 loans | 33.3% |
| Synergy One Lending, Inc. | 4 | Under 10 loans | Under 10 loans | 0.0% |
| MICHIGAN STATE UNIVERSITY Federal Credit Union | 4 | Under 10 loans | Under 10 loans | 20.0% |
| Old National Bank | 4 | Under 10 loans | Under 10 loans | 0.0% |
| MONROE COMMUNITY CREDIT UNION | 4 | Under 10 loans | Under 10 loans | 20.0% |
| RELIANCE FIRST CAPITAL, LLC | 4 | Under 10 loans | Under 10 loans | 0.0% |
| First Commonwealth Bank | 4 | Under 10 loans | Under 10 loans | 0.0% |
| 254900J2RKTTDJSUWD76 | 4 | Under 10 loans | Under 10 loans | 0.0% |
| MISSION LOANS, LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Tomo Mortgage, LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| First National Bank of Pennsylvania | 3 | Under 10 loans | Under 10 loans | 57.1% |
| NBKC BANK | 3 | Under 10 loans | Under 10 loans | 40.0% |
| Valon Mortgage, Inc. | 3 | Under 10 loans | Under 10 loans | 25.0% |
| TOP FLITE FINANCIAL, INC. | 3 | Under 10 loans | Under 10 loans | 25.0% |
| MICHIGAN FIRST CREDIT UNION | 3 | Under 10 loans | Under 10 loans | 40.0% |
| PLAZA HOME MORTGAGE, INC. | 3 | Under 10 loans | Under 10 loans | 40.0% |
| First Western Trust Bank | 3 | Under 10 loans | Under 10 loans | 0.0% |
| MORTGAGE SOLUTIONS OF COLORADO, LLC | 3 | Under 10 loans | Under 10 loans | 25.0% |
| Cornerstone First Mortgage, Inc | 3 | Under 10 loans | Under 10 loans | 0.0% |
| UIF CORPORATION | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Ally Bank | 3 | Under 10 loans | Under 10 loans | 0.0% |
| The First National Bank of Pandora | 3 | Under 10 loans | Under 10 loans | 0.0% |
| CANOPY MORTGAGE, LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| LENDINGONE, LLC | 2 | Under 10 loans | Under 10 loans | 87.5% |
| MILEND, INC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| POLARIS HOME FUNDING CORP. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| ALLIANT CREDIT UNION | 2 | Under 10 loans | Under 10 loans | 71.4% |
| CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP | 2 | Under 10 loans | Under 10 loans | 33.3% |
| Texana Bank, National Association | 2 | Under 10 loans | Under 10 loans | 0.0% |
| SUN WEST MORTGAGE COMPANY, INC. | 2 | Under 10 loans | Under 10 loans | 40.0% |
| Truist Bank | 2 | Under 10 loans | Under 10 loans | 33.3% |
| Manufacturers and Traders Trust Company | 2 | Under 10 loans | Under 10 loans | 50.0% |
| OCEANSIDE MORTGAGE COMPANY | 2 | Under 10 loans | Under 10 loans | 33.3% |
| HOMEXPRESS MORTGAGE CORP. | 2 | Under 10 loans | Under 10 loans | 50.0% |
| PURDUE | 2 | Under 10 loans | Under 10 loans | 0.0% |
| General Mortgage Capital Corporation | 2 | Under 10 loans | Under 10 loans | 0.0% |
| RESICENTRAL, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| 5493004T38NMC864VL66 | 2 | Under 10 loans | Under 10 loans | 33.3% |
| THE OLD FORT BANKING COMPANY | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Wings Financial Credit Union | 2 | Under 10 loans | Under 10 loans | 33.3% |
| THE MORTGAGE LINK, INC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| AMERICAN PACIFIC MORTGAGE CORPORATION | 2 | Under 10 loans | Under 10 loans | 0.0% |
| RAPID MORTGAGE COMPANY | 2 | Under 10 loans | Under 10 loans | 0.0% |
| NexBank | 2 | Under 10 loans | Under 10 loans | 33.3% |
| BAYSHORE MORTGAGE FUNDING, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| SCHUMACHER MORTGAGE LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Ixonia Bank | 2 | Under 10 loans | Under 10 loans | 33.3% |
| Northpointe Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Three Rivers Federal Credit Union | 2 | Under 10 loans | Under 10 loans | 33.3% |
| SayGO Home Loans, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Associated Bank, National Association | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Southern Michigan Bank & Trust | 2 | Under 10 loans | Under 10 loans | 0.0% |
| First Federal Bank of Ohio | 2 | Under 10 loans | Under 10 loans | 0.0% |
| ABL RPC Residential Credit Acquisition LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| AG CREDIT AGRICULTURAL CREDIT ASSOCIATION | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Nations Lending Corporation | 2 | Under 10 loans | Under 10 loans | 0.0% |
| ROUNDPOINT MORTGAGE SERVICING LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| German American Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| The Dart Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| A & N MORTGAGE SERVICES, INC. | 2 | 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 170 lenders each made 2 or fewer mortgages here, and are counted in the totals above.
Bank branches in Lucas County
93 FDIC-insured branches from 17 banks, as of 30 June 2026, with the deposits held at them.
| Bank | Branches here | Deposits |
|---|---|---|
| The Huntington National Bank | 16 | $2.4 billion |
| Fifth Third Bank, National Association | 15 | $2.2 billion |
| KeyBank National Association | 15 | $1.8 billion |
| PNC Bank, National Association | 7 | $780.7 million |
| Citizens Bank, National Association | 7 | $663.2 million |
| WesBanco Bank, Inc. | 4 | $342.6 million |
| The Genoa Banking Company | 4 | $241.1 million |
| The Farmers & Merchants State Bank | 4 | $192.6 million |
| JPMorgan Chase Bank, National Association | 4 | $185.6 million |
| First Federal Savings and Loan Association | 4 | $121.1 million |
| Woodforest National Bank | 4 | $15.9 million |
| The Croghan Colonial Bank | 3 | $90.4 million |
| Bank419 | 2 | $41.4 million |
| Waterford Bank, N.A. | 1 | $1.2 billion |
| Signature Bank, National Association | 1 | $1.1 billion |
| The State Bank and Trust Company | 1 | $43.5 million |
| The Citizens National Bank of Bluffton | 1 | $11.2 million |
Closed since the 2025 survey
1 branch in the 2025 survey has no 2026 row: closed, sold, or moved.
- Citizens Bank, National Association, 1460 S Byrne Rd, Toledo
Get told when this changes
When the next year’s lending figures are out for Lucas 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.