Home purchase lenders in Lucas County
4,473 home purchase mortgages were made in Lucas County, Ohio, in 2025, by 286 lenders. The median rate their borrowers got was 6.750% on a median loan of $165,000. Of 5,136 decisions, 514 were denials — 10.0%, most often for debt-to-income ratio.
| Lender | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| UNION HOME MORTGAGE CORP. | 363 | 6.875% | $165,000 | 2.4% |
| The Huntington National Bank | 347 | 6.625% | $165,000 | 10.0% |
| UNITED SHORE FINANCIAL SERVICES, LLC | 321 | 6.999% | $125,000 | 7.9% |
| Rocket Mortgage, LLC | 219 | 6.625% | $165,000 | 11.3% |
| EQUITY RESOURCES, INC. | 174 | 6.750% | $165,000 | 5.9% |
| Directions Credit Union, Inc. | 170 | 6.375% | $205,000 | 2.3% |
| CROSSCOUNTRY MORTGAGE, INC. | 163 | 6.825% | $185,000 | 1.2% |
| Click n' Close, Inc. | 145 | 6.750% | $215,000 | 3.3% |
| KeyBank National Association | 141 | 6.375% | $165,000 | 3.4% |
| Fifth Third Bank, National Association | 139 | 6.750% | $145,000 | 16.0% |
| CMG MORTGAGE, INC. | 123 | 6.750% | $225,000 | 2.3% |
| NEWREZ LLC | 114 | 6.750% | $205,000 | 1.7% |
| The Genoa Banking Company | 103 | Not published | $195,000 | 3.3% |
| NFM, INC. | 97 | 6.750% | $165,000 | 2.0% |
| Mortgage Research Center, LLC | 82 | 6.500% | $225,000 | 10.9% |
| Citizens Bank, National Association | 80 | 6.500% | $145,000 | 18.2% |
| BPL MORTGAGE TRUST, LLC | 79 | 7.750% | $75,000 | 8.3% |
| Loandepot.Com, LLC | 66 | 6.875% | $140,000 | 15.4% |
| Kiavi Funding, Inc. | 66 | 9.950% | $115,000 | 5.6% |
| Civista Bank | 62 | 6.625% | $345,000 | 0.0% |
| GVC MORTGAGE, INC. | 61 | 7.000% | $185,000 | 0.0% |
| SUN Federal Credit Union | 59 | 6.250% | $135,000 | 6.4% |
| WesBanco Bank, Inc. | 52 | 6.500% | $185,000 | 14.5% |
| JPMorgan Chase Bank, National Association | 49 | 6.625% | $165,000 | 5.8% |
| GUARANTEED RATE, INC. | 48 | 6.750% | $180,000 | 7.7% |
| HOWARD HANNA FINANCIAL SERVICES, INC. | 45 | 6.750% | $175,000 | 2.2% |
| ARK-LA-TEX FINANCIAL SERVICES, LLC. | 41 | 6.750% | $175,000 | 0.0% |
| RUOFF MORTGAGE COMPANY, INC. | 40 | 6.875% | $185,000 | 2.2% |
| VAN DYK MORTGAGE CORPORATION | 34 | 6.750% | $150,000 | 2.9% |
| SUPERIOR CREDIT UNION, INC. | 33 | 7.000% | $195,000 | 2.9% |
| Navy Federal Credit Union | 30 | 6.250% | $205,000 | 16.2% |
| Loan Funder LLC | 29 | 10.500% | $115,000 | 21.6% |
| THE LOAN STORE, INC. | 28 | 6.688% | $195,000 | 3.3% |
| Waterford Bank, N.A. | 28 | Not published | $230,000 | 0.0% |
| EVERETT FINANCIAL, INC. | 27 | 7.125% | $155,000 | 2.6% |
| Broker Solutions, Inc. | 27 | 7.000% | $135,000 | 3.6% |
| MORTGAGE 1 INCORPORATED | 25 | 6.875% | $135,000 | 0.0% |
| TRIAD FINANCIAL SERVICES, INC. | 23 | 8.490% | $55,000 | 50.4% |
| U.S. Bank National Association | 23 | 7.000% | $155,000 | 11.1% |
| The State Bank and Trust Company | 22 | 6.500% | $235,000 | 21.9% |
| PNC Bank, National Association | 21 | 6.625% | $165,000 | 15.4% |
| The Croghan Colonial Bank | 20 | Not published | $210,000 | 9.1% |
| K. HOVNANIAN AMERICAN MORTGAGE, L.L.C. | 19 | 6.000% | $355,000 | 0.0% |
| AMERICAN FINANCIAL NETWORK, INC. | 19 | 6.625% | $165,000 | 0.0% |
| The Farmers & Merchants State Bank | 18 | 6.938% | $185,000 | 10.0% |
| Signature Bank, National Association | 18 | Not published | $415,000 | 0.0% |
| FIRST OHIO HOME FINANCE, INC. | 16 | 7.063% | $75,000 | 5.9% |
| PENNYMAC LOAN SERVICES, LLC | 16 | 6.625% | $240,000 | 11.1% |
| LOWER, LLC | 16 | 6.875% | $220,000 | 11.1% |
| First Federal Savings and Loan Association of Lakewood | 16 | 6.750% | $145,000 | 5.9% |
| 21st Mortgage Corporation | 15 | 9.140% | $65,000 | 68.8% |
| KIND LENDING, LLC | 15 | 7.750% | $95,000 | 43.3% |
| MICHIGAN MUTUAL, INC. | 15 | 7.250% | $135,000 | 19.2% |
| Buckeye State Bank | 15 | 6.750% | $175,000 | 0.0% |
| PHH Mortgage Corporation | 13 | 6.625% | $285,000 | 13.3% |
| GLASS CITY Federal Credit Union | 12 | 6.938% | $175,000 | 25.0% |
| ZILLOW HOME LOANS, LLC | 11 | 6.875% | $135,000 | 21.4% |
| Wells Fargo Bank, National Association | 10 | 6.313% | $185,000 | 9.1% |
| USAA Federal Savings Bank | 9 | Under 10 loans | Under 10 loans | 30.8% |
| Fairway Independent Mortgage Corporation | 9 | Under 10 loans | Under 10 loans | 10.0% |
| 254900CTT87ZKAUTIJ37 | 8 | Under 10 loans | Under 10 loans | 20.0% |
| FIRSTTRUST HOME LOANS, INC. | 8 | Under 10 loans | Under 10 loans | 0.0% |
| Flagstar Bank, N.A. | 8 | Under 10 loans | Under 10 loans | 27.3% |
| First Federal Savings and Loan Association of Delta | 8 | Under 10 loans | Under 10 loans | 0.0% |
| FREEDOM MORTGAGE CORPORATION | 8 | Under 10 loans | Under 10 loans | 11.1% |
| CHURCHILL MORTGAGE CORPORATION | 8 | Under 10 loans | Under 10 loans | 11.1% |
| GUIDANCE RESIDENTIAL, LLC | 8 | Under 10 loans | Under 10 loans | 0.0% |
| MORTGAGE CENTER L.C | 6 | Under 10 loans | Under 10 loans | 14.3% |
| Bank of America, National Association | 6 | Under 10 loans | Under 10 loans | 14.3% |
| DEEPHAVEN MORTGAGE LLC | 6 | Under 10 loans | Under 10 loans | 14.3% |
| GO MORTGAGE, LLC | 6 | Under 10 loans | Under 10 loans | 0.0% |
| Paramount Residential Mortgage Group, Inc. | 5 | Under 10 loans | Under 10 loans | 0.0% |
| Equity Prime Mortgage LLC | 5 | Under 10 loans | Under 10 loans | 0.0% |
| LIBERTY HOME MORTGAGE CORPORATION | 5 | Under 10 loans | Under 10 loans | 37.5% |
| MOVEMENT MORTGAGE, LLC | 5 | Under 10 loans | Under 10 loans | 14.3% |
| OCMBC, INC. | 5 | Under 10 loans | Under 10 loans | 16.7% |
| Home Mortgage Alliance Corporation (HMAC) | 5 | Under 10 loans | Under 10 loans | 0.0% |
| AMERICAN FINANCIAL RESOURCES, INC. | 5 | Under 10 loans | Under 10 loans | 0.0% |
| First Merchants Bank | 5 | Under 10 loans | Under 10 loans | 0.0% |
| MMS MORTGAGE SERVICES, LTD. | 5 | Under 10 loans | Under 10 loans | 0.0% |
| VANDERBILT MORTGAGE AND FINANCE, INC. | 4 | Under 10 loans | Under 10 loans | 75.0% |
| Third Federal Savings and Loan Association of Cleveland | 4 | Under 10 loans | Under 10 loans | 42.9% |
| AMERICAN HERITAGE LENDING, LLC | 4 | Under 10 loans | Under 10 loans | 20.0% |
| A&D Mortgage LLC | 4 | Under 10 loans | Under 10 loans | 0.0% |
| GOLD STAR MORTGAGE FINANCIAL GROUP, CORPORATION | 4 | Under 10 loans | Under 10 loans | 0.0% |
| FIRST COMMUNITY MORTGAGE, INC. | 4 | Under 10 loans | Under 10 loans | 14.3% |
| Union Savings Bank | 4 | Under 10 loans | Under 10 loans | 20.0% |
| TOWNE MORTGAGE COMPANY | 4 | Under 10 loans | Under 10 loans | 0.0% |
| Synergy One Lending, Inc. | 4 | Under 10 loans | Under 10 loans | 0.0% |
| LIMA ONE CAPITAL, LLC | 4 | Under 10 loans | Under 10 loans | 20.0% |
| PRIMELENDING, A PLAINSCAPITAL COMPANY | 4 | Under 10 loans | Under 10 loans | 0.0% |
| NATIONSTAR MORTGAGE 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% |
| AMERICAN FINANCING CORPORATION | 4 | Under 10 loans | Under 10 loans | 0.0% |
| TLC COMMUNITY Credit Union | 4 | Under 10 loans | Under 10 loans | 0.0% |
| Tomo Mortgage, LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Hometown Equity Mortgage, LLC | 3 | Under 10 loans | Under 10 loans | 57.1% |
| VELOCITY COMMERCIAL CAPITAL, LLC | 3 | Under 10 loans | Under 10 loans | 25.0% |
| Barrington Bank & Trust Company, National Association | 3 | Under 10 loans | Under 10 loans | 40.0% |
| HIGHLANDS RESIDENTIAL MORTGAGE, LTD. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| MUTUAL OF OMAHA MORTGAGE, INC. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| First National Bank of Pennsylvania | 3 | Under 10 loans | Under 10 loans | 50.0% |
| SOFI BANK, NATIONAL ASSOCIATION | 3 | Under 10 loans | Under 10 loans | 25.0% |
| NEXERA HOLDING LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| AMWEST FUNDING CORP. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| LAKE MICHIGAN CREDIT UNION | 3 | Under 10 loans | Under 10 loans | 0.0% |
| PLAZA HOME MORTGAGE, INC. | 3 | Under 10 loans | Under 10 loans | 25.0% |
| LENOX FINANCIAL MORTGAGE CORPORATION, Sage Home Loans Corporation | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Cornerstone First Mortgage, Inc | 3 | Under 10 loans | Under 10 loans | 0.0% |
| The Union Bank Company | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Citadel Servicing Corporation | 3 | Under 10 loans | Under 10 loans | 0.0% |
| RF RENOVO MANAGEMENT COMPANY, LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| MICHIGAN STATE UNIVERSITY Federal Credit Union | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Ally Bank | 3 | Under 10 loans | Under 10 loans | 0.0% |
| The Citizens National Bank of Bluffton | 3 | Under 10 loans | Under 10 loans | 0.0% |
| The First National Bank of Pandora | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Filo Mortgage, L.L.C. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| First Financial Bank | 2 | Under 10 loans | Under 10 loans | 71.4% |
| Texana Bank, National Association | 2 | Under 10 loans | Under 10 loans | 0.0% |
| PLANET HOME LENDING, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| NBKC BANK | 2 | Under 10 loans | Under 10 loans | 0.0% |
| General Mortgage Capital Corporation | 2 | Under 10 loans | Under 10 loans | 0.0% |
| THE OLD FORT BANKING COMPANY | 2 | Under 10 loans | Under 10 loans | 0.0% |
| MICHIGAN FIRST 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% |
| FREMONT Federal Credit Union | 2 | Under 10 loans | Under 10 loans | 0.0% |
| 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% |
| CHAMPIONS FUNDING, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Associated Bank, National Association | 2 | Under 10 loans | Under 10 loans | 0.0% |
| AG CREDIT AGRICULTURAL CREDIT ASSOCIATION | 2 | Under 10 loans | Under 10 loans | 0.0% |
| GENEVA FINANCIAL, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| German American Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| A & N MORTGAGE SERVICES, INC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Old National Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| UIF CORPORATION | 2 | Under 10 loans | Under 10 loans | 0.0% |
| WESCOM CENTRAL CREDIT UNION | 2 | Under 10 loans | Under 10 loans | 0.0% |
| THE EQUITABLE MORTGAGE CORPORATION | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Morgan Stanley Private Bank, National Association | 2 | Under 10 loans | Under 10 loans | 0.0% |
| T2 FINANCIAL LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Valley Central Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| WRIGHT-PATT CREDIT UNION, INC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| 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% |
| NATIONS DIRECT MORTGAGE, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| COMPASS MORTGAGE, INC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| CANOPY MORTGAGE, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| LENDINGONE, LLC | 1 | Under 10 loans | Under 10 loans | 88.9% |
| BETTER MORTGAGE CORPORATION | 1 | Under 10 loans | Under 10 loans | 87.5% |
| HomePromise Corporation | 1 | Under 10 loans | Under 10 loans | 50.0% |
| CONSUMER REAL ESTATE FINANCE CO. | 1 | Under 10 loans | Under 10 loans | 66.7% |
| PENTAGON FEDERAL CREDIT UNION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| First Western Federal Savings Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Valon Mortgage, Inc. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Magnolia Bank, Incorporated | 1 | Under 10 loans | Under 10 loans | 50.0% |
| PURDUE | 1 | Under 10 loans | Under 10 loans | 0.0% |
| First Federal Bank | 1 | Under 10 loans | Under 10 loans | 50.0% |
| MortgageCountry, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| ROYAL PACIFIC FUNDING CORP. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Commerce Home Mortgage, Inc. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| GUILD MORTGAGE COMPANY | 1 | Under 10 loans | Under 10 loans | 0.0% |
| PREMIER MORTGAGE RESOURCES, L.L.C. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| AMERICAN NEIGHBORHOOD MORTGAGE ACCEPTANCE COMPANY LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Wings Financial Credit Union | 1 | Under 10 loans | Under 10 loans | 50.0% |
| STAUNTON FINANCIAL, INC. | 1 | Under 10 loans | Under 10 loans | 50.0% |
| MORTGAGE SOLUTIONS OF COLORADO, LLC | 1 | Under 10 loans | Under 10 loans | 50.0% |
| Orchard Mortgage, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| ALLIANT CREDIT UNION | 1 | Under 10 loans | Under 10 loans | 50.0% |
| Ixonia Bank | 1 | Under 10 loans | Under 10 loans | 50.0% |
| CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Truist Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Manufacturers and Traders Trust Company | 1 | Under 10 loans | Under 10 loans | 50.0% |
| Southern Michigan Bank & Trust | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Axos Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Nations Lending Corporation | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Ardent Federal Credit Union | 1 | Under 10 loans | Under 10 loans | 0.0% |
| BMO Bank National Association | 1 | Under 10 loans | Under 10 loans | 0.0% |
| HOMEBRIDGE FINANCIAL SERVICES, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| VISTA POINT MORTGAGE, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| PROVIDENT FUNDING ASSOCIATES, L.P. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Seven Seventeen Credit Union | 1 | Under 10 loans | Under 10 loans | 0.0% |
| ROSS MORTGAGE CORPORATION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| The Dart Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| ALTRA Federal Credit Union | 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% |
| AMERICAN INTERNET MORTGAGE, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| The Federal Savings Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| DOMINION FINANCIAL SERVICES, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| UNION CAPITAL MORTGAGE CORPORATION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| BOND STREET MORTGAGE, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Five Star Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| DIRECT MORTGAGE LOANS, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| ADVANCIAL CREDIT UNION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Charles Schwab Bank, SSB | 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% |
| Plains Commerce Bank | 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 86 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.