Mortgage lenders in Richland County
2,688 mortgages were made in Richland County, Ohio, in 2025, by 248 lenders. The median rate their borrowers got was 6.875% on a median loan of $135,000. Of 3,655 decisions, 781 were denials — 21.4%, most often for credit history.
| Lender | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| MECHANICS BANK | 365 | 6.380% | $155,000 | 4.0% |
| The Park National Bank | 267 | 7.260% | $85,000 | 19.7% |
| The Huntington National Bank | 203 | 7.750% | $95,000 | 28.6% |
| Rocket Mortgage, LLC | 191 | 6.875% | $135,000 | 24.6% |
| CROSSCOUNTRY MORTGAGE, INC. | 151 | 6.750% | $165,000 | 4.3% |
| Fairway Independent Mortgage Corporation | 148 | 6.995% | $175,000 | 4.5% |
| Directions Credit Union, Inc. | 113 | 7.000% | $55,000 | 27.1% |
| UNION HOME MORTGAGE CORP. | 101 | 6.875% | $155,000 | 6.7% |
| Loandepot.Com, LLC | 77 | 6.990% | $135,000 | 16.1% |
| UNITED SHORE FINANCIAL SERVICES, LLC | 71 | 6.125% | $205,000 | 10.6% |
| Mortgage Research Center, LLC | 59 | 6.250% | $225,000 | 23.4% |
| JPMorgan Chase Bank, National Association | 39 | 6.875% | $95,000 | 20.8% |
| FREEDOM MORTGAGE CORPORATION | 34 | 6.250% | $190,000 | 4.8% |
| Navy Federal Credit Union | 26 | 6.938% | $170,000 | 29.0% |
| Kiavi Funding, Inc. | 25 | 10.490% | $145,000 | 6.9% |
| NATIONSTAR MORTGAGE LLC | 25 | 6.990% | $125,000 | 18.8% |
| Coastal Community Bank | 24 | 9.865% | $50,000 | 1.9% |
| U.S. Bank National Association | 23 | 8.350% | $125,000 | 48.9% |
| PNC Bank, National Association | 23 | 7.240% | $75,000 | 36.1% |
| Civista Bank | 22 | 7.500% | $90,000 | 24.2% |
| LOWER, LLC | 22 | 6.563% | $210,000 | 12.0% |
| First Federal Bank of Ohio | 22 | Not published | $105,000 | 16.7% |
| 21st Mortgage Corporation | 21 | 9.270% | $75,000 | 60.4% |
| AmeriSave Mortgage Corporation | 21 | 7.990% | $65,000 | 62.5% |
| PENNYMAC LOAN SERVICES, LLC | 21 | 6.250% | $145,000 | 29.0% |
| MUTUAL OF OMAHA MORTGAGE, INC. | 18 | 6.750% | $175,000 | 24.0% |
| BPL MORTGAGE TRUST, LLC | 16 | 7.813% | $75,000 | 10.5% |
| NFM, INC. | 16 | 6.938% | $205,000 | 0.0% |
| FIRST OHIO HOME FINANCE, INC. | 16 | 6.750% | $180,000 | 0.0% |
| NEWREZ LLC | 15 | 6.875% | $155,000 | 28.6% |
| Third Federal Savings and Loan Association of Cleveland | 15 | 6.990% | $85,000 | 27.3% |
| First Federal Community Bank of Bucyrus | 14 | Not published | $205,000 | 0.0% |
| NEW DAY FINANCIAL, LLC | 13 | 6.750% | $195,000 | 44.0% |
| Farm Credit Mid-America | 13 | 6.875% | $295,000 | 18.8% |
| Broker Solutions, Inc. | 12 | 6.750% | $160,000 | 20.0% |
| FIGURE LENDING LLC | 12 | 8.588% | $35,000 | 32.3% |
| KeyBank National Association | 12 | 6.750% | $120,000 | 47.8% |
| Citizens Bank, National Association | 12 | 8.275% | $70,000 | 33.3% |
| SPRING EQ, LLC | 9 | Under 10 loans | Under 10 loans | 67.7% |
| SOFI BANK, NATIONAL ASSOCIATION | 9 | Under 10 loans | Under 10 loans | 18.2% |
| GoodLeap, LLC | 9 | Under 10 loans | Under 10 loans | 26.7% |
| Discover Bank | 8 | Under 10 loans | Under 10 loans | 69.2% |
| LAKEVIEW LOAN SERVICING, LLC | 8 | Under 10 loans | Under 10 loans | 45.0% |
| Kemba Financial Credit Union Inc | 8 | Under 10 loans | Under 10 loans | 42.9% |
| Click n' Close, Inc. | 8 | Under 10 loans | Under 10 loans | 18.2% |
| GUARANTEED RATE, INC. | 8 | Under 10 loans | Under 10 loans | 20.0% |
| LIMA ONE CAPITAL, LLC | 8 | Under 10 loans | Under 10 loans | 11.1% |
| T2 FINANCIAL LLC | 7 | Under 10 loans | Under 10 loans | 11.1% |
| USAA Federal Savings Bank | 7 | Under 10 loans | Under 10 loans | 12.5% |
| RF RENOVO MANAGEMENT COMPANY, LLC | 7 | Under 10 loans | Under 10 loans | 0.0% |
| First Commonwealth Bank | 7 | Under 10 loans | Under 10 loans | 12.5% |
| Fifth Third Bank, National Association | 6 | Under 10 loans | Under 10 loans | 53.3% |
| Loan Funder LLC | 6 | Under 10 loans | Under 10 loans | 25.0% |
| 254900CTT87ZKAUTIJ37 | 6 | Under 10 loans | Under 10 loans | 40.0% |
| Wells Fargo Bank, National Association | 6 | Under 10 loans | Under 10 loans | 0.0% |
| CNB Bank | 6 | Under 10 loans | Under 10 loans | 0.0% |
| RELIANCE FIRST CAPITAL, LLC | 6 | Under 10 loans | Under 10 loans | 0.0% |
| ROYAL UNITED MORTGAGE LLC | 5 | Under 10 loans | Under 10 loans | 45.5% |
| ALLIED MORTGAGE GROUP, INC. | 5 | Under 10 loans | Under 10 loans | 37.5% |
| Lendage, LLC | 5 | Under 10 loans | Under 10 loans | 16.7% |
| SCHUMACHER MORTGAGE LLC | 5 | Under 10 loans | Under 10 loans | 0.0% |
| The Middlefield Banking Company | 5 | Under 10 loans | Under 10 loans | 0.0% |
| CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP | 5 | Under 10 loans | Under 10 loans | 0.0% |
| AMERICAN FINANCING CORPORATION | 4 | Under 10 loans | Under 10 loans | 54.6% |
| VILLAGE CAPITAL & INVESTMENT LLC | 4 | Under 10 loans | Under 10 loans | 10.0% |
| BAYSHORE MORTGAGE FUNDING, LLC | 4 | Under 10 loans | Under 10 loans | 0.0% |
| 254900M2C4Q6DATP2889 | 4 | Under 10 loans | Under 10 loans | 42.9% |
| First Financial Bank | 4 | Under 10 loans | Under 10 loans | 0.0% |
| RAPID MORTGAGE COMPANY | 4 | Under 10 loans | Under 10 loans | 20.0% |
| THE EQUITABLE MORTGAGE CORPORATION | 4 | Under 10 loans | Under 10 loans | 0.0% |
| GUARANTEED RATE AFFINITY, LLC | 4 | Under 10 loans | Under 10 loans | 0.0% |
| WRIGHT-PATT CREDIT UNION, INC. | 4 | Under 10 loans | Under 10 loans | 20.0% |
| HOMEBRIDGE FINANCIAL SERVICES, INC. | 4 | Under 10 loans | Under 10 loans | 0.0% |
| ATOMIC CREDIT UNION, INC. | 4 | Under 10 loans | Under 10 loans | 0.0% |
| Union Savings Bank | 4 | Under 10 loans | Under 10 loans | 0.0% |
| Sutton Bank | 4 | Under 10 loans | Under 10 loans | 0.0% |
| Ixonia Bank | 4 | Under 10 loans | Under 10 loans | 0.0% |
| Equity Prime Mortgage LLC | 3 | Under 10 loans | Under 10 loans | 25.0% |
| BETTER MORTGAGE CORPORATION | 3 | Under 10 loans | Under 10 loans | 66.7% |
| LENDINGONE, LLC | 3 | Under 10 loans | Under 10 loans | 25.0% |
| LONGBRIDGE FINANCIAL, LLC | 3 | Under 10 loans | Under 10 loans | 20.0% |
| MORTGAGE SOLUTIONS OF COLORADO, LLC | 3 | Under 10 loans | Under 10 loans | 25.0% |
| WesBanco Bank, Inc. | 3 | Under 10 loans | Under 10 loans | 40.0% |
| Valon Mortgage, Inc. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Barrington Bank & Trust Company, National Association | 3 | Under 10 loans | Under 10 loans | 25.0% |
| PHH Mortgage Corporation | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Flagstar Bank, N.A. | 3 | Under 10 loans | Under 10 loans | 25.0% |
| Gateway First Bank | 3 | Under 10 loans | Under 10 loans | 25.0% |
| ENDEAVOR CAPITAL, LLC. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| AMERIHOME MORTGAGE COMPANY, LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Nations Lending Corporation | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Paramount Residential Mortgage Group, Inc. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| YOUR HOME FINANCIAL LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| CHURCHILL MORTGAGE CORPORATION | 3 | Under 10 loans | Under 10 loans | 0.0% |
| AMERICAN PACIFIC MORTGAGE CORPORATION | 3 | Under 10 loans | Under 10 loans | 0.0% |
| BMI Federal Credit Union | 3 | Under 10 loans | Under 10 loans | 0.0% |
| C E S | 3 | Under 10 loans | Under 10 loans | 0.0% |
| SUN WEST MORTGAGE COMPANY, INC. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| VANDERBILT MORTGAGE AND FINANCE, INC. | 2 | Under 10 loans | Under 10 loans | 66.7% |
| Bank of America, National Association | 2 | Under 10 loans | Under 10 loans | 81.8% |
| CARRINGTON MORTGAGE SERVICES, LLC | 2 | Under 10 loans | Under 10 loans | 70.0% |
| HOMEXPRESS MORTGAGE CORP. | 2 | Under 10 loans | Under 10 loans | 75.0% |
| Hometown Equity Mortgage, LLC | 2 | Under 10 loans | Under 10 loans | 60.0% |
| PRIMELENDING, A PLAINSCAPITAL COMPANY | 2 | Under 10 loans | Under 10 loans | 33.3% |
| HOWARD HANNA FINANCIAL SERVICES, INC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| AMERICAN FINANCIAL NETWORK, INC. | 2 | Under 10 loans | Under 10 loans | 50.0% |
| EQUITY RESOURCES, INC. | 2 | Under 10 loans | Under 10 loans | 50.0% |
| Synergy One Lending, Inc. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| THE LOAN STORE, INC. | 2 | Under 10 loans | Under 10 loans | 33.3% |
| PLANET HOME LENDING, LLC | 2 | Under 10 loans | Under 10 loans | 33.3% |
| AMERICAN FINANCIAL RESOURCES, INC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| TOP FLITE FINANCIAL, INC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| ZILLOW HOME LOANS, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| DOMINION FINANCIAL SERVICES, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| RUOFF MORTGAGE COMPANY, INC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| OCMBC, INC. | 2 | Under 10 loans | Under 10 loans | 33.3% |
| BRIDGE CREDIT UNION, INC. | 2 | Under 10 loans | Under 10 loans | 33.3% |
| FIRST COMMUNITY MORTGAGE, INC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| BoxCar Mortgage, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| TELHIO | 2 | Under 10 loans | Under 10 loans | 33.3% |
| The State Bank and Trust Company | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Cornerstone First Mortgage, Inc | 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% |
| Seven Seventeen Credit Union | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Community Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Bethpage Federal Credit Union | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Alcova Mortgage LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| GREENSTATE Credit Union | 2 | Under 10 loans | Under 10 loans | 0.0% |
| DAS Acquisition Company, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| United Trust Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| LoanUnited.com, LLC | 1 | Under 10 loans | Under 10 loans | 50.0% |
| Tomo Mortgage, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| CREDIT HUMAN FEDERAL CREDIT UNION | 1 | Under 10 loans | Under 10 loans | 80.0% |
| LIBERTY HOME MORTGAGE CORPORATION | 1 | Under 10 loans | Under 10 loans | 66.7% |
| MILEND, INC. | 1 | Under 10 loans | Under 10 loans | 50.0% |
| PLAZA HOME MORTGAGE, INC. | 1 | Under 10 loans | Under 10 loans | 33.3% |
| KIND LENDING, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| NATIONS DIRECT MORTGAGE, LLC | 1 | Under 10 loans | Under 10 loans | 50.0% |
| ALLIANT CREDIT UNION | 1 | Under 10 loans | Under 10 loans | 50.0% |
| Main Street Bank Corp | 1 | Under 10 loans | Under 10 loans | 66.7% |
| DEEPHAVEN MORTGAGE LLC | 1 | Under 10 loans | Under 10 loans | 66.7% |
| Empeople Credit Union | 1 | Under 10 loans | Under 10 loans | 50.0% |
| The Union Bank Company | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Towpath Credit Union, Inc. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| KEMBA CREDIT UNION, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| The Farmers National Bank of Canfield | 1 | Under 10 loans | Under 10 loans | 0.0% |
| CF Bank, National Association | 1 | Under 10 loans | Under 10 loans | 50.0% |
| Peoples Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| First Merchants Bank | 1 | Under 10 loans | Under 10 loans | 50.0% |
| Manufacturers and Traders Trust Company | 1 | Under 10 loans | Under 10 loans | 0.0% |
| GO MORTGAGE, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| SUPERIOR CREDIT UNION, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| AG CREDIT AGRICULTURAL CREDIT ASSOCIATION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| THE HOME LOAN SAVINGS BANK | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Day Air Credit Union, Inc. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| AML FUNDING LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Cazle Mortgage, Inc. | 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% |
| Pathways Financial Credit Union, Inc. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Peoples Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| POLARIS HOME FUNDING CORP. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| MYCUMORTGAGE, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| MEMBER FIRST MORTGAGE, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| SUPERIOR FINANCIAL SOLUTIONS, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| NORTHERN MORTGAGE SERVICES, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| First Federal Savings and Loan Association of Lakewood | 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% |
| EMM LOANS LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| AMERICAN NEIGHBORHOOD MORTGAGE ACCEPTANCE COMPANY LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| CLEARPATH LENDING | 1 | Under 10 loans | Under 10 loans | 0.0% |
| The Citizens National Bank of Bluffton | 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% |
| Fidelity Bank, National Association | 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% |
| TRADITIONAL MORTGAGE ACCEPTANCE CORPORATION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Magnolia Bank, Incorporated | 1 | Under 10 loans | Under 10 loans | 0.0% |
| The Central Trust Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Merchants Bank of Indiana | 1 | Under 10 loans | Under 10 loans | 0.0% |
| CANOPY MORTGAGE, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Zippy Loans, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| CHAMPIONS FUNDING, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Truist Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| S&T Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| First National Bank of Pennsylvania | 1 | Under 10 loans | Under 10 loans | 0.0% |
| TRIAD FINANCIAL SERVICES, INC. | 0 | Under 10 loans | Under 10 loans | 62.5% |
| The Federal Savings Bank | 0 | Under 10 loans | Under 10 loans | 100.0% |
| Park Lane Finance Solutions, LLC | 0 | Under 10 loans | Under 10 loans | 80.0% |
| ICE LENDER HOLDINGS LLC | 0 | Under 10 loans | Under 10 loans | 100.0% |
| TAMMAC HOLDINGS CORPORATION | 0 | Under 10 loans | Under 10 loans | 75.0% |
| VELOCITY COMMERCIAL CAPITAL, LLC | 0 | Under 10 loans | Under 10 loans | Not published |
| VERITAS FUNDING, LLC | 0 | Under 10 loans | Under 10 loans | Not published |
| AMERICAN HERITAGE LENDING, LLC | 0 | Under 10 loans | Under 10 loans | 66.7% |
| HomePromise Corporation | 0 | Under 10 loans | Under 10 loans | 100.0% |
| GENEVA FINANCIAL, LLC | 0 | Under 10 loans | Under 10 loans | Not published |
| GUILD MORTGAGE COMPANY | 0 | Under 10 loans | Under 10 loans | Not published |
| PENTAGON FEDERAL CREDIT UNION | 0 | Under 10 loans | Under 10 loans | 100.0% |
| CMG MORTGAGE, INC. | 0 | Under 10 loans | Under 10 loans | 100.0% |
Ranked by mortgages made here in 2025. "Denied" is the share of this lender’s decisions here that were denials. Another 48 lenders each made 0 or fewer mortgages here, and are counted in the totals above.
Bank branches in Richland County
36 FDIC-insured branches from 11 banks, as of 30 June 2026, with the deposits held at them.
| Bank | Branches here | Deposits |
|---|---|---|
| Mechanics Bank | 9 | $786.0 million |
| The Park National Bank | 9 | $669.5 million |
| The Huntington National Bank | 3 | $312.2 million |
| JPMorgan Chase Bank, National Association | 3 | $257.5 million |
| First Federal Bank of Ohio | 3 | $77.5 million |
| KeyBank National Association | 2 | $142.9 million |
| Civista Bank | 2 | $104.1 million |
| Sutton Bank | 2 | $71.2 million |
| U.S. Bank National Association | 1 | $60.4 million |
| CNB Bank | 1 | $27.8 million |
| Woodforest National Bank | 1 | $3.7 million |
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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.