Ohio · HMDA 2025
Mortgage lenders in Ottawa County, OH
188 lenders reported 1,843 home-loan applications in Ottawa County in 2025. 1,095 closed as loans ($243.7M), 269 were denied — a 19.0% denial rate on decided applications, below the Ohio rate of 21.7%. The three most active lenders handled 28% of applications, led by The Huntington National Bank. 18 lenders in the list are banks or credit unions with a TellerScore profile.
- Applications
- 1,843
- Loans originated
- 1,095
- Purchase / refinance
- 516 / 322
- 30-yr rate (national)
- 7.40%week of Oct 15, 2026
Lenders ranked by applications in Ottawa County
| # | Lender | Applications here | Share | Nationwide denial rate |
|---|---|---|---|---|
| 1 | The Huntington National Bank 59 out of 100, Moderate | 293 | 15.9% | 31.6% |
| 2 | Rocket Mortgage, LLC | 111 | 6.0% | — |
| 3 | The Genoa Banking Company | 104 | 5.6% | — |
| 4 | Fifth Third Bank, National Association 62 out of 100, Moderate | 60 | 3.3% | 34.0% |
| 5 | U.S. Bank National Association 55 out of 100, Moderate | 51 | 2.8% | 39.5% |
| 6 | Civista Bank 75 out of 100, Strong | 50 | 2.7% | 12.5% |
| 7 | Loandepot.Com, LLC | 47 | 2.6% | — |
| 8 | PENNYMAC LOAN SERVICES, LLC | 47 | 2.6% | — |
| 9 | The Croghan Colonial Bank 73 out of 100, Strong | 43 | 2.3% | 10.3% |
| 10 | WesBanco Bank, Inc. 66 out of 100, Moderate | 43 | 2.3% | 20.1% |
| 11 | FREMONT Federal Credit Union 74 out of 100, Strong | 38 | 2.1% | 4.1% |
| 12 | UNION HOME MORTGAGE CORP. | 38 | 2.1% | — |
| 13 | NEWREZ LLC | 37 | 2.0% | — |
| 14 | UNITED SHORE FINANCIAL SERVICES, LLC | 35 | 1.9% | — |
| 15 | KeyBank National Association 63 out of 100, Moderate | 33 | 1.8% | 32.8% |
| 16 | CROSSCOUNTRY MORTGAGE, INC. | 32 | 1.7% | — |
| 17 | SUN Federal Credit Union 63 out of 100, Moderate | 29 | 1.6% | 21.3% |
| 18 | Citizens Bank, National Association 54 out of 100, Below average | 27 | 1.5% | 32.5% |
| 19 | PNC Bank, National Association 62 out of 100, Moderate | 27 | 1.5% | 33.8% |
| 20 | Mortgage Research Center, LLC | 27 | 1.5% | — |
| 21 | JPMorgan Chase Bank, National Association 61 out of 100, Moderate | 26 | 1.4% | 14.1% |
| 22 | FIGURE LENDING LLC | 22 | 1.2% | — |
| 23 | Third Federal Savings and Loan Association of Cleveland 64 out of 100, Moderate | 20 | 1.1% | 35.5% |
| 24 | FREEDOM MORTGAGE CORPORATION | 20 | 1.1% | — |
| 25 | AmeriSave Mortgage Corporation | 19 | 1.0% | — |
| 26 | Navy Federal Credit Union 66 out of 100, Moderate | 18 | 1.0% | 32.9% |
| 27 | Coastal Community Bank 35 out of 100, Low | 18 | 1.0% | 3.0% |
| 28 | HOWARD HANNA FINANCIAL SERVICES, INC. | 16 | 0.9% | — |
| 29 | First Federal Savings of Lorain | 14 | 0.8% | — |
| 30 | The State Bank and Trust Company 70 out of 100, Strong | 14 | 0.8% | 9.9% |
| 31 | SPRING EQ, LLC | 13 | 0.7% | — |
| 32 | AMERIHOME MORTGAGE COMPANY, LLC | 13 | 0.7% | — |
| 33 | Directions Credit Union, Inc. 68 out of 100, Moderate | 13 | 0.7% | 20.9% |
| 34 | VANDERBILT MORTGAGE AND FINANCE, INC. | 12 | 0.7% | — |
| 35 | Click n' Close, Inc. | 12 | 0.7% | — |
| 36 | Broker Solutions, Inc. | 11 | 0.6% | — |
| 37 | EQUITY RESOURCES, INC. | 11 | 0.6% | — |
| 38 | CARRINGTON MORTGAGE SERVICES, LLC | 11 | 0.6% | — |
| 39 | NATIONSTAR MORTGAGE LLC | 10 | 0.5% | — |
| 40 | First National Bank of Pennsylvania 64 out of 100, Moderate | 10 | 0.5% | 26.6% |
Top 40 of 188 lenders shown. Denial rates are each lender's nationwide figure for 2025, available for banks and credit unions we profile.
Other counties in Ohio
- Franklin County 55,668 apps
- Cuyahoga County 54,642 apps
- Hamilton County 35,621 apps
- Summit County 24,436 apps
- Montgomery County 24,256 apps
- Butler County 17,927 apps
- Lorain County 16,482 apps
- Stark County 16,469 apps
- Lucas County 16,378 apps
- Warren County 13,469 apps
- Delaware County 13,326 apps
- Clermont County 11,684 apps