Ohio · HMDA 2025
Mortgage lenders in Richland County, OH
245 lenders reported 4,868 home-loan applications in Richland County in 2025. 2,689 closed as loans ($433.7M), 781 were denied — a 21.4% denial rate on decided applications, close to the Ohio rate of 21.7%. The three most active lenders handled 24% of applications, led by MECHANICS BANK. 13 lenders in the list are banks or credit unions with a TellerScore profile.
- Applications
- 4,868
- Loans originated
- 2,689
- Purchase / refinance
- 1,357 / 747
- 30-yr rate (national)
- 7.40%week of Oct 15, 2026
Lenders ranked by applications in Richland County
| # | Lender | Applications here | Share | Nationwide denial rate |
|---|---|---|---|---|
| 1 | MECHANICS BANK 61 out of 100, Moderate | 458 | 9.4% | 3.7% |
| 2 | The Park National Bank 72 out of 100, Strong | 373 | 7.7% | 19.0% |
| 3 | The Huntington National Bank 59 out of 100, Moderate | 352 | 7.2% | 31.6% |
| 4 | Rocket Mortgage, LLC | 282 | 5.8% | — |
| 5 | CROSSCOUNTRY MORTGAGE, INC. | 219 | 4.5% | — |
| 6 | Fairway Independent Mortgage Corporation | 188 | 3.9% | — |
| 7 | Directions Credit Union, Inc. 68 out of 100, Moderate | 162 | 3.3% | 20.9% |
| 8 | JPMorgan Chase Bank, National Association 61 out of 100, Moderate | 152 | 3.1% | 14.1% |
| 9 | UNION HOME MORTGAGE CORP. | 143 | 2.9% | — |
| 10 | Mortgage Research Center, LLC | 120 | 2.5% | — |
| 11 | Loandepot.Com, LLC | 112 | 2.3% | — |
| 12 | UNITED SHORE FINANCIAL SERVICES, LLC | 112 | 2.3% | — |
| 13 | U.S. Bank National Association 55 out of 100, Moderate | 111 | 2.3% | 39.5% |
| 14 | PENNYMAC LOAN SERVICES, LLC | 109 | 2.2% | — |
| 15 | FREEDOM MORTGAGE CORPORATION | 68 | 1.4% | — |
| 16 | 21st Mortgage Corporation | 67 | 1.4% | — |
| 17 | FIGURE LENDING LLC | 66 | 1.4% | — |
| 18 | Coastal Community Bank 35 out of 100, Low | 64 | 1.3% | 3.0% |
| 19 | AmeriSave Mortgage Corporation | 63 | 1.3% | — |
| 20 | NEWREZ LLC | 60 | 1.2% | — |
| 21 | Navy Federal Credit Union 66 out of 100, Moderate | 54 | 1.1% | 32.9% |
| 22 | NEW DAY FINANCIAL, LLC | 51 | 1.0% | — |
| 23 | Broker Solutions, Inc. | 50 | 1.0% | — |
| 24 | Kiavi Funding, Inc. | 48 | 1.0% | — |
| 25 | NATIONSTAR MORTGAGE LLC | 46 | 0.9% | — |
| 26 | PNC Bank, National Association 62 out of 100, Moderate | 42 | 0.9% | 33.8% |
| 27 | PLANET HOME LENDING, LLC | 41 | 0.8% | — |
| 28 | Discover Bank | 38 | 0.8% | — |
| 29 | SPRING EQ, LLC | 38 | 0.8% | — |
| 30 | Civista Bank 75 out of 100, Strong | 35 | 0.7% | 12.5% |
| 31 | LOWER, LLC | 35 | 0.7% | — |
| 32 | AMERIHOME MORTGAGE COMPANY, LLC | 31 | 0.6% | — |
| 33 | MUTUAL OF OMAHA MORTGAGE, INC. | 31 | 0.6% | — |
| 34 | Citizens Bank, National Association 54 out of 100, Below average | 30 | 0.6% | 32.5% |
| 35 | First Federal Bank of Ohio | 30 | 0.6% | — |
| 36 | LAKEVIEW LOAN SERVICING, LLC | 30 | 0.6% | — |
| 37 | KeyBank National Association 63 out of 100, Moderate | 28 | 0.6% | 32.8% |
| 38 | Third Federal Savings and Loan Association of Cleveland 64 out of 100, Moderate | 26 | 0.5% | 35.5% |
| 39 | SOFI BANK, NATIONAL ASSOCIATION | 24 | 0.5% | — |
| 40 | VILLAGE CAPITAL & INVESTMENT LLC | 23 | 0.5% | — |
Top 40 of 245 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