Mortgage lending in Defiance County, Ohio
Lenders in Defiance County, Ohio reported 1,261 mortgage applications for 2025, according to the CFPB.
1,261 mortgage applications and 778 loans originated in 2025; the denial rate was 21.5% of 1,043 applications decided. The median loan was about $125,000. From 2025, the CFPB’s Snapshot release.
HUD’s Fair Market Rent for the county, on the housing hub: Defiance County, OH.
- 1,261
- Applications
- 778
- Loans originated
- 21.5%
- Denial rate
- 224 denied of 1,043 applications decided.
Every year
1 more column on a wider screen
| Year | Applications | Originated |
|---|---|---|
| 2025 | 1,261 | 778 |
| 2024 | 1,136 | 690 |
| 2023 | 1,135 | 698 |
| 2022 | 1,349 | 858 |
| 2021 | 1,791 | 1,243 |
| 2020 | 1,634 | 1,124 |
| 2019 | 1,333 | 898 |
| 2018 | 1,278 | 871 |
The largest lenders here
| Lender | Originated | Applications |
|---|---|---|
| Huntington National Bank | 121 | 184 |
| The State Bank & Trust Company | 105 | 127 |
| Wesbanco Bank, Inc. | 83 | 117 |
| The Farmers & Merchants State Bank | 73 | 97 |
| Rocket Mortgage | 50 | 69 |
| Crosscountry Mortgage, LLC | 39 | 61 |
| Superior Credit Union, Inc. | 23 | 31 |
| Fifth Third Bank, National Association | 20 | 48 |
| The Sherwood State Bank | 16 | 21 |
| The Citizens National Bank | 13 | 18 |
| The Hicksville Bank | 12 | 13 |
| United Wholesale Mortgage | 12 | 19 |
| Mortgage Research Center | 9 | 24 |
| loanDepot.com LLC | 8 | 20 |
| Freedom Mortgage Corporation | 8 | 15 |
| Pennymac Loan Services LLC | 8 | 10 |
| GVC Mortgage, Inc. | 7 | 8 |
| Ruoff Mortgage Company | 7 | 9 |
| Union Home Mortgage Corp. | 7 | 9 |
| Three Rivers Federal Crediit U | 7 | 11 |
| Sofi Bank, National Association | 5 | 6 |
| Equity Resources Inc | 5 | 8 |
| First Financial Bank | 5 | 11 |
| Navy Federal Credit Union | 4 | 10 |
| American Financial Network, Inc. | 4 | 4 |
Applications by race, ethnicity and sex, 2025
| Category | Applications | Denial rate |
|---|---|---|
| American Indian or Alaska Native | under 10 | |
| Asian | withheld | |
| Black or African American | 12 | no rate: base under 50 |
| White | 1,034 | 20.5% of 872 decided |
| Joint | 18 | no rate: base under 50 |
| Race Not Available | 177 | 26.1% of 134 decided |
| Category | Applications | Denial rate |
|---|---|---|
| Hispanic or Latino | 85 | 35.2% of 71 decided |
| Not Hispanic or Latino | 983 | 19.5% of 824 decided |
| Joint | 21 | no rate: base under 50 |
| Ethnicity Not Available | 172 | 27.5% of 131 decided |
| Category | Applications | Denial rate |
|---|---|---|
| Male | 497 | 24.7% of 405 decided |
| Female | 263 | 24.6% of 224 decided |
| Joint | 399 | 15.9% of 340 decided |
| Sex Not Available | 102 | 20.3% of 74 decided |
A category under 10 applications prints “under 10”, and beside a lone one the next-smallest is withheld too, so neither can be worked out from the whole. No rate is printed on fewer than 50 decisions. A denial rate does not control for credit history, income, debt or the property, so a difference between groups is not a measure of discrimination.
Rankings this appears in
- No. 2437 Counties by median mortgage
Sources
- HMDA public loan/application register (LAR) — each year's fullest national release — Consumer Financial Protection Bureau · CFPB website policy: public domain · retrieved October 22, 2026
- Census Bureau population estimates — nation and states, with components of change — U.S. Census Bureau · U.S. Government work · retrieved September 25, 2026
- HMDA transmittal sheet — every reporting lender, by year, with its name — Consumer Financial Protection Bureau · CFPB website policy: public domain · retrieved October 22, 2026
- HMDA reporter panel — every reporting lender, by year, with its RSSD, parent and top holder
- Census Bureau county population estimates — U.S. Census Bureau · U.S. Government work · retrieved September 23, 2026
Compiled automatically from HMDA public loan/application register (LAR) — each year's fullest national release, Census Bureau population estimates — nation and states, with components of change, HMDA transmittal sheet — every reporting lender, by year, with its name, HMDA reporter panel — every reporting lender, by year, with its RSSD, parent and top holder and Census Bureau county population estimates by a checked SQL query · Editor: Kian O'Connor · How this site is built
Data retrieved