Refinancing lenders in Delaware County
1,554 refinancing mortgages were made in Delaware County, Ohio, in 2025, by 189 lenders. The median rate their borrowers got was 6.387% on a median loan of $305,000. Of 1,982 decisions, 356 were denials — 18.0%, most often for debt-to-income ratio.
| Lender | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| UNITED SHORE FINANCIAL SERVICES, LLC | 180 | 5.999% | $465,000 | 9.2% |
| Fifth Third Bank, National Association | 131 | 7.500% | $155,000 | 18.3% |
| Third Federal Savings and Loan Association of Cleveland | 121 | 6.990% | $185,000 | 23.5% |
| The Huntington National Bank | 108 | 7.840% | $205,000 | 39.5% |
| Kemba Financial Credit Union Inc | 96 | 7.000% | $165,000 | 21.3% |
| Rocket Mortgage, LLC | 77 | 5.875% | $415,000 | 12.1% |
| First Commonwealth Bank | 66 | 5.990% | $155,000 | 23.4% |
| PNC Bank, National Association | 57 | 7.610% | $155,000 | 28.9% |
| JPMorgan Chase Bank, National Association | 54 | 5.990% | $335,000 | 3.5% |
| Union Savings Bank | 48 | 6.250% | $360,000 | 7.7% |
| FREEDOM MORTGAGE CORPORATION | 41 | 6.250% | $435,000 | 2.1% |
| UNION HOME MORTGAGE CORP. | 37 | 6.125% | $425,000 | 0.0% |
| EQUITY RESOURCES, INC. | 31 | 6.375% | $395,000 | 6.1% |
| WRIGHT-PATT CREDIT UNION, INC. | 27 | 5.750% | $355,000 | 26.8% |
| NFM, INC. | 27 | 6.125% | $405,000 | 0.0% |
| PENNYMAC LOAN SERVICES, LLC | 18 | 5.990% | $370,000 | 4.8% |
| NEWREZ LLC | 17 | 5.750% | $425,000 | 19.1% |
| THE EQUITABLE MORTGAGE CORPORATION | 16 | 6.125% | $430,000 | 5.9% |
| First Financial Bank | 15 | 6.250% | $745,000 | 15.0% |
| The State Bank and Trust Company | 13 | 7.250% | $155,000 | 21.1% |
| Citizens Bank, National Association | 12 | 7.650% | $205,000 | 18.8% |
| BRIDGE CREDIT UNION, INC. | 12 | 6.250% | $115,000 | 7.7% |
| WesBanco Bank, Inc. | 12 | 6.433% | $495,000 | 0.0% |
| GUARANTEED RATE, INC. | 11 | 5.750% | $415,000 | 0.0% |
| Pathways Financial Credit Union, Inc. | 11 | 5.500% | $575,000 | 31.3% |
| BMI Federal Credit Union | 11 | 6.625% | $375,000 | 0.0% |
| LOWER, LLC | 10 | 5.875% | $470,000 | 0.0% |
| Loandepot.Com, LLC | 10 | 5.745% | $510,000 | 0.0% |
| The Union Bank Company | 9 | Under 10 loans | Under 10 loans | 18.2% |
| MUTUAL OF OMAHA MORTGAGE, INC. | 9 | Under 10 loans | Under 10 loans | 0.0% |
| German American Bank | 8 | Under 10 loans | Under 10 loans | 0.0% |
| LAKEVIEW LOAN SERVICING, LLC | 7 | Under 10 loans | Under 10 loans | 25.0% |
| CROSSCOUNTRY MORTGAGE, INC. | 7 | Under 10 loans | Under 10 loans | 0.0% |
| Bank of America, National Association | 7 | Under 10 loans | Under 10 loans | 36.4% |
| The Park National Bank | 7 | Under 10 loans | Under 10 loans | 36.4% |
| U.S. Bank National Association | 7 | Under 10 loans | Under 10 loans | 20.0% |
| PROVIDENT FUNDING ASSOCIATES, L.P. | 7 | Under 10 loans | Under 10 loans | 11.1% |
| Fairway Independent Mortgage Corporation | 6 | Under 10 loans | Under 10 loans | 14.3% |
| The Middlefield Banking Company | 6 | Under 10 loans | Under 10 loans | 33.3% |
| VILLAGE CAPITAL & INVESTMENT LLC | 6 | Under 10 loans | Under 10 loans | 11.1% |
| Paramount Residential Mortgage Group, Inc. | 6 | Under 10 loans | Under 10 loans | 0.0% |
| First Federal Community Bank of Bucyrus | 6 | Under 10 loans | Under 10 loans | 0.0% |
| Fidelity Federal Savings and Loan Association Of Delaware | 6 | Under 10 loans | Under 10 loans | 0.0% |
| CNB Bank | 5 | Under 10 loans | Under 10 loans | 0.0% |
| Kiavi Funding, Inc. | 5 | Under 10 loans | Under 10 loans | 0.0% |
| First Merchants Bank | 4 | Under 10 loans | Under 10 loans | 16.7% |
| Civista Bank | 4 | Under 10 loans | Under 10 loans | 28.6% |
| TELHIO | 4 | Under 10 loans | Under 10 loans | 0.0% |
| Lendage, LLC | 4 | Under 10 loans | Under 10 loans | 0.0% |
| General Mortgage Capital Corporation | 4 | Under 10 loans | Under 10 loans | 0.0% |
| FIRST OHIO HOME FINANCE, INC. | 4 | Under 10 loans | Under 10 loans | 0.0% |
| NATIONSTAR MORTGAGE LLC | 4 | Under 10 loans | Under 10 loans | 0.0% |
| LENOX FINANCIAL MORTGAGE CORPORATION, Sage Home Loans Corporation | 3 | Under 10 loans | Under 10 loans | 0.0% |
| AMERIHOME MORTGAGE COMPANY, LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| ALLIANT CREDIT UNION | 3 | Under 10 loans | Under 10 loans | 40.0% |
| S&T Bank | 3 | Under 10 loans | Under 10 loans | 40.0% |
| The First Citizens National Bank of Upper Sandusky | 3 | Under 10 loans | Under 10 loans | 0.0% |
| RUOFF MORTGAGE COMPANY, INC. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| SCHUMACHER MORTGAGE LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Mortgage Research Center, LLC | 2 | Under 10 loans | Under 10 loans | 77.8% |
| Broker Solutions, Inc. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Discover Bank | 2 | Under 10 loans | Under 10 loans | 50.0% |
| Navy Federal Credit Union | 2 | Under 10 loans | Under 10 loans | 33.3% |
| SPRING EQ, LLC | 2 | Under 10 loans | Under 10 loans | 71.4% |
| NBKC BANK | 2 | Under 10 loans | Under 10 loans | 33.3% |
| The Richwood Banking Company | 2 | Under 10 loans | Under 10 loans | 0.0% |
| RAPID MORTGAGE COMPANY | 2 | Under 10 loans | Under 10 loans | 0.0% |
| BETTER MORTGAGE CORPORATION | 2 | Under 10 loans | Under 10 loans | 0.0% |
| KeyBank National Association | 2 | Under 10 loans | Under 10 loans | 33.3% |
| First Federal Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| SUPERIOR CREDIT UNION, INC. | 2 | Under 10 loans | Under 10 loans | 33.3% |
| SOFI BANK, NATIONAL ASSOCIATION | 2 | Under 10 loans | Under 10 loans | 0.0% |
| ENDEAVOR CAPITAL, LLC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| FIRST COMMUNITY MORTGAGE, INC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| TEMPLE VIEW CAPITAL FUNDING, LP | 2 | Under 10 loans | Under 10 loans | 0.0% |
| FINANCE OF AMERICA REVERSE LLC | 2 | Under 10 loans | Under 10 loans | 33.3% |
| DAS Acquisition Company, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| 984500FAD1FB7FEGTE82 | 2 | Under 10 loans | Under 10 loans | 0.0% |
| THE LOAN STORE, INC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Strong Home Mortgage, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| PLANET HOME LENDING, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| GEORGIA'S OWN | 2 | Under 10 loans | Under 10 loans | 0.0% |
| POLARIS HOME FUNDING CORP. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Farm Credit Mid-America | 2 | Under 10 loans | Under 10 loans | 0.0% |
| EMM LOANS LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| T2 FINANCIAL LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Plains Commerce Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| BoxCar Mortgage, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Buckeye State Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| EDUCATION FIRST CREDIT UNION, INC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| PHH Mortgage Corporation | 1 | Under 10 loans | Under 10 loans | 0.0% |
| MILEND, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| GUARANTEED RATE AFFINITY, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Arvest Bank | 1 | Under 10 loans | Under 10 loans | 50.0% |
| EMBRACE HOME LOANS, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| PENTAGON FEDERAL CREDIT UNION | 1 | Under 10 loans | Under 10 loans | 66.7% |
| TOGETHER CREDIT UNION | 1 | Under 10 loans | Under 10 loans | 66.7% |
| CHAMPIONS FUNDING, LLC | 1 | Under 10 loans | Under 10 loans | 50.0% |
| 254900M2C4Q6DATP2889 | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Filo Mortgage, L.L.C. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| SOUTH RIVER MORTGAGE, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Liberty | 1 | Under 10 loans | Under 10 loans | 0.0% |
| GUILD MORTGAGE COMPANY | 1 | Under 10 loans | Under 10 loans | 0.0% |
| CMG MORTGAGE, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| HOPEWELL Federal Credit Union | 1 | Under 10 loans | Under 10 loans | 50.0% |
| Equity Prime Mortgage LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| ANGEL OAK MORTGAGE SOLUTIONS LLC | 1 | Under 10 loans | Under 10 loans | 50.0% |
| LONGBRIDGE FINANCIAL, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| LoanUnited.com, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Northpointe Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Wells Fargo Bank, National Association | 1 | Under 10 loans | Under 10 loans | 0.0% |
| GO MORTGAGE, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| A&D Mortgage LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| RF RENOVO MANAGEMENT COMPANY, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| The Merchants National Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| PEOPLES BANK | 1 | Under 10 loans | Under 10 loans | 0.0% |
| AML FUNDING LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Nations Lending Corporation | 1 | Under 10 loans | Under 10 loans | 0.0% |
| PRIMELENDING, A PLAINSCAPITAL COMPANY | 1 | Under 10 loans | Under 10 loans | 0.0% |
| First Service Federal Credit Union | 1 | Under 10 loans | Under 10 loans | 0.0% |
| HOMEBRIDGE FINANCIAL SERVICES, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Mortgage Right | 1 | Under 10 loans | Under 10 loans | 0.0% |
| AMERICAN FINANCIAL RESOURCES, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| The Savings Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| CME Federal Credit Union | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Commerce Home Mortgage, Inc. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| First National Bank Texas | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Toyota Financial Savings Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Pinnacle Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| MOVEMENT MORTGAGE, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| NEXERA HOLDING LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| THOMPSON KANE & COMPANY, INC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Charles Schwab Bank, SSB | 1 | Under 10 loans | Under 10 loans | 0.0% |
| LUMENT REAL ESTATE CAPITAL, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| EAST COAST CAPITAL CORP. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| KIND LENDING, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| BELLWETHER ENTERPRISE REAL ESTATE CAPITAL, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| SUN WEST MORTGAGE COMPANY, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| NEW DAY FINANCIAL, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| DEEPHAVEN MORTGAGE LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| The Farmers National Bank of Canfield | 1 | Under 10 loans | Under 10 loans | 0.0% |
| City National Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Riverside Bank of Dublin | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Barrington Bank & Trust Company, National Association | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Ameris Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Northwest Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Flagstar Bank, N.A. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Raymond James Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| AmeriSave Mortgage Corporation | 0 | Under 10 loans | Under 10 loans | 100.0% |
| DIGITAL | 0 | Under 10 loans | Under 10 loans | 100.0% |
| THE HOME LOAN SAVINGS BANK | 0 | Under 10 loans | Under 10 loans | Not published |
| First Federal Savings and Loan Association | 0 | Under 10 loans | Under 10 loans | 100.0% |
| AMERICAN FINANCING CORPORATION | 0 | Under 10 loans | Under 10 loans | Not published |
| AMERICAN PACIFIC MORTGAGE CORPORATION | 0 | Under 10 loans | Under 10 loans | 100.0% |
| HONDA Federal Credit Union | 0 | Under 10 loans | Under 10 loans | 100.0% |
| First National Bank of Pennsylvania | 0 | Under 10 loans | Under 10 loans | 100.0% |
| Independent Bank | 0 | Under 10 loans | Under 10 loans | Not published |
| CAPITAL CENTER, L.L.C. | 0 | Under 10 loans | Under 10 loans | 100.0% |
| Connexus Credit Union | 0 | Under 10 loans | Under 10 loans | 100.0% |
| MEADOWBROOK FINANCIAL MORTGAGE BANKERS CORP. | 0 | Under 10 loans | Under 10 loans | Not published |
| AAA CAPITAL INVESTMENT, INC. | 0 | Under 10 loans | Under 10 loans | 0.0% |
| GENEVA FINANCIAL, LLC | 0 | Under 10 loans | Under 10 loans | Not published |
| GOLD STAR MORTGAGE FINANCIAL GROUP, CORPORATION | 0 | Under 10 loans | Under 10 loans | Not published |
| 1ST ADVANTAGE FEDERAL CREDIT UNION | 0 | Under 10 loans | Under 10 loans | Not published |
| AMERITRUST MORTGAGE CORPORATION | 0 | Under 10 loans | Under 10 loans | Not published |
| AMERICAN INTERNET MORTGAGE, INC. | 0 | Under 10 loans | Under 10 loans | 100.0% |
| CREDIT UNION MORTGAGE ASSOCIATION, INC. | 0 | Under 10 loans | Under 10 loans | Not published |
| VICTORY MORTGAGE, L.L.C. | 0 | Under 10 loans | Under 10 loans | Not published |
| TRADITIONAL MORTGAGE ACCEPTANCE CORPORATION | 0 | Under 10 loans | Under 10 loans | 100.0% |
| BAY EQUITY LLC | 0 | Under 10 loans | Under 10 loans | Not published |
| Genisys Credit Union | 0 | Under 10 loans | Under 10 loans | 100.0% |
| HOMEXPRESS MORTGAGE CORP. | 0 | Under 10 loans | Under 10 loans | 100.0% |
| TOWNE MORTGAGE COMPANY | 0 | Under 10 loans | Under 10 loans | 0.0% |
| CARRINGTON MORTGAGE SERVICES, LLC | 0 | Under 10 loans | Under 10 loans | 0.0% |
| Magnolia Bank, Incorporated | 0 | Under 10 loans | Under 10 loans | Not published |
| ROYAL UNITED MORTGAGE LLC | 0 | Under 10 loans | Under 10 loans | Not published |
| Merchants Bank of Indiana | 0 | Under 10 loans | Under 10 loans | Not published |
| FOUNDATION MORTGAGE CORPORATION | 0 | Under 10 loans | Under 10 loans | 0.0% |
| CF Bank, National Association | 0 | Under 10 loans | Under 10 loans | Not published |
| Beeline Loans, Inc. | 0 | Under 10 loans | Under 10 loans | Not published |
| USAA Federal Savings Bank | 0 | Under 10 loans | Under 10 loans | Not published |
| State Department Federal Credit Union | 0 | Under 10 loans | Under 10 loans | Not published |
| ARC HOME LLC | 0 | Under 10 loans | Under 10 loans | Not published |
| REDWOOD RESIDENTIAL ACQUISITION CORPORATION | 0 | Under 10 loans | Under 10 loans | Not published |
| CALCON MUTUAL MORTGAGE LLC | 0 | Under 10 loans | Under 10 loans | Not published |
| Citibank, National Association | 0 | Under 10 loans | Under 10 loans | Not published |
| Peoples Bank | 0 | Under 10 loans | Under 10 loans | Not published |
| Truist Bank | 0 | Under 10 loans | Under 10 loans | Not published |
Ranked by mortgages made here in 2025. "Denied" is the share of this lender’s decisions here that were denials.
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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.