Mortgage lenders in Fairfield County
4,728 mortgages were made in Fairfield County, Ohio, in 2025, by 318 lenders. The median rate their borrowers got was 6.750% on a median loan of $225,000. Of 6,334 decisions, 1,351 were denials — 21.3%, most often for debt-to-income ratio.
| Lender | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| The Huntington National Bank | 309 | 7.740% | $135,000 | 28.5% |
| Rocket Mortgage, LLC | 294 | 6.750% | $195,000 | 16.1% |
| The Park National Bank | 207 | 7.250% | $115,000 | 23.1% |
| UNITED SHORE FINANCIAL SERVICES, LLC | 193 | 6.240% | $315,000 | 18.3% |
| UNION HOME MORTGAGE CORP. | 187 | 6.875% | $245,000 | 5.0% |
| Fifth Third Bank, National Association | 176 | 7.750% | $105,000 | 30.3% |
| Kemba Financial Credit Union Inc | 150 | 7.250% | $85,000 | 35.2% |
| DHI MORTGAGE COMPANY, LTD. | 148 | 4.500% | $425,000 | 22.5% |
| THE VINTON COUNTY NATIONAL BANK | 148 | 7.250% | $205,000 | 12.2% |
| NFM, INC. | 138 | 6.750% | $285,000 | 1.4% |
| Union Savings Bank | 122 | 7.000% | $195,000 | 6.8% |
| CROSSCOUNTRY MORTGAGE, INC. | 109 | 6.750% | $275,000 | 5.0% |
| PNC Bank, National Association | 105 | 7.500% | $105,000 | 26.0% |
| LOWER, LLC | 96 | 6.624% | $255,000 | 7.7% |
| JPMorgan Chase Bank, National Association | 87 | 6.375% | $235,000 | 7.1% |
| PENNYMAC LOAN SERVICES, LLC | 79 | 6.250% | $235,000 | 17.3% |
| Fairfield Federal Savings and Loan Association of Lancaster | 78 | Not published | $175,000 | 8.8% |
| Third Federal Savings and Loan Association of Cleveland | 71 | 6.990% | $135,000 | 33.6% |
| NVR Mortgage Finance, Inc. | 71 | 5.990% | $345,000 | 21.1% |
| WRIGHT-PATT CREDIT UNION, INC. | 64 | 7.500% | $115,000 | 36.4% |
| FREEDOM MORTGAGE CORPORATION | 56 | 6.250% | $315,000 | 21.2% |
| Fairway Independent Mortgage Corporation | 55 | 6.875% | $325,000 | 1.8% |
| WesBanco Bank, Inc. | 54 | 3.990% | $175,000 | 24.3% |
| EQUITY RESOURCES, INC. | 53 | 6.750% | $255,000 | 10.2% |
| J. VIRGIL, INC. | 47 | 6.625% | $245,000 | 4.1% |
| NATIONSTAR MORTGAGE LLC | 46 | 9.313% | $75,000 | 9.3% |
| RAPID MORTGAGE COMPANY | 45 | 6.750% | $255,000 | 0.0% |
| U.S. Bank National Association | 44 | 8.600% | $100,000 | 52.6% |
| GUARANTEED RATE, INC. | 43 | 6.250% | $355,000 | 12.2% |
| Peoples Bank | 41 | 7.240% | $115,000 | 24.1% |
| NEWREZ LLC | 40 | 6.625% | $255,000 | 31.0% |
| Mortgage Research Center, LLC | 39 | 6.250% | $335,000 | 24.5% |
| T2 FINANCIAL LLC | 37 | 6.625% | $355,000 | 0.0% |
| VICTORY MORTGAGE, L.L.C. | 37 | 5.750% | $505,000 | 7.5% |
| RUOFF MORTGAGE COMPANY, INC. | 34 | 6.688% | $270,000 | 4.4% |
| Coastal Community Bank | 32 | 9.990% | $55,000 | 3.1% |
| TELHIO | 30 | 7.750% | $130,000 | 29.2% |
| Loandepot.Com, LLC | 27 | 7.500% | $165,000 | 39.6% |
| RF RENOVO MANAGEMENT COMPANY, LLC | 26 | 7.875% | $210,000 | 3.7% |
| M/I FINANCIAL, LLC | 24 | 6.000% | $440,000 | 6.9% |
| Broker Solutions, Inc. | 23 | 6.990% | $215,000 | 11.5% |
| AmeriSave Mortgage Corporation | 23 | 8.250% | $85,000 | 54.9% |
| MUTUAL OF OMAHA MORTGAGE, INC. | 21 | 6.500% | $315,000 | 15.4% |
| THE LOAN STORE, INC. | 21 | 6.950% | $195,000 | 4.4% |
| Navy Federal Credit Union | 20 | 8.250% | $145,000 | 35.3% |
| FIGURE LENDING LLC | 20 | 8.675% | $85,000 | 31.7% |
| First Financial Bank | 20 | 6.250% | $295,000 | 28.6% |
| The Savings Bank | 20 | Not published | $190,000 | 4.8% |
| The State Bank and Trust Company | 19 | 6.750% | $235,000 | 5.0% |
| CME Federal Credit Union | 19 | 7.850% | $115,000 | 13.6% |
| Bank of America, National Association | 18 | 6.313% | $195,000 | 38.7% |
| RMC HOME MORTGAGE, LLC | 18 | 5.375% | $425,000 | 14.3% |
| RIGHT START MORTGAGE, INC. | 18 | 6.750% | $310,000 | 0.0% |
| Kingston National Bank | 17 | Not published | $165,000 | 15.0% |
| Kiavi Funding, Inc. | 16 | 10.720% | $265,000 | 15.8% |
| CARRINGTON MORTGAGE SERVICES, LLC | 15 | 6.500% | $185,000 | 37.0% |
| German American Bank | 15 | 6.875% | $125,000 | 27.3% |
| Lendage, LLC | 15 | 11.000% | $45,000 | 5.3% |
| Pathways Financial Credit Union, Inc. | 15 | 6.500% | $145,000 | 11.8% |
| SPRING EQ, LLC | 14 | 8.425% | $70,000 | 76.8% |
| BMI Federal Credit Union | 14 | 7.500% | $95,000 | 12.5% |
| POLARIS HOME FUNDING CORP. | 14 | 6.750% | $220,000 | 11.8% |
| SOFI BANK, NATIONAL ASSOCIATION | 12 | 7.682% | $75,000 | 7.7% |
| AMERICAN PACIFIC MORTGAGE CORPORATION | 12 | 6.438% | $305,000 | 7.7% |
| Paramount Residential Mortgage Group, Inc. | 12 | 6.870% | $325,000 | 7.7% |
| North Valley Bank | 12 | Not published | $150,000 | 0.0% |
| First Merchants Bank | 12 | 6.688% | $140,000 | 0.0% |
| The Federal Savings Bank | 11 | 6.500% | $375,000 | 0.0% |
| FIRST OHIO HOME FINANCE, INC. | 11 | 6.625% | $295,000 | 0.0% |
| THE EQUITABLE MORTGAGE CORPORATION | 11 | 6.375% | $285,000 | 0.0% |
| Civista Bank | 10 | 6.688% | $370,000 | 28.6% |
| PROVIDENT FUNDING ASSOCIATES, L.P. | 10 | 6.438% | $330,000 | 0.0% |
| GO MORTGAGE, LLC | 10 | 6.625% | $290,000 | 0.0% |
| HOMEBRIDGE FINANCIAL SERVICES, INC. | 10 | 9.755% | $120,000 | 0.0% |
| Discover Bank | 9 | Under 10 loans | Under 10 loans | 76.9% |
| Citizens Bank, National Association | 9 | Under 10 loans | Under 10 loans | 41.2% |
| GoodLeap, LLC | 9 | Under 10 loans | Under 10 loans | 31.3% |
| UNIFIED BANK | 9 | Under 10 loans | Under 10 loans | 14.3% |
| Click n' Close, Inc. | 9 | Under 10 loans | Under 10 loans | 0.0% |
| HOWARD HANNA FINANCIAL SERVICES, INC. | 9 | Under 10 loans | Under 10 loans | 10.0% |
| UNION CAPITAL MORTGAGE CORPORATION | 9 | Under 10 loans | Under 10 loans | 0.0% |
| PLANET HOME LENDING, LLC | 9 | Under 10 loans | Under 10 loans | 10.0% |
| BRIDGE CREDIT UNION, INC. | 9 | Under 10 loans | Under 10 loans | 0.0% |
| ATOMIC CREDIT UNION, INC. | 8 | Under 10 loans | Under 10 loans | 52.9% |
| VILLAGE CAPITAL & INVESTMENT LLC | 8 | Under 10 loans | Under 10 loans | 16.7% |
| USAA Federal Savings Bank | 8 | Under 10 loans | Under 10 loans | 33.3% |
| KeyBank National Association | 8 | Under 10 loans | Under 10 loans | 27.3% |
| Prosperity Home Mortgage, LLC | 8 | Under 10 loans | Under 10 loans | 20.0% |
| SCHUMACHER MORTGAGE LLC | 8 | Under 10 loans | Under 10 loans | 11.1% |
| Farm Credit Mid-America | 8 | Under 10 loans | Under 10 loans | 11.1% |
| PEOPLES STATE BANK | 8 | Under 10 loans | Under 10 loans | 0.0% |
| Nations Lending Corporation | 8 | Under 10 loans | Under 10 loans | 0.0% |
| LAKEVIEW LOAN SERVICING, LLC | 7 | Under 10 loans | Under 10 loans | 55.9% |
| DEVELOPER'S MORTGAGE COMPANY | 7 | Under 10 loans | Under 10 loans | 41.7% |
| GUARANTEED RATE AFFINITY, LLC | 7 | Under 10 loans | Under 10 loans | 12.5% |
| AMERICAN FINANCIAL NETWORK, INC. | 7 | Under 10 loans | Under 10 loans | 30.0% |
| PENTAGON FEDERAL CREDIT UNION | 7 | Under 10 loans | Under 10 loans | 36.4% |
| GUILD MORTGAGE COMPANY | 7 | Under 10 loans | Under 10 loans | 0.0% |
| FIRST COMMUNITY MORTGAGE, INC. | 7 | Under 10 loans | Under 10 loans | 0.0% |
| EDUCATION FIRST CREDIT UNION, INC. | 7 | Under 10 loans | Under 10 loans | 12.5% |
| AMERICAN FINANCING CORPORATION | 6 | Under 10 loans | Under 10 loans | 55.6% |
| 21st Mortgage Corporation | 6 | Under 10 loans | Under 10 loans | 66.7% |
| 254900M2C4Q6DATP2889 | 6 | Under 10 loans | Under 10 loans | 40.0% |
| The Union Bank Company | 6 | Under 10 loans | Under 10 loans | 14.3% |
| Plains Commerce Bank | 6 | Under 10 loans | Under 10 loans | 25.0% |
| CREDIT UNION OF OHIO | 6 | Under 10 loans | Under 10 loans | 30.0% |
| First Commonwealth Bank | 6 | Under 10 loans | Under 10 loans | 36.4% |
| EAST COAST CAPITAL CORP. | 6 | Under 10 loans | Under 10 loans | 0.0% |
| Wells Fargo Bank, National Association | 6 | Under 10 loans | Under 10 loans | 0.0% |
| CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP | 6 | Under 10 loans | Under 10 loans | 0.0% |
| LAND HOME FINANCIAL SERVICES, INC. | 6 | Under 10 loans | Under 10 loans | 0.0% |
| BPL MORTGAGE TRUST, LLC | 6 | Under 10 loans | Under 10 loans | 0.0% |
| BETTER MORTGAGE CORPORATION | 5 | Under 10 loans | Under 10 loans | 40.0% |
| Equity Prime Mortgage LLC | 5 | Under 10 loans | Under 10 loans | 37.5% |
| Baxter Credit Union | 5 | Under 10 loans | Under 10 loans | 30.0% |
| PHH Mortgage Corporation | 5 | Under 10 loans | Under 10 loans | 16.7% |
| First Federal Savings and Loan Association of Lakewood | 5 | Under 10 loans | Under 10 loans | 16.7% |
| MILEND, INC. | 5 | Under 10 loans | Under 10 loans | 28.6% |
| Synergy One Lending, Inc. | 5 | Under 10 loans | Under 10 loans | 16.7% |
| AMERICAN FINANCIAL RESOURCES, INC. | 5 | Under 10 loans | Under 10 loans | 0.0% |
| TRIAD FINANCIAL SERVICES, INC. | 4 | Under 10 loans | Under 10 loans | 52.0% |
| BAYSHORE MORTGAGE FUNDING, LLC | 4 | Under 10 loans | Under 10 loans | 0.0% |
| AMERIHOME MORTGAGE COMPANY, LLC | 4 | Under 10 loans | Under 10 loans | 20.0% |
| SUN WEST MORTGAGE COMPANY, INC. | 4 | Under 10 loans | Under 10 loans | 28.6% |
| NBKC BANK | 4 | Under 10 loans | Under 10 loans | 33.3% |
| GENEVA FINANCIAL, LLC | 4 | Under 10 loans | Under 10 loans | 0.0% |
| HOMEXPRESS MORTGAGE CORP. | 4 | Under 10 loans | Under 10 loans | 33.3% |
| 254900CTT87ZKAUTIJ37 | 4 | Under 10 loans | Under 10 loans | 20.0% |
| ZILLOW HOME LOANS, LLC | 4 | Under 10 loans | Under 10 loans | 0.0% |
| RELIANCE FIRST CAPITAL, LLC | 4 | Under 10 loans | Under 10 loans | 0.0% |
| First Service Federal Credit Union | 4 | Under 10 loans | Under 10 loans | 0.0% |
| Buckeye State Bank | 4 | Under 10 loans | Under 10 loans | 0.0% |
| NEW DAY FINANCIAL, LLC | 3 | Under 10 loans | Under 10 loans | 42.9% |
| AMERICAN NEIGHBORHOOD MORTGAGE ACCEPTANCE COMPANY LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| GOLD STAR MORTGAGE FINANCIAL GROUP, CORPORATION | 3 | Under 10 loans | Under 10 loans | 0.0% |
| ROYAL UNITED MORTGAGE LLC | 3 | Under 10 loans | Under 10 loans | 57.1% |
| First Federal Savings and Loan Association | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Flagstar Bank, N.A. | 3 | Under 10 loans | Under 10 loans | 50.0% |
| SIRVA MORTGAGE, INC. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| QUORUM FEDERAL CREDIT UNION | 3 | Under 10 loans | Under 10 loans | 40.0% |
| DAS Acquisition Company, LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Tomo Mortgage, LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| UNITED MORTGAGE CORP. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| NEXERA HOLDING LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| NATIONS DIRECT MORTGAGE, LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| UNIVERSAL 1 CREDIT UNION | 3 | Under 10 loans | Under 10 loans | 0.0% |
| EVERETT FINANCIAL, INC. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Truist Bank | 3 | Under 10 loans | Under 10 loans | 25.0% |
| CLEAREDGE LENDING LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| FINANCE OF AMERICA REVERSE LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Ixonia Bank | 3 | Under 10 loans | Under 10 loans | 0.0% |
| MM LENDING, LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| VANDERBILT MORTGAGE AND FINANCE, INC. | 2 | Under 10 loans | Under 10 loans | 73.3% |
| KIND LENDING, LLC | 2 | Under 10 loans | Under 10 loans | 71.4% |
| CMG MORTGAGE, INC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| DEEPHAVEN MORTGAGE LLC | 2 | Under 10 loans | Under 10 loans | 60.0% |
| PRIMELENDING, A PLAINSCAPITAL COMPANY | 2 | Under 10 loans | Under 10 loans | 50.0% |
| A&D Mortgage LLC | 2 | Under 10 loans | Under 10 loans | 33.3% |
| TrueCore Federal Credit Union | 2 | Under 10 loans | Under 10 loans | 0.0% |
| ENDEAVOR CAPITAL, LLC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Bankers' Bank | 2 | Under 10 loans | Under 10 loans | 25.0% |
| OCMBC, INC. | 2 | Under 10 loans | Under 10 loans | 25.0% |
| MOVEMENT MORTGAGE, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| ANGEL OAK MORTGAGE SOLUTIONS LLC | 2 | Under 10 loans | Under 10 loans | 33.3% |
| First National Bank of Pennsylvania | 2 | Under 10 loans | Under 10 loans | 33.3% |
| The Farmers Bank and Savings Company | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Easy Street Capital, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Day Air Credit Union, Inc. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| The Merchants National Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Transportation Federal Credit Union | 2 | Under 10 loans | Under 10 loans | 0.0% |
| TOP FLITE FINANCIAL, INC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| CHURCHILL MORTGAGE CORPORATION | 2 | Under 10 loans | Under 10 loans | 0.0% |
| MORTGAGE SOLUTIONS OF COLORADO, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| TOWNE MORTGAGE COMPANY | 2 | Under 10 loans | Under 10 loans | 0.0% |
| LENDSURE MORTGAGE CORP. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| HONDA Federal Credit Union | 2 | Under 10 loans | Under 10 loans | 0.0% |
| CHAMPIONS FUNDING, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| S&T Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Loan Funder LLC | 1 | Under 10 loans | Under 10 loans | 50.0% |
| ALLIED MORTGAGE GROUP, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| PLAZA HOME MORTGAGE, INC. | 1 | Under 10 loans | Under 10 loans | 66.7% |
| GUIDANCE RESIDENTIAL, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Manufacturers and Traders Trust Company | 1 | Under 10 loans | Under 10 loans | 50.0% |
| ICE LENDER HOLDINGS LLC | 1 | Under 10 loans | Under 10 loans | 50.0% |
| The Community Bank | 1 | Under 10 loans | Under 10 loans | 50.0% |
| AMERICAN INTERNET MORTGAGE, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| LIMA ONE CAPITAL, LLC | 1 | Under 10 loans | Under 10 loans | 50.0% |
| Sierra Pacific Mortgage Company, Inc. | 1 | Under 10 loans | Under 10 loans | 50.0% |
| SOUTHWEST STAGE FUNDING, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| ARC HOME LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Armed Forces Bank, National Association | 1 | Under 10 loans | Under 10 loans | 0.0% |
| PEOPLE FIRST FEDERAL CREDIT UNION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| LIBERTY HOME MORTGAGE CORPORATION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| EMM LOANS LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| ENVOY MORTGAGE, LTD | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Home Loan Investment Bank, F.S.B. | 1 | Under 10 loans | Under 10 loans | 50.0% |
| Valon Mortgage, Inc. | 1 | Under 10 loans | Under 10 loans | 50.0% |
| ALLIANT CREDIT UNION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| CANOPY MORTGAGE, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| First Savings Bank | 1 | Under 10 loans | Under 10 loans | 50.0% |
Ranked by mortgages made here in 2025. "Denied" is the share of this lender’s decisions here that were denials. Another 118 lenders each made 1 or fewer mortgages here, and are counted in the totals above.
Bank branches in Fairfield County
34 FDIC-insured branches from 17 banks, as of 30 June 2026, with the deposits held at them.
| Bank | Branches here | Deposits |
|---|---|---|
| The Park National Bank | 4 | $573.6 million |
| JPMorgan Chase Bank, National Association | 3 | $459.2 million |
| THE VINTON COUNTY NATIONAL BANK | 3 | $376.3 million |
| Fifth Third Bank, National Association | 3 | $312.3 million |
| Fairfield Federal Savings and Loan Association of Lancaster | 3 | $247.4 million |
| PNC Bank, National Association | 3 | $238.6 million |
| The Huntington National Bank | 2 | $541.8 million |
| Peoples Bank | 2 | $165.4 million |
| Unified Bank | 2 | $31.1 million |
| Woodforest National Bank | 2 | $3.7 million |
| U.S. Bank National Association | 1 | $126.0 million |
| Union Savings Bank | 1 | $106.6 million |
| Kingston National Bank | 1 | $75.7 million |
| The Savings Bank | 1 | $62.3 million |
| German American Bank | 1 | $52.4 million |
| North Valley Bank | 1 | $39.8 million |
| KeyBank National Association | 1 | $29.8 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.