Largest lenders in Defiance County
| # | Lender | Grade | Applications | Originated | Denial rate | Median rate |
|---|---|---|---|---|---|---|
| 1 | The Huntington National Bank | D | 184 | 121 | 17.4% | 7.09% |
| 2 | The State Bank and Trust | B | 127 | 105 | 6.3% | 6.38% |
| 3 | WesBanco Bank | B | 117 | 83 | 18.0% | 6.74% |
| 4 | The Farmers & Merchants State Bank | B | 97 | 73 | 12.4% | 7.38% |
| 5 | Rocket Mortgage | C | 69 | 50 | 21.7% | 6.88% |
| 6 | Crosscountry Mortgage | B | 61 | 39 | 6.6% | 6.99% |
| 7 | Fifth Third Bank | D | 48 | 20 | 37.5% | 7.50% |
| 8 | Superior Credit Union | D | 31 | 23 | 6.5% | 6.50% |
| 9 | Mortgage Research Center | C | 24 | 9 | 25.0% | 6.56% |
| 10 | The Sherwood State Bank | – | 21 | 16 | 4.8% | — |
| 11 | Loandepot.Com | D | 20 | 8 | 20.0% | 7.44% |
| 12 | United Shore Financial Services | B | 19 | 12 | 10.5% | 5.69% |
| 13 | The Citizens National Bank of Bluffton | C | 18 | 13 | 11.1% | 6.75% |
| 14 | Coastal Community Bank | C | 18 | 3 | 5.6% | 8.99% |
| 15 | Freedom Mortgage | B | 15 | 8 | 6.7% | 6.00% |
| 16 | Broker Solutions | D | 15 | 2 | 26.7% | 7.31% |
| 17 | New Day Financial | F | 13 | 2 | 23.1% | 7.18% |
| 18 | Unnamed lender 2549008C0Z4DABRKVV12 | – | 13 | 12 | 0.0% | — |
| 19 | AmeriSave Mortgage | D | 12 | 2 | 66.7% | 10.31% |
| 20 | First Financial Bank | D | 11 | 5 | 27.3% | 6.38% |
| 21 | Three Rivers Federal Credit Union | C | 11 | 7 | 18.2% | 6.63% |
| 22 | Pennymac Loan Services | C | 10 | 8 | 0.0% | 7.56% |
| 23 | 21st Mortgage | F | 10 | 2 | 70.0% | 13.51% |
| 24 | Navy Federal Credit Union | D | 10 | 4 | 30.0% | 8.18% |
| 25 | Union Home Mortgage | B | 9 | 7 | 0.0% | 6.56% |
Best approval odds in Defiance County
Lowest decision denial rate among lenders that decided at least 50 applications here in 2025.
| # | Lender | Decided | Decision denial rate |
|---|---|---|---|
| 1 | The State Bank and Trust | 116 | 6.9% |
| 2 | The Farmers & Merchants State Bank | 85 | 14.1% |
| 3 | WesBanco Bank | 107 | 19.6% |
| 4 | The Huntington National Bank | 160 | 20.0% |
| 5 | Rocket Mortgage | 65 | 23.1% |
What Defiance County borrowers applied for
By loan purpose
By loan type
Why applications were denied
Defiance County by year
| Year | Applications | Originated | Denial rate | Median rate | Median loan |
|---|---|---|---|---|---|
| 2023 | 1,135 | 698 | 19.1% | 7.25% | $105,000 |
| 2024 | 1,136 | 690 | 22.1% | 7.13% | $105,000 |
| 2025 | 1,261 | 778 | 17.8% | 6.80% | $115,000 |
Frequently asked questions
17.8% of applications in Defiance County were denied in 2025, against 17.7% statewide in Ohio.
The Huntington National Bank, with 184 applications in 2025 and a denial rate of 17.4%.
The median mortgage application in Defiance County in 2025 was for $115,000; the median property value on originated loans was $195,000.