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refinance lenders · HMDA 2023–2025

Refinance lenders in Lucas County, Ohio

Fat Boy Data analyzed mortgage refinance activity in Lucas County, Ohio, home to Toledo, to show which lenders are making these loans, how often they approve, how often borrowers accept the offer, and how much they typically finance. 3,366 applications were decided by 149 lenders between 2023 and 2025.

Lucas County at a glance

149Active lenders24 with 20+ decisions
74.2%Market approval rate2,498 of 3,366 decided
$95KTypical loanmedian lender, $10K brackets
95%Borrower take-up2,373 loans funded

How Lucas County compares

Approval rate compared
Lucas County74.2%Ohio76.9%All 616 counties76.5%
Typical loan compared
Lucas County$95KOhio$105KAll 616 counties$295K

What the data shows

Fifth Third Bank, National Association made the most mortgage refinances in Lucas County, OH, 430 of them.

Freedom Mortgage Corporation approved the highest share of applications among lenders with at least 20 decisions here, 100% of 59.

Approval rate of all 24 lenders with 20+ decisions here
0%25%50%75%100%One lender: 16% approved of 83One lender: 56% approved of 32One lender: 58% approved of 64One lender: 62% approved of 21One lender: 63% approved of 59One lender: 64% approved of 45One lender: 72% approved of 93One lender: 73% approved of 26The Huntington National Bank: 73% approved of 558Rocket Mortgage, LLC: 74% approved of 151PNC Bank, National Association: 75% approved of 190Fifth Third Bank, National Association: 76% approved of 590One lender: 76% approved of 33Citizens Bank, National Association: 76% approved of 358One lender: 78% approved of 146One lender: 81% approved of 90One lender: 86% approved of 42One lender: 92% approved of 36One lender: 93% approved of 45One lender: 96% approved of 48One lender: 96% approved of 52One lender: 97% approved of 34One lender: 100% approved of 59One lender: 100% approved of 21

Each dot is one lender, placed at its approval rate. Hover for the sample size; the 5 largest lenders are named, the rest are behind the unlock.

Refinance lenders in Lucas County

LenderApprovalApprovedTaken upTypical loanLoans made
1Fifth Third Bank, National Association76%446 / 59096%$65K430
2The Huntington National Bank73%408 / 55895%$95K388
3Citizens Bank, National Association76%273 / 35897%$105K266
4PNC Bank, National Association75%143 / 19097%$85K139
5Rocket Mortgage, LLC74%112 / 15196%$185K108

Ranked by lending volume. Approval is the share of decided applications a lender approved; taken up is the share of approvals borrowers accepted. Lenders with fewer than 20 decisions are marked as a limited sample and never used for a “highest approval” claim.How the numbers work.

Fat Boy found 144 more lenders.

One email unlocks every lender Fat Boy found.

You are seeing the 5 largest mortgage refinance lenders in Lucas County. Unlock the full market: every lender that decided one of these loans here, what they approved, how much borrowers took, and how close the nearest office is.

  • Every lender in the market
  • Approval rate and borrower take-up
  • Typical loan size and range
  • Nearest office and distance
  • Branch count and application options
  • How easy each lender is to reach

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