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Mortgage Lenders and Brokers in Cincinnati, Ohio

Content reviewed by

Brian McKay | iEditorial Disclosure | ✓Fact Checked | Loan Rates Last Updated and Verified: October 7, 2026

Cincinnati, Ohio mortgage lenders include Union Savings BankUnion Savings Bank6701 Hamilton Ave, Cincinnati, OH 45224, Fifth Third Bank, National AssociationFifth Third Bank, National Association2310 Ferguson Rd, Cincinnati, OH 45238A+5.0 ★Texas Ratio: 3.22%, Huntington National BankHuntington National Bank4400 Red Bank Rd, Cincinnati, OH 45227A+5.0 ★Texas Ratio: 3.66%, US Bank, N.A.US Bank, N.A.131 Williams St, Cincinnati, OH 45215A+5.0 ★Texas Ratio: 2.85%, First Financial BankFirst Financial Bank2712 Short Vine St, Cincinnati, OH 45219A+5.0 ★Texas Ratio: 3.21%, JPMorgan Chase Bank, NAJPMorgan Chase Bank, NA867 Wyler Park Dr, Cincinnati, OH 45245A+5.0 ★Texas Ratio: 3.68%, Guardian Savings BankGuardian Savings Bank11333 Princeton Pike, Cincinnati, OH 45246A+5.0 ★Texas Ratio: 1.35%, Lcnb National BankLcnb National Bank7553 Bridgetown Rd, Cincinnati, OH 45248A+5.0 ★Texas Ratio: 2.05%, Warsaw Federal Savings and Loan AssociationWarsaw Federal Savings and Loan Association6570 Gracely Dr, Cincinnati, OH 45233A5.0 ★Texas Ratio: 10.25%, and PNC Bank N.A.PNC Bank N.A.7423 Wooster Pike, Cincinnati, OH 45227A+5.0 ★Texas Ratio: 4.24%. Banks, credit unions and mortgage companies are listed together, with FHA, VA and local options flagged for quick comparison.

Lenders are ranked only by the number of home loans they closed in Cincinnati, Ohio in 2025, as reported under the federal Home Mortgage Disclosure Act. No lender pays for a higher spot. Lenders based in Cincinnati are listed first, then lenders elsewhere in Ohio, then lenders from other states that closed loans there. Banks and credit unions carry a MonitorBankRates health grade, star rating and Texas Ratio, so you can judge how financially sound they are. Mortgage companies have no deposits to rate, so compare their loan programs, median loan and borrower reviews instead. Compare at least three lenders and ask each for a written loan estimate before you choose.

Mortgage Lenders and Brokers in Cincinnati, Ohio

Market share is the lender's share of all home loans closed in Cincinnati, Ohio. Approval share is approvals divided by completed applications. Grade is the MonitorBankRates Health and Safety Grade, available for banks and credit unions only. Average loan is the lender's mean loan amount here.

Lender	Programs	Loans closed	Market share	Approval share	Average loan	View
Union Savings Bank 6701 Hamilton Ave, Cincinnati, OH 45224	Conventional, FHA, Jumbo, HELOC	232 +58 HELOCs	5.9%	95.9%	$289,784
Fifth Third Bank, National Association 43 offices in Cincinnati 2310 Ferguson Rd, Cincinnati, OH 45238 A+5.0 ★Texas Ratio: 3.22%	Conventional, FHA, Jumbo, HELOC	142 +258 HELOCs	3.6%	74.5%	$368,028	View
Huntington National Bank 15 offices in Cincinnati 4400 Red Bank Rd, Cincinnati, OH 45227 A+5.0 ★Texas Ratio: 3.66%	Conventional, FHA, VA, Jumbo, HELOC	135 +100 HELOCs	3.4%	85.4%	$358,851	View
US Bank, N.A. 22 offices in Cincinnati 131 Williams St, Cincinnati, OH 45215 A+5.0 ★Texas Ratio: 2.85%	Conventional, FHA, Jumbo, HELOC	100 +55 HELOCs	2.5%	70.5%	$286,100	View
First Financial Bank 17 offices in Cincinnati 2712 Short Vine St, Cincinnati, OH 45219 A+5.0 ★Texas Ratio: 3.21%	Conventional, FHA, HELOC	81 +60 HELOCs	2.1%	74.8%	$190,679	View
JPMorgan Chase Bank, NA 12 offices in Cincinnati 867 Wyler Park Dr, Cincinnati, OH 45245 A+5.0 ★Texas Ratio: 3.68%	Conventional, FHA, Jumbo, HELOC	71 +2 HELOCs	1.8%	85.7%	$276,830	View
Guardian Savings Bank 6 offices in Cincinnati 11333 Princeton Pike, Cincinnati, OH 45246 A+5.0 ★Texas Ratio: 1.35%	Conventional, FHA, VA, HELOC	53 +14 HELOCs	1.3%	83.6%	$320,849	View
Lcnb National Bank 6 offices in Cincinnati 7553 Bridgetown Rd, Cincinnati, OH 45248 A+5.0 ★Texas Ratio: 2.05%	Conventional	49	1.2%	94.2%	$274,591	View
Warsaw Federal Savings and Loan Association 6570 Gracely Dr, Cincinnati, OH 45233 A5.0 ★Texas Ratio: 10.25%	Conventional, FHA, VA, Jumbo	47	1.2%	94%	$335,000	View
PNC Bank N.A. ★ 1.7 stars, 3 reviews 24 offices in Cincinnati 7423 Wooster Pike, Cincinnati, OH 45227 A+5.0 ★Texas Ratio: 4.24%	Conventional, FHA, Jumbo, HELOC	39 +155 HELOCs	1%	78.4%	$301,153	View
North Side Bank & Trust Company 633 Anderson Ferry Rd, Cincinnati, OH 45238 A+5.0 ★Texas Ratio: 0.73%	Conventional, HELOC	38 +101 HELOCs	1%	70.2%	$111,578	View
Cinfed Federal Credit Union 550 Main St, Cincinnati, OH 45202 A+5.0 ★Texas Ratio: 2.00%	Conventional, Jumbo, HELOC	36 +48 HELOCs	0.9%	90%	$413,333	View
Stock Yards Bank & Trust Company 3 offices in Cincinnati 2651 Observatory Ave Ste 102, Cincinnati, OH 45208 A+5.0 ★Texas Ratio: 1.99%	Conventional, Jumbo, HELOC	31 +8 HELOCs	0.8%	91.4%	$186,935	View
Republic Bank & Trust 3 offices in Cincinnati 4030 Smith Rd, Cincinnati, OH 45209 A+5.0 ★Texas Ratio: 2.91%	Conventional, FHA, HELOC	30 +16 HELOCs	0.8%	85.7%	$200,333	View
The Park National Bank 3 offices in Cincinnati 4550 Eastgate Blvd, Cincinnati, OH 45245 A5.0 ★Texas Ratio: 6.62%	Conventional, FHA, HELOC	30 +9 HELOCs	0.8%	75.6%	$185,666	View
General Electric Credit Union 10485 Reading Rd, Cincinnati, OH 45241 2523 A5.0 ★Texas Ratio: 6.06%	Conventional, HELOC	27 +49 HELOCs	0.7%	81.1%	$246,481	View
First Commonwealth Bank 5 offices in Cincinnati 9960 Springfield Pike, Cincinnati, OH 45215 A+5.0 ★Texas Ratio: 3.82%	Conventional, FHA, Jumbo, HELOC	27 +5 HELOCs	0.7%	90.3%	$337,592	View
Bank of America NA 12 offices in Cincinnati 312 Walnut St, Cincinnati, OH 45202 A+5.0 ★Texas Ratio: 4.14%	Conventional, Jumbo, HELOC	25 +12 HELOCs	0.6%	89.3%	$430,200	View
Wesbanco Bank, Inc. 2 offices in Cincinnati 4517 Vine St, Cincinnati, OH 45217 A+5.0 ★Texas Ratio: 3.87%	Conventional, Jumbo, HELOC	14 +27 HELOCs	0.4%	100%	$415,714	View
Sharefax Credit Union ★ 5 stars, 1 review 10590 READING RD, CINCINNATI, OH 45241 A5.0 ★Texas Ratio: 7.78%	Conventional	13	0.3%	83.3%	$256,538	View
Keybank National Association 7 offices in Cincinnati 303 Broadway St, Cincinnati, OH 45202 A+5.0 ★Texas Ratio: 4.81%	Conventional, FHA, HELOC	12 +7 HELOCs	0.3%	70.6%	$235,000	View
Cincinnati Ohio Police Federal Credit Union 959 W 8th St, Cincinnati, OH 45203 A5.0 ★Texas Ratio: 10.75%	Conventional	12	0.3%	100%	$65,000
Peoples Bank 3 offices in Cincinnati 5727 Madison Road, Cincinnati, OH 45227 A+5.0 ★Texas Ratio: 3.39%	Conventional, FHA, HELOC	9 +3 HELOCs	0.2%	75%	$187,222	View
German American Bank 1 office in Cincinnati 7755 Montgomery Rd, Cincinnati, OH 45236 A+5.0 ★Texas Ratio: 1.93%	Conventional, FHA, Jumbo	8	0.2%	88.9%	$501,250	View
Spring Valley Bank 1206 Springfield Pike, Wyoming, OH 45215 A+5.0 ★Texas Ratio: 1.15%	Conventional	7	0.2%	62.5%	$213,571	View
Valley Central Bank 6550 Princeton Glendale Rd, Liberty Township, OH 45011 A5.0 ★Texas Ratio: 8.10%	Conventional	4	0.1%	100%	$230,000	View
Cincinnatus Savings & Loan 1 office in Cincinnati 3664 Springdale Rd, Cincinnati, OH 45251 A+5.0 ★Texas Ratio: 1.17%	Conventional	2	0.1%	66.7%	$235,000	View
Sibcy Cline Mortgage Services, Inc.	Conventional, FHA, VA, Jumbo	38	1%	92.7%	$281,315
Rapid Mortgage Company	Conventional, FHA	25	0.6%	96.2%	$251,800
Third Federal Savings and Loan 35592 Detroit Rd, Avon, OH 44011 A+5.0 ★Texas Ratio: 2.32%	Conventional, HELOC	57 +64 HELOCs	1.4%	72.3%	$213,070	View
Riverhills Bank 1719 W Ohio Pike, Amelia, OH 45102 A+5.0 ★Texas Ratio: 0.96%	Conventional, FHA, VA	55	1.4%	86.6%	$302,090	View
Kemba Credit Union 211 Northland Blvd, Cincinnati, OH 45246 A+5.0 ★Texas Ratio: 3.32%	Conventional, Jumbo, HELOC	37 +30 HELOCs	0.9%	80.4%	$312,837	View
Superior Credit Union, Inc. 49 WILLIAM HOWARD TAFT RD, CINCINNATI, OH 45219 A+5.0 ★Texas Ratio: 0.82%	Conventional, HELOC	28 +22 HELOCs	0.7%	86.1%	$282,142	View
Wright Patt Credit Union Inc 3 Enfield St, Cincinnati, OH 45218 1402 A5.0 ★Texas Ratio: 6.22%	Conventional, FHA, VA, HELOC	18 +17 HELOCs	0.5%	56.1%	$251,666	View
1st National Bank 9015 Fields Ertel Rd, Cincinnati, OH 45249 A+5.0 ★Texas Ratio: 4.63%	Conventional	16	0.4%	100%	$272,500	View
Civista Bank 529 N Cleveland Massillon Rd, Akron, OH 44333 A+5.0 ★Texas Ratio: 4.72%	Conventional, HELOC	15 +1 HELOCs	0.4%	100%	$237,666	View
Heritage Bank, INC 9749 Montgomery Rd, Cincinnati, OH 45242 A+5.0 ★Texas Ratio: 4.11%	Conventional, Jumbo	10	0.3%	71.4%	$341,000	View
FCN Bank 590 Ring Rd, Harrison, OH 45030 A+5.0 ★Texas Ratio: 0.13%	Conventional, Jumbo	8	0.2%	100%	$367,500	View
Cfbank NA ★ 1 stars, 1 review 10300 Alliance Rd, Cincinnati, OH 45242 A+5.0 ★Texas Ratio: 5.55%	Conventional	6	0.2%	100%	$341,666	View
Truist Bank ★ 1 stars, 1 review 3701 Montomgery Road, Cincinnati, OH 45207 A+5.0 ★Texas Ratio: 2.87%	Conventional, Jumbo, HELOC	5 +3 HELOCs	0.1%	71.4%	$523,000	View
Citizens Bank, NA 2147 East Ave, Akron, OH 44314 A+5.0 ★Texas Ratio: 5.44%	Conventional, HELOC	4 +12 HELOCs	0.1%	80%	$172,500	View
The State Bank & Trust Company 1232 N Main St, Bowling Green, OH 43402 A+5.0 ★Texas Ratio: 1.99%	Conventional	4	0.1%	100%	$210,000	View
First Merchants Bank 3650 Olentangy River Rd Ste 100, Columbus, OH 43214 A+5.0 ★Texas Ratio: 4.12%	Conventional	4	0.1%	100%	$417,500	View
Flagstar Bank NA 1 N Hawkins Ave, Akron, OH 44313 D3.3 ★Texas Ratio: 35.11%	Conventional, FHA	3	0.1%	100%	$291,666	View
First Federal S&L of Lakewood 36839 Detroit Rd, Avon, OH 44011 A+5.0 ★Texas Ratio: 4.66%	Conventional	3	0.1%	100%	$245,000	View
Telhio Credit Union, Inc. 201 Outerbelt St, Columbus, OH 43213 1529 A-4.9 ★Texas Ratio: 15.81%	Conventional, HELOC	2 +2 HELOCs	0.1%	100%	$195,000	View
Merchants National Bank 20 E Stimson Ave, Athens, OH 45701 A+5.0 ★Texas Ratio: 4.14%	Conventional	2	0.1%	100%	$230,000	View
AurGroup Financial Credit Union 8811 Holden Blvd, Fairfield, OH 45014 A+5.0 ★Texas Ratio: 2.46%	Conventional	2	0.1%	50%	$30,000	View
First National Bank of PA 3296 W Market St, Akron, OH 44333 A+5.0 ★Texas Ratio: 1.62%	Conventional	2	0.1%	100%	$195,000	View
Kemba Financial Credit Union 211 Northland Blvd, Cincinnati, OH 45246 A+5.0 ★Texas Ratio: 3.32%	Conventional, HELOC	1 +1 HELOCs	0%	100%	$555,000	View
Day Air Credit Union 2089 Dayton Xenia Rd, Beavercreek, OH 45434 7156 A+5.0 ★Texas Ratio: 4.81%	Conventional, HELOC	1 +1 HELOCs	0%	100%	$375,000	View
River Valley Credit Union 3927 Indian Ripple Rd, Dayton, OH 45440 3449 A+5.0 ★Texas Ratio: 2.96%	Conventional	1	0%	100%	$315,000	View
Miami Savings Bank 444 S State St, Harrison, OH 45030 A+5.0 ★Texas Ratio: 1.50%	Conventional	1	0%	100%	$255,000	View
Peoples First Savings Bank 225 Reading Rd, Mason, OH 45040 B4.6 ★Texas Ratio: 20.46%	Conventional	1	0%	100%	$655,000	View
S&T Bank 491 N Cleveland Massillon Rd, Akron, OH 44333 A+5.0 ★Texas Ratio: 2.93%	Conventional	1	0%	100%	$525,000	View
Honda Federal Credit Union 12500 Meranda Rd, Anna, OH 45302 9604	HELOC	0 +1 HELOCs	0%	n/a
First State Bank 4901 Vine St, Cincinnati, OH 45217	HELOC	0 +1 HELOCs	0%	n/a
CrossCountry Mortgage, LLC	Conventional, FHA, VA, Jumbo, HELOC	192 +1 HELOCs	4.9%	95.6%	$321,614
Union Home Mortgage Corp.	Conventional, FHA, VA, HELOC	98 +3 HELOCs	2.5%	93.4%	$252,857
T2 Financial LLC	Conventional, FHA	10	0.3%	100%	$235,000
Liberty Home Mortgage Corp	Conventional, FHA	7	0.2%	100%	$203,571
3rd Street Financial Corp	Conventional	4	0.1%	100%	$312,500
Equity Resources Inc	Conventional	3	0.1%	100%	$371,666
Nations Lending Corporation	Conventional, FHA	2	0.1%	100%	$200,000
Schumacher Mortgage LLC	Conventional	1	0%	100%	$595,000
United Wholesale Mortgage	Conventional, FHA, VA, Jumbo, HELOC	279 +5 HELOCs	7.1%	87%	$283,243
Rocket Mortgage	Conventional, FHA, VA, Jumbo	231	5.9%	78.2%	$197,034
First Community Mortgage, Inc. A+5.0 ★Texas Ratio: 0.38%	Conventional, FHA, VA, Jumbo	91	2.3%	98%	$335,549	View
Guaranteed Rate, Inc.	Conventional, FHA, VA, Jumbo, HELOC	87 +1 HELOCs	2.2%	96.7%	$386,839
Guaranteed Rate Affinity, LLC	Conventional, FHA, VA, Jumbo	74	1.9%	92.5%	$326,621
American Neighborhood Mortgage Acceptance Company	Conventional, FHA	58	1.5%	95.1%	$295,689
Newrez LLC	Conventional, FHA, VA, Jumbo	52	1.3%	82.5%	$285,192
Primelending	Conventional, FHA, VA	49	1.2%	96.4%	$207,448
Pennymac Loan Services LLC	Conventional, FHA, VA	46	1.2%	78.3%	$184,347
Mortgage Research Center	Conventional, FHA, VA, Jumbo	42	1.1%	84%	$281,904
Ruoff Mortgage Company	Conventional, FHA, VA	36	0.9%	95%	$220,000
American Financial Resources LLC	Conventional, FHA	31	0.8%	100%	$245,322
Freedom Mortgage Corporation	Conventional, FHA, VA	30	0.8%	80%	$232,000
Paramount Residential Mortgage	Conventional, FHA, VA	29	0.7%	96.7%	$246,379
New American Funding, LLC.	Conventional, FHA, VA, HELOC	28 +1 HELOCs	0.7%	75.7%	$186,785
Lower, LLC	Conventional, FHA, VA, HELOC	28 +1 HELOCs	0.7%	90.3%	$289,285
Stockton Mortgage Corporation	Conventional, FHA, VA	28	0.7%	90.3%	$281,071
The Loan Store, Inc	Conventional, FHA	28	0.7%	96.8%	$285,357
Fairway Independent Mort Corp	Conventional, FHA, VA	27	0.7%	96.4%	$217,222
loanDepot.com LLC	Conventional, FHA, VA, HELOC	26 +3 HELOCs	0.7%	54.2%	$159,230
Amerisave Mortgage Company	Conventional, FHA, VA	22	0.6%	33.8%	$95,454
Nfm, Inc	Conventional, FHA, VA	21	0.5%	91.3%	$288,809
Nationstar Mortgage	Conventional, FHA	20	0.5%	75.9%	$123,500
Polaris Home Funding Corp.	Conventional, FHA	19	0.5%	100%	$220,263
Navy Federal Credit Union A5.0 ★Texas Ratio: 8.14%	Conventional, VA, HELOC	16 +4 HELOCs	0.4%	81%	$238,750
Bayshore Mortgage Funding	Conventional, FHA, VA	16	0.4%	100%	$190,000
Nations Direct Mortgage, LLC	Conventional, FHA	16	0.4%	88.9%	$234,375
Zillow Home Loans, LLC	Conventional, FHA, VA	16	0.4%	89.5%	$276,875
Synergy One Lending, Inc.	Conventional, FHA	15	0.4%	75%	$247,666
Das Acquisition Company, LLC	Conventional, FHA	15	0.4%	100%	$242,333
American Pacific Mortgage Corporation	Conventional, FHA	15	0.4%	93.8%	$255,000
Prosperity Home Mortgage, LLC	Conventional, FHA	15	0.4%	83.3%	$207,000
Luminate Bank A5.0 ★Texas Ratio: 11.06%	Conventional, FHA	14	0.4%	100%	$246,428	View
Ark-La-Tex Financial Services LLC	Conventional, FHA, VA	13	0.3%	92.9%	$289,615
Gvc Mortgage, Inc.	Conventional, FHA	12	0.3%	100%	$266,666
Geneva Financial LLC	Conventional, FHA	12	0.3%	100%	$173,333
Churchill Mortgage Corporation	Conventional, FHA	12	0.3%	92.3%	$215,000
Sofi Bank, National Association A+5.0 ★Texas Ratio: 0.51%	Conventional	12	0.3%	85.7%	$226,666	View
Goodleap, LLC	Conventional, FHA, VA, HELOC	11 +9 HELOCs	0.3%	76.5%	$195,909
Success Mortgage Partners, Inc	Conventional, FHA	11	0.3%	100%	$210,454
Equity Prime Mortgage LLC	Conventional, FHA, VA	10	0.3%	76.9%	$209,000
VanDyk Mortgage Corporation	Conventional, FHA	9	0.2%	100%	$263,888
Carrington Mortgage Services LLC	Conventional, FHA, VA	9	0.2%	50%	$140,555
Movement Mortgage, LLC	Conventional, FHA, VA	8	0.2%	100%	$220,000
BoxCar Mortgage, LLC	Conventional, FHA	8	0.2%	100%	$282,500
Spring Eq, LLC	Conventional, HELOC	7 +3 HELOCs	0.2%	28.6%	$67,857
Cmg Mortgage Inc	Conventional, FHA, HELOC	7 +1 HELOCs	0.2%	100%	$282,142
Cornerstone First Mortgage, LLC	Conventional, FHA	7	0.2%	100%	$237,857
Lakeview Loan Servicing, LLC	Conventional, VA	7	0.2%	30%	$333,571
Sage Home Loans Corporation	Conventional	7	0.2%	81.8%	$370,714
Nbkc Bank	Conventional	7	0.2%	87.5%	$360,714
City 1st Mortgage Services, LC	Conventional, FHA	7	0.2%	87.5%	$143,571
Discover Bank	Conventional	7	0.2%	16.7%	$143,571
Provident Funding Associates	Conventional	7	0.2%	100%	$447,857
Ubs Bank USA ★ 5 stars, 1 review A+5.0 ★Texas Ratio: 1.21%	Conventional, Jumbo	7	0.2%	87.5%	$715,000	View
Liberty Federal Credit Union	Conventional, Jumbo, HELOC	6 +2 HELOCs	0.2%	85.7%	$986,666
Click n' Close, Inc.	Conventional, VA	6	0.2%	100%	$256,666
Planet Home Lending, LLC	Conventional, FHA	6	0.2%	85.7%	$201,666
Wells Fargo Bank NA A+5.0 ★Texas Ratio: 5.36%	Conventional, FHA, Jumbo	6	0.2%	63.6%	$726,666	View
Morgan Stanley Private Bank NA A4.8 ★Texas Ratio: 2.45%	Conventional, Jumbo	6	0.2%	100%	$740,000	View
Charles Schwab Bank, Ssb A+5.0 ★Texas Ratio: 0.14%	Conventional, Jumbo, HELOC	5 +1 HELOCs	0.1%	100%	$801,000	View
Royal United Mortgage LLC	Conventional, FHA	5	0.1%	71.4%	$175,000
Kind Lending, LLC	Conventional, FHA, VA	5	0.1%	55.6%	$247,000
AmeriHome Mortgage Company, LLC	Conventional, FHA	5	0.1%	83.3%	$265,000
American Financial Network, Inc.	Conventional, FHA	5	0.1%	50%	$227,000
Diamond Residential Mtg Corp	Conventional, FHA	5	0.1%	85.7%	$173,000
HomeXpress Mortgage Corp.	Conventional, Jumbo	5	0.1%	83.3%	$507,000
Sun West Mortgage Company, Inc	Conventional, FHA, VA	5	0.1%	75%	$211,000
Usaa Federal Savings Bank B-3.5 ★Texas Ratio: 6.80%	Conventional, VA	5	0.1%	71.4%	$301,000	View
Top Flite Financial, Inc.	FHA	5	0.1%	83.3%	$177,000
Community Trust Bank, Inc. A+5.0 ★Texas Ratio: 3.53%	Conventional, Jumbo, HELOC	4 +1 HELOCs	0.1%	100%	$690,000	View
Residential Wholesale Mortgage	Conventional	4	0.1%	100%	$240,000
New Day Financial, LLC.	VA	4	0.1%	40%	$237,500
Mutual of Omaha Mortgage	Conventional, FHA, VA	4	0.1%	62.5%	$385,000
Plains Commerce Bank A5.0 ★Texas Ratio: 9.09%	Conventional	4	0.1%	100%	$402,500	View
Plaza Home Mortgage, Inc	Conventional, FHA	4	0.1%	44.4%	$162,500
Tomo Mortgage LLC	Conventional	4	0.1%	80%	$275,000
Village Capital & Investment	FHA, VA	4	0.1%	62.5%	$260,000
JMAC Lending, Inc.	Conventional, FHA	4	0.1%	100%	$162,500
Alliant Credit Union A+5.0 ★Texas Ratio: 3.22%	Conventional, HELOC	3 +1 HELOCs	0.1%	100%	$401,666	View
Primary Residential Mortgage, INC.	Conventional, FHA	3	0.1%	100%	$195,000
Gold Star Mortgage Financial Group, Corporation	Conventional, FHA	3	0.1%	100%	$291,666
Allied Mortgage Group, Inc	FHA	3	0.1%	100%	$158,333
Bison State Bank A+5.0 ★Texas Ratio: 2.38%	Conventional	3	0.1%	100%	$328,333	View
Network Capital Funding Corporation	Conventional, FHA	3	0.1%	75%	$91,666
American Financing Corporation	Conventional, FHA	3	0.1%	50%	$215,000
Leader Bank NA A+5.0 ★Texas Ratio: 0.22%	Conventional	3	0.1%	100%	$505,000	View
Forcht Bank, N.A.	Conventional	3	0.1%	75%	$281,666
Lake Michigan Credit Union	Conventional	3	0.1%	100%	$455,000
Nexbank A-5.0 ★Texas Ratio: 14.93%	Conventional	3	0.1%	60%	$221,666	View
Mortgage Solutions of Colorado	FHA, VA	3	0.1%	100%	$201,666
Raymond James Bank A+5.0 ★Texas Ratio: 3.19%	Conventional, Jumbo	3	0.1%	100%	$788,333	View
The Federal Savings Bank B+4.8 ★Texas Ratio: 16.98%	VA	3	0.1%	75%	$275,000	View
Valon Mortgage	Conventional, FHA, HELOC	2 +3 HELOCs	0.1%	50%	$205,000
Stifel Bank & Trust A-4.8 ★Texas Ratio: 12.33%	Conventional, HELOC	2 +1 HELOCs	0.1%	100%	$285,000	View
Arc Home LLC	Conventional	2	0.1%	100%	$140,000
EMM Loans LLC	Conventional, FHA	2	0.1%	100%	$310,000
Premia Mortgage, LLC A5.0 ★Texas Ratio: 13.21%	Conventional	2	0.1%	100%	$480,000	View
Howard Hanna Financial Services, Inc	Conventional	2	0.1%	100%	$215,000
PHH Mortgage Corporation	Conventional	2	0.1%	66.7%	$105,000
M&T Bank A+5.0 ★Texas Ratio: 4.11%	Conventional	2	0.1%	100%	$735,000	View
Deephaven Mortgage LLC	Conventional	2	0.1%	66.7%	$285,000
AdvantageFirst Lending Inc	FHA	2	0.1%	40%	$215,000
General Mortgage Capital Corporation	Conventional	2	0.1%	100%	$285,000
Ocmbc, Inc. A+5.0 ★Texas Ratio: 5.05%	Conventional, FHA	2	0.1%	100%	$100,000	View
MortgageCountry	Conventional	2	0.1%	100%	$165,000
L&N Federal Credit Union A+5.0 ★Texas Ratio: 4.11%	Conventional	2	0.1%	100%	$160,000	View
Cardinal Financial Company, Li	FHA	2	0.1%	60%	$175,000
Shoreham Bank	Conventional, FHA	2	0.1%	100%	$125,000
Luminate Home Loans, Inc. A5.0 ★Texas Ratio: 11.06%	Conventional, VA	2	0.1%	100%	$315,000	View
Reliable Holdings Manager dba Lendz Financial	Conventional	2	0.1%	100%	$195,000
First Federal Bank A+5.0 ★Texas Ratio: 1.10%	Conventional, VA	2	0.1%	100%	$345,000	View
Central Bank & Trust Co A+5.0 ★Texas Ratio: 1.26%	Conventional, Jumbo	2	0.1%	100%	$1,065,000	View
Endeavor Capital, LLC	Conventional, FHA	2	0.1%	100%	$255,000
Purdue Federal Cu	Conventional	2	0.1%	100%	$330,000
Veritas Funding, LLC	FHA, VA	2	0.1%	100%	$200,000
Merchants Bank of Indiana A5.0 ★Texas Ratio: 11.97%	Conventional	2	0.1%	100%	$215,000	View
Ixonia Bank A+5.0 ★Texas Ratio: 2.14%	Conventional	2	0.1%	100%	$275,000	View
State Departmenet Federal Credit Union	Conventional	2	0.1%	100%	$180,000
Vanderbilt Mortgage and Finance, Inc	Conventional	2	0.1%	22.2%	$260,000
Reliance First Capital, LLC	FHA	2	0.1%	66.7%	$125,000
Citibank, NA A+5.0 ★Texas Ratio: 2.82%	Conventional, Jumbo	2	0.1%	100%	$740,000	View
HomeBridge Financial Services, Inc	VA, HELOC	1 +10 HELOCs	0%	66.7%	$205,000
Better Mortgage Corporation	Conventional, HELOC	1 +2 HELOCs	0%	14.3%	$285,000
Mission Loans, LLC	Conventional, HELOC	1 +1 HELOCs	0%	100%	$105,000
Pentagon Federal Credit Union	FHA, HELOC	1 +1 HELOCs	0%	50%	$165,000
Northern Mortgage Services, LLC A5.0 ★Texas Ratio: 8.01%	FHA	1	0%	100%	$95,000	View
Studio Bank A5.0 ★Texas Ratio: 11.28%	Conventional	1	0%	100%	$325,000	View
Genisys Credit Union	Conventional, Jumbo	1	0%	100%	$825,000
Panorama Mortgage Group, LLC	Conventional	1	0%	100%	$125,000
Goldman Sachs Bank USA A+5.0 ★Texas Ratio: 4.32%	Conventional	1	0%	100%	$645,000	View
Msu Federal Credit Union	Conventional	1	0%	100%	$135,000
South Central Bank Inc A+5.0 ★Texas Ratio: 2.83%	Conventional	1	0%	100%	$215,000	View
Atlantic Coast Mortgage, LLC	Conventional	1	0%	100%	$245,000
RANLife, Inc.	FHA	1	0%	100%	$185,000
North American Savings Bank A+5.0 ★Texas Ratio: 4.31%	VA, Jumbo	1	0%	50%	$1,305,000	View
MortgageOne, Inc	VA	1	0%	100%	$365,000
Loansteady LLC	Conventional	1	0%	100%	$425,000
Guidance Residential, LLC	Conventional	1	0%	100%	$175,000
Dart Bank	Conventional	1	0%	100%	$425,000
Regions Bank A+5.0 ★Texas Ratio: 4.37%	Conventional, Jumbo	1	0%	100%	$1,505,000	View
United Trust Bank	FHA	1	0%	100%	$225,000
Gateway First Bank B+4.8 ★Texas Ratio: 17.16%	VA	1	0%	50%	$155,000	View
Filo Mortgage, LLC	Conventional	1	0%	100%	$485,000
Farmers Bank & Trust A+5.0 ★Texas Ratio: 0.65%	Conventional	1	0%	100%	$725,000	View
Guild Mortgage Company	FHA	1	0%	100%	$265,000
Renasant Bank A+5.0 ★Texas Ratio: 4.72%	Conventional	1	0%	100%	$105,000	View
Northpointe Bank A5.0 ★Texas Ratio: 8.47%	Conventional	1	0%	100%	$465,000	View
Michigan Mutual, Inc	Conventional	1	0%	100%	$225,000
Nqm Funding, LLC	Conventional	1	0%	100%	$365,000
Intercoastal Mortgage, LLC	Conventional	1	0%	100%	$335,000
Oceanside Mortgage Company	FHA	1	0%	100%	$145,000
East Coast Capital Corp.	Conventional	1	0%	100%	$155,000
ClearPath Lending	VA	1	0%	50%	$165,000
Dignified Home Loans LLC	Conventional	1	0%	100%	$185,000
Members Heritage CU	Conventional	1	0%	100%	$285,000
Delta Community Credit Union	Conventional	1	0%	100%	$325,000
Transportation Federal Credit Union	Conventional	1	0%	100%	$75,000
Armed Forces Bank, N.A. A+5.0 ★Texas Ratio: 4.81%	FHA	1	0%	100%	$315,000	View
Waterstone Mortgage Corporation	Conventional	1	0%	100%	$395,000
First Equity Mortgage Inc	Conventional	1	0%	14.3%	$205,000
American Bank & Trust Company Inc. A5.0 ★Texas Ratio: 10.95%	Conventional	1	0%	100%	$215,000	View
Gardner Financial Services	FHA	1	0%	100%	$445,000
Baxter Credit Union A5.0 ★Texas Ratio: 6.31%	Conventional	1	0%	50%	$305,000
Change Lending A+5.0 ★Texas Ratio: 3.68%	Conventional	1	0%	50%	$445,000	View
Milend, Inc	Conventional	1	0%	50%	$135,000
Mercantile Bank A+5.0 ★Texas Ratio: 0.63%	Conventional	1	0%	100%	$325,000	View
Mit Federal Credit Union	Conventional	1	0%	100%	$575,000
Traditional Bank Inc A+5.0 ★Texas Ratio: 2.69%	Conventional	1	0%	100%	$245,000	View
Member First Mortgage, LLC	Conventional	1	0%	50%	$85,000
United Mortgage Corp. A+5.0 ★Texas Ratio: 2.15%	FHA	1	0%	100%	$135,000	View
Towne Mortgage Company	FHA	1	0%	100%	$265,000
Pike Creek Mortgage Services, Inc.	Conventional	1	0%	100%	$305,000
V.I.P. Mortgage, Inc.	Conventional	1	0%	100%	$95,000
RoundPoint Mortgage Servicing LLC	Conventional	1	0%	100%	$225,000
First National Bank of America B-4.3 ★Texas Ratio: 23.12%	Conventional	1	0%	100%	$255,000	View
Hometown Funding, INC. D/B/A CNB Mortgage Company	Conventional	1	0%	100%	$195,000
Magnolia Bank A-5.0 ★Texas Ratio: 14.97%	VA	1	0%	100%	$205,000	View
Right Start Mortgage, Inc	Conventional	1	0%	100%	$195,000
United Nations Federal CU	Conventional	1	0%	100%	$175,000
City National Bank A+5.0 ★Texas Ratio: 5.55%	Conventional	1	0%	100%	$805,000	View
Texana Bank	Conventional	1	0%	100%	$205,000
Goprime Mortgage, Inc.	Conventional	1	0%	100%	$265,000
Luxury Mortgage Corp.	Conventional	1	0%	100%	$185,000
Leaderone Financial Corp.	FHA	1	0%	100%	$185,000
Origin Bank A5.0 ★Texas Ratio: 6.66%	Conventional	1	0%	100%	$555,000	View
Figure Lending LLC	HELOC	0 +29 HELOCs	0%	n/a
Coastal Community Bank B4.5 ★Texas Ratio: 20.96%	HELOC	0 +16 HELOCs	0%	n/a		View
Lendage, LLC dba Achieve Loans	HELOC	0 +7 HELOCs	0%	n/a
Fourleaf Federal Credit Union	HELOC	0 +1 HELOCs	0%	0%
Quorum Federal Credit Union	HELOC	0 +1 HELOCs	0%	50%
Connexus Credit Union	HELOC	0 +1 HELOCs	0%	n/a

Lender counts and market shares come from 2025 federal HMDA loan data, the public record of mortgage applications and closings. Health grades: MonitorBankRates, rates as of Oct 8, 2026.

Cincinnati Mortgage Rate Trends

Daily average mortgage rates for Ohio compared with the national average, updated every evening.

30-Year Fixed OH Avg

7.439%

▲ 0.137 vs 7 days ago

15-Year Fixed OH Avg

6.765%

▲ 0.103 vs 7 days ago

Mortgage Lenders and Mortgage Brokers Near Me in Cincinnati, Ohio

Looking for mortgage lenders near me or mortgage brokers near me in Cincinnati? The list below shows the banks, credit unions and mortgage brokers that closed home loans in Cincinnati in 2025, with lenders based there listed first.

Types of Mortgage Lenders in Cincinnati, OH

Use these to narrow the list above. Each category shows how many Cincinnati, OH lenders fit and what that kind of lender is usually best for.

Mortgage companies and brokers 133 lenders. Nonbank lenders and brokers that shop several wholesale lenders; often the fastest closings Banks 92 lenders. Local and national banks with branches, portfolio and jumbo loans, and an MBR health grade Credit unions 32 lenders. Member owned, often lower fees and flexible underwriting for members FHA lenders 110 lenders. 3.5 percent down and credit scores into the 500s; the usual route for bad credit or low down payment buyers VA lenders 54 lenders. No down payment and no mortgage insurance for eligible veterans and service members Jumbo lenders 39 lenders. Loans above the conforming limit for higher priced homes Local lenders based in OH 50 lenders headquartered in Ohio, the closest thing to a mortgage lender near you

Who Lends in Cincinnati, OH

Independent mortgage companies closed 52.3 percent of home loans in Cincinnati, Ohio in 2025, banks 42.1 percent and credit unions 5.6 percent. Sibcy Cline Mortgage Services, Inc. was the largest mortgage company, Union Savings Bank the largest bank and Cinfed Federal Credit Union the largest credit union. Among lenders headquartered in Ohio, Union Savings Bank led with 232 loans.

52.3%

Mortgage companies

42.1%

Banks

5.6%

Credit unions

14%

FHA loans

VA loans

How to Read This List

A high approval share with a small median loan usually points to a lender comfortable with first time and FHA borrowers. A large median loan with conventional and jumbo programs points to a move up and jumbo specialist. The health grade says whether a bank or credit union is financially sound; it says nothing about service, which is what the reviews below are for.

Title or escrow companies usually handle closings in Ohio. State real property conveyance fee of $1 per $1,000 plus a permissive county fee of up to $3 per $1,000, for a total of up to $4 per $1,000 (0.4 percent), customarily paid by the seller; no mortgage recording tax.

More Ohio Mortgage Lender Pages

All Ohio lenders 868 lenders Columbus 360 lenders Toledo 190 lenders Cleveland 203 lenders Akron 189 lenders Delaware 201 lenders Dayton 172 lenders Hamilton 172 lenders Dublin 152 lenders Canton 127 lenders Parma 145 lenders Elyria 130 lenders Springfield 141 lenders

Frequently Asked Questions About Mortgage Lenders in Cincinnati, OH

Who is the largest mortgage lender in Cincinnati, OH?

By home loans closed in 2025, Union Savings Bank was the largest mortgage lender in Cincinnati, Ohio with 232 loans, about 5.9 percent of the market. Source: Home Mortgage Disclosure Act data for 2025, published by the FFIEC and CFPB.

Which mortgage lenders in Cincinnati, OH have the highest approval rates?

Among lenders with meaningful volume in Cincinnati, Ohio, First Community Mortgage, Inc. approved the highest share of completed applications in 2025 at 98 percent, against a 82.9 percent average for all lenders. Approval share reflects the applicants a lender attracts as much as its underwriting, so compare it alongside loan programs and median loan size. Source: Home Mortgage Disclosure Act data for 2025, published by the FFIEC and CFPB.

Which Cincinnati, OH mortgage lenders offer FHA, VA and USDA loans?

110 lenders closed FHA loans in Cincinnati, Ohio in 2025, led by United Wholesale Mortgage with 62. 54 lenders closed VA loans, led by Mortgage Research Center. Use the FHA and VA filters above the table to see only those lenders; FHA loans allow 3.5 percent down and lower credit scores, VA loans need no down payment for eligible veterans. Source: Home Mortgage Disclosure Act data for 2025, published by the FFIEC and CFPB.

Are credit unions and local banks included in this Cincinnati, OH lender list?

Yes. 92 banks and 32 credit unions closed home loans in Cincinnati, Ohio in 2025, alongside 133 independent mortgage companies and brokers. Banks and credit unions carry a MonitorBankRates health grade. Mortgage companies are not deposit institutions, so they have no health grade; their HMDA figures and borrower reviews stand in. Source: Home Mortgage Disclosure Act data for 2025, published by the FFIEC and CFPB.

How are mortgage lenders in Cincinnati, OH ranked on this page?

Lenders are ranked only by the number of home loans they closed in Cincinnati, Ohio during 2025 as reported under the federal Home Mortgage Disclosure Act. No lender pays to be listed or to rank higher, and reviews do not change the order. Counts cover first and second lien loans on one to four unit homes for purchase, refinance and home improvement; home equity lines are counted separately.

Methodology and Sources

Lender rankings use the loan level records that lenders file under the Home Mortgage Disclosure Act, published by the FFIEC and the Consumer Financial Protection Bureau for the 2025 reporting year. Counts include originated first and subordinate lien loans on one to four unit homes in Cincinnati, Ohio for purchase, refinance and other purposes; home equity lines of credit are counted separately and reverse mortgages and business purpose loans are excluded. Approval share is originations plus approved but not accepted applications divided by all completed applications (withdrawn and incomplete files are excluded). Lender type comes from the lender's federal regulator and the FFIEC National Information Center. City figures use the Census tracts that make up Cincinnati. Health grades are MonitorBankRates data and are current as of the date shown. Lenders below the HMDA reporting thresholds do not appear. MonitorBankRates receives no payment for placement on this page. Last updated October 8, 2026.