☰

Survey Results We asked readers after the Fed’s Sept. 16 hike: 50% of homeowners have a mortgage rate under 4%. See the full results

Home / Mortgage Lenders / Ohio / Dayton

iAdvertiser Disclosure

Mortgage Lenders and Brokers in Dayton, Ohio

Content reviewed by

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

Dayton, Ohio mortgage lenders include Huntington National BankHuntington National Bank5900 Springboro Pike, Dayton, OH 45449A+5.0 ★Texas Ratio: 3.66%, Fifth Third Bank, National AssociationFifth Third Bank, National Association7601 Troy Pike, Dayton, OH 45424A+5.0 ★Texas Ratio: 3.22%, JPMorgan Chase Bank, NAJPMorgan Chase Bank, NA3075 Woodman Dr, Dayton, OH 45420A+5.0 ★Texas Ratio: 3.68%, First Financial BankFirst Financial Bank120 W 2nd St, Dayton, OH 45402A+5.0 ★Texas Ratio: 3.21%, Keybank National AssociationKeybank National Association4600 N Dixie Dr, Dayton, OH 45414A+5.0 ★Texas Ratio: 4.81%, US Bank, N.A.US Bank, N.A.2350 N Gettysburg Ave, Dayton, OH 45406A+5.0 ★Texas Ratio: 2.85%, CODE Credit unionCODE Credit union355 W Monument Ave, Dayton, OH 45402A+5.0 ★Texas Ratio: 4.49%, Universal 1 Credit Union Inc.Universal 1 Credit Union Inc.1 River Park Dr, Dayton, OH 45409 2104A+5.0 ★Texas Ratio: 5.33%, PNC Bank N.A.PNC Bank N.A.312 N Patterson Blvd, Dayton, OH 45402A+5.0 ★Texas Ratio: 4.24%, and Old Fort Banking CompanyOld Fort Banking Company6430 Wilmington Pike, Dayton, OH 45459A+4.8 ★Texas Ratio: 1.69%. 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 Dayton, Ohio in 2025, as reported under the federal Home Mortgage Disclosure Act. No lender pays for a higher spot. Lenders based in Dayton 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 Dayton, Ohio

Market share is the lender's share of all home loans closed in Dayton, 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
Huntington National Bank 4 offices in Dayton 5900 Springboro Pike, Dayton, OH 45449 A+5.0 ★Texas Ratio: 3.66%	Conventional, FHA, VA, HELOC	95 +15 HELOCs	5.5%	86.1%	$142,473	View
Fifth Third Bank, National Association 10 offices in Dayton 7601 Troy Pike, Dayton, OH 45424 A+5.0 ★Texas Ratio: 3.22%	Conventional, FHA, VA, HELOC	43 +75 HELOCs	2.5%	73.3%	$94,302	View
JPMorgan Chase Bank, NA 5 offices in Dayton 3075 Woodman Dr, Dayton, OH 45420 A+5.0 ★Texas Ratio: 3.68%	Conventional, FHA, HELOC	35 +2 HELOCs	2%	80%	$136,142	View
First Financial Bank 2 offices in Dayton 120 W 2nd St, Dayton, OH 45402 A+5.0 ★Texas Ratio: 3.21%	Conventional, FHA, HELOC	25 +10 HELOCs	1.4%	61%	$81,000	View
Keybank National Association 5 offices in Dayton 4600 N Dixie Dr, Dayton, OH 45414 A+5.0 ★Texas Ratio: 4.81%	Conventional, FHA, VA, HELOC	22 +3 HELOCs	1.3%	62.9%	$132,727	View
US Bank, N.A. 2 offices in Dayton 2350 N Gettysburg Ave, Dayton, OH 45406 A+5.0 ★Texas Ratio: 2.85%	Conventional, FHA, HELOC	19 +7 HELOCs	1.1%	42.2%	$142,368	View
CODE Credit union 355 W Monument Ave, Dayton, OH 45402 A+5.0 ★Texas Ratio: 4.49%	Conventional, HELOC	16 +1 HELOCs	0.9%	69.6%	$40,000	View
Universal 1 Credit Union Inc. 1 River Park Dr, Dayton, OH 45409 2104 A+5.0 ★Texas Ratio: 5.33%	Conventional, HELOC	9 +6 HELOCs	0.5%	90.9%	$82,777	View
PNC Bank N.A. ★ 1.7 stars, 3 reviews 9 offices in Dayton 312 N Patterson Blvd, Dayton, OH 45402 A+5.0 ★Texas Ratio: 4.24%	Conventional, HELOC	6 +29 HELOCs	0.3%	85.7%	$116,666	View
Old Fort Banking Company 1 office in Dayton 6430 Wilmington Pike, Dayton, OH 45459 A+4.8 ★Texas Ratio: 1.69%	Conventional	5	0.3%	83.3%	$107,000	View
Wesbanco Bank, Inc. 2 offices in Dayton 1243 N Fairfield Rd, Dayton, OH 45432 A+5.0 ★Texas Ratio: 3.87%	FHA, HELOC	2 +1 HELOCs	0.1%	66.7%	$140,000	View
Bank of America NA 2 offices in Dayton 3451 Center Rd, Brunswick, OH 44212 A+5.0 ★Texas Ratio: 4.14%	Conventional, HELOC	2 +1 HELOCs	0.1%	50%	$180,000	View
Lcnb National Bank 1 office in Dayton 2705 Far Hills Ave, Dayton, OH 45419 A+5.0 ★Texas Ratio: 2.05%	Conventional, FHA	2	0.1%	100%	$180,000	View
KH Credit Union 7740 Paragon Rd, Dayton, OH 45459 A+5.0 ★Texas Ratio: 1.33%	Conventional	2	0.1%	100%	$45,000	View
Wright Patt Credit Union Inc 8850 Kingsridge Dr, Dayton, OH 45458 1616 A5.0 ★Texas Ratio: 6.22%	Conventional, FHA, VA, HELOC	195 +94 HELOCs	11.3%	71.7%	$126,179	View
Union Savings Bank 5651 Far Hills Ave, Dayton, OH 45429	Conventional, FHA, VA, HELOC	72 +19 HELOCs	4.2%	94.9%	$126,666
Day Air Credit Union 3434 York Commons Blvd, Dayton, OH 45414 A+5.0 ★Texas Ratio: 4.81%	Conventional, HELOC	60 +22 HELOCs	3.5%	65.3%	$103,500	View
River Valley Credit Union 3927 Indian Ripple Rd, Dayton, OH 45440 3449 A+5.0 ★Texas Ratio: 2.96%	Conventional	14	0.8%	82.4%	$57,857	View
Warsaw Federal Savings and Loan Association 6570 Gracely Dr, Cincinnati, OH 45233 A5.0 ★Texas Ratio: 10.25%	Conventional	8	0.5%	100%	$102,500	View
The Park National Bank 1187 W Ohio Pike, Amelia, OH 45102 A5.0 ★Texas Ratio: 6.62%	Conventional	5	0.3%	55.6%	$165,000	View
Citizens Bank, NA 2147 East Ave, Akron, OH 44314 A+5.0 ★Texas Ratio: 5.44%	Conventional, HELOC	3 +5 HELOCs	0.2%	100%	$168,333	View
The Twin Valley Bank 251 Washington Jackson Rd, Eaton, OH 45320 A+5.0 ★Texas Ratio: 2.86%	Conventional	3	0.2%	100%	$175,000	View
Bridge Credit Union 110 N Main St, Dayton, OH 45402	Conventional, HELOC	2 +5 HELOCs	0.1%	100%	$175,000	View
Third Federal Savings and Loan 35592 Detroit Rd, Avon, OH 44011 A+5.0 ★Texas Ratio: 2.32%	Conventional, HELOC	2 +2 HELOCs	0.1%	28.6%	$210,000	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%	$185,000	View
Buckeye State Bank 101 E Main St, Bainbridge, OH 45612 A+5.0 ★Texas Ratio: 1.93%	Conventional	1	0.1%	100%	$245,000	View
Flagstar Bank NA 1 N Hawkins Ave, Akron, OH 44313 D3.3 ★Texas Ratio: 35.11%	Conventional	1	0.1%	50%	$85,000	View
Merchants National Bank 20 E Stimson Ave, Athens, OH 45701 A+5.0 ★Texas Ratio: 4.14%	Conventional	1	0.1%	100%	$165,000	View
Kemba Credit Union 1135 W Ohio Pike, Amelia, OH 45102 1240 A+5.0 ★Texas Ratio: 3.32%	Conventional	1	0.1%	100%	$205,000	View
Greenville Federal 100 Lease Ave, Greenville, OH 45331 A+5.0 ★Texas Ratio: 5.18%	Conventional	1	0.1%	100%	$85,000	View
The Farmers State Bank 1107 Sweitzer St, Greenville, OH 45331 A+5.0 ★Texas Ratio: 1.79%	Conventional	1	0.1%	100%	$105,000	View
Guardian Savings Bank 11333 Princeton Pike, Cincinnati, OH 45246 A+5.0 ★Texas Ratio: 1.35%	FHA	1	0.1%	50%	$175,000	View
The Savings Bank 501 Long St, Ashville, OH 43103 A+5.0 ★Texas Ratio: 1.59%	Conventional	1	0.1%	100%	$155,000	View
Cme Federal Credit Union 150 E Mound St, Columbus, OH 43215 A+5.0 ★Texas Ratio: 5.42%	Conventional	1	0.1%	100%	$125,000	View
Peoples Bank 158 E Cuyahoga Falls Ave, Akron, OH 44310 A+5.0 ★Texas Ratio: 3.39%	Conventional	1	0.1%	100%	$75,000	View
Kemba Financial Credit Union 1135 W Ohio Pike, Amelia, OH 45102 1240 A+5.0 ★Texas Ratio: 3.32%	Conventional	1	0.1%	100%	$195,000	View
1st National Bank 1095 S Main St, Centerville, OH 45458 A+5.0 ★Texas Ratio: 4.63%	Conventional	1	0.1%	100%	$125,000	View
New Carlisle Federal Savings Bank 400 N Main St, New Carlisle, OH 45344	Conventional	1	0.1%	66.7%	$145,000
General Electric Credit Union 11370 Reed Hartman Hwy, Blue Ash, OH 45241 A5.0 ★Texas Ratio: 6.06%	Conventional	1	0.1%	100%	$135,000	View
Minster Bank 8530 N Dixie Dr, Dayton, OH 45414 A+5.0 ★Texas Ratio: 0.90%	Conventional	1	0.1%	100%	$115,000	View
Superior Credit Union, Inc. 39 Oak St, Amelia, OH 45102 A+5.0 ★Texas Ratio: 0.82%	Conventional	1	0.1%	100%	$75,000	View
Truist Bank ★ 1 stars, 1 review 9511 Kenwood Rd, Blue Ash, OH 45242 A+5.0 ★Texas Ratio: 2.87%	HELOC	0 +1 HELOCs	0%	100%		View
CrossCountry Mortgage, LLC	Conventional, FHA, VA	49	2.8%	98.1%	$175,408
Union Home Mortgage Corp.	Conventional, FHA, VA, HELOC	19 +1 HELOCs	1.1%	100%	$141,842
Treadwell Credit Union A5.0 ★Texas Ratio: 7.47%	Conventional, HELOC	9 +2 HELOCs	0.5%	100%	$55,000	View
Liberty Home Mortgage Corp	Conventional, FHA	8	0.5%	88.9%	$151,250
T2 Financial LLC	Conventional, FHA	5	0.3%	100%	$209,000
Equity Resources Inc	Conventional	3	0.2%	60%	$98,333
The Equitable Mortgage Corporation	Conventional, FHA	3	0.2%	100%	$151,666
Rapid Mortgage Company	Conventional, FHA	3	0.2%	100%	$135,000
Go Mortgage, LLC	Conventional	1	0.1%	100%	$215,000
myCUmortgage	FHA	1	0.1%	50%	$155,000
Rocket Mortgage	Conventional, FHA, VA	120	6.9%	73.5%	$136,166
Mortgage Research Center	Conventional, FHA, VA	66	3.8%	74.7%	$185,606
Fairway Independent Mort Corp	Conventional, FHA, VA	59	3.4%	87%	$100,423
United Wholesale Mortgage	Conventional, FHA, VA, Jumbo	52	3%	81.8%	$191,538
Cornerstone First Mortgage, LLC	Conventional, FHA, VA	51	2.9%	98.1%	$146,960
loanDepot.com LLC	Conventional, FHA, VA, HELOC	44 +1 HELOCs	2.5%	80%	$115,454
Das Acquisition Company, LLC	Conventional, FHA, VA	40	2.3%	98%	$147,000
Nvr Mortgage Finance, Inc.	Conventional, FHA, VA	38	2.2%	60.3%	$217,894
New American Funding, LLC.	Conventional, FHA, HELOC	37 +1 HELOCs	2.1%	80.4%	$118,513
Primelending	Conventional, FHA, VA	31	1.8%	94.4%	$133,387
Freedom Mortgage Corporation	FHA, VA	28	1.6%	86.8%	$193,928
Guaranteed Rate, Inc.	Conventional, FHA, HELOC	25 +1 HELOCs	1.4%	96.2%	$143,800
First Community Mortgage, Inc. A+5.0 ★Texas Ratio: 0.38%	Conventional, FHA, VA	21	1.2%	100%	$151,666	View
Pennymac Loan Services LLC	Conventional, FHA, VA	16	0.9%	63%	$161,250
Nationstar Mortgage	Conventional, FHA, VA	15	0.9%	88.2%	$110,333
Newrez LLC	Conventional, FHA, VA	13	0.8%	53.8%	$133,461
Geneva Financial LLC	Conventional, FHA	12	0.7%	100%	$105,833
Zillow Home Loans, LLC	Conventional, FHA, VA	12	0.7%	100%	$175,833
Navy Federal Credit Union A5.0 ★Texas Ratio: 8.14%	Conventional, VA, HELOC	10 +3 HELOCs	0.6%	84.6%	$168,000
Paramount Residential Mortgage	Conventional, FHA, VA	10	0.6%	100%	$136,000
Ruoff Mortgage Company	Conventional, FHA, VA	9	0.5%	100%	$135,000
Nfm, Inc	Conventional, FHA, VA	9	0.5%	90%	$158,333
Amerisave Mortgage Company	Conventional, FHA	8	0.5%	20%	$73,750
Click n' Close, Inc.	Conventional, FHA	8	0.5%	66.7%	$75,000
VanDyk Mortgage Corporation	Conventional, FHA	8	0.5%	100%	$177,500
Lower, LLC	Conventional, FHA, VA	8	0.5%	80%	$136,250
Primary Residential Mortgage, INC.	Conventional, FHA	7	0.4%	100%	$142,142
Gateway First Bank B+4.8 ★Texas Ratio: 17.16%	Conventional, FHA	7	0.4%	87.5%	$130,714	View
New Day Financial, LLC.	VA	7	0.4%	43.5%	$172,142
The Loan Store, Inc	Conventional, HELOC	6 +1 HELOCs	0.3%	88.9%	$170,000
American Financial Resources LLC	Conventional, FHA	6	0.3%	100%	$188,333
Royal United Mortgage LLC	Conventional, FHA	6	0.3%	66.7%	$81,666
Usaa Federal Savings Bank B-3.5 ★Texas Ratio: 6.80%	Conventional, VA	6	0.3%	60%	$171,666	View
Triad Financial Services, Inc.	Conventional	5	0.3%	26.2%	$55,000
Movement Mortgage, LLC	Conventional, FHA	5	0.3%	100%	$127,000
Direct Mortgage Loans, LLC	Conventional, FHA	5	0.3%	100%	$161,000
American Pacific Mortgage Corporation	Conventional, FHA	5	0.3%	83.3%	$105,000
Tjc Mortgage Inc	Conventional, FHA	5	0.3%	50%	$161,000
Sofi Bank, National Association A+5.0 ★Texas Ratio: 0.51%	Conventional, FHA	5	0.3%	100%	$89,000	View
Leaderone Financial Corp.	Conventional, FHA, VA	5	0.3%	71.4%	$185,000
Village Capital & Investment	FHA, VA	5	0.3%	80%	$263,000
Goodleap, LLC	FHA, VA, HELOC	4 +4 HELOCs	0.2%	62.5%	$122,500
Polaris Home Funding Corp.	Conventional, FHA, VA	4	0.2%	71.4%	$157,500
Envoy Mortgage, Ltd	Conventional, FHA	4	0.2%	83.3%	$147,500
Guild Mortgage Company	Conventional, FHA	4	0.2%	100%	$140,000
Mutual of Omaha Mortgage	Conventional, FHA, VA	4	0.2%	100%	$145,000
Residential Wholesale Mortgage	Conventional	3	0.2%	100%	$131,666
Howard Hanna Financial Services, Inc	Conventional	3	0.2%	100%	$135,000
FirstTrust Home Loans	Conventional	3	0.2%	100%	$165,000
American Financing Corporation	Conventional, FHA	3	0.2%	75%	$95,000
Churchill Mortgage Corporation	Conventional	3	0.2%	100%	$171,666
Barrington Bank & Trust Company, N.A. A+5.0 ★Texas Ratio: 2.20%	Conventional, VA	3	0.2%	75%	$75,000	View
Merchants Bank of Indiana A5.0 ★Texas Ratio: 11.97%	Conventional	3	0.2%	100%	$121,666	View
Carrington Mortgage Services LLC	Conventional, VA	3	0.2%	23.1%	$91,666
Spring Eq, LLC	Conventional, HELOC	2 +1 HELOCs	0.1%	28.6%	$35,000
EMM Loans LLC	Conventional, FHA	2	0.1%	100%	$220,000
MortgageOne, Inc	FHA, VA	2	0.1%	100%	$225,000
Gvc Mortgage, Inc.	Conventional, VA	2	0.1%	100%	$255,000
Equity Prime Mortgage LLC	FHA, VA	2	0.1%	100%	$70,000
American Financial Network, Inc.	FHA	2	0.1%	100%	$155,000
Cmg Mortgage Inc	Conventional	2	0.1%	100%	$210,000
Success Mortgage Partners, Inc	Conventional, FHA	2	0.1%	100%	$175,000
Bayshore Mortgage Funding	Conventional, FHA	2	0.1%	100%	$70,000
Credit Union Mortgage Associat A+5.0 ★Texas Ratio: 3.45%	Conventional	2	0.1%	100%	$125,000	View
Cardinal Financial Company, Li	Conventional, FHA	2	0.1%	100%	$80,000
Luminate Home Loans, Inc. A5.0 ★Texas Ratio: 11.06%	Conventional, FHA	2	0.1%	100%	$150,000	View
First Federal Bank A+5.0 ★Texas Ratio: 1.10%	Conventional, VA	2	0.1%	100%	$235,000	View
Wells Fargo Bank NA A+5.0 ★Texas Ratio: 5.36%	Conventional, FHA	2	0.1%	33.3%	$70,000	View
Stockton Mortgage Corporation	Conventional, FHA	2	0.1%	100%	$125,000
Nexbank A-5.0 ★Texas Ratio: 14.93%	Conventional	2	0.1%	100%	$165,000	View
Nations Direct Mortgage, LLC	Conventional, FHA	2	0.1%	100%	$125,000
Magnolia Bank A-5.0 ★Texas Ratio: 14.97%	Conventional, VA	2	0.1%	100%	$175,000	View
21St Mortgage	Conventional	2	0.1%	10.7%	$20,000
Ark-La-Tex Financial Services LLC	Conventional, FHA	2	0.1%	100%	$185,000
Tomo Mortgage LLC	Conventional	2	0.1%	100%	$105,000
Better Mortgage Corporation	Conventional, HELOC	1 +1 HELOCs	0.1%	33.3%	$255,000
Northern Mortgage Services, LLC A5.0 ★Texas Ratio: 8.01%	FHA	1	0.1%	100%	$165,000	View
Alliant Credit Union A+5.0 ★Texas Ratio: 3.22%	VA	1	0.1%	100%	$175,000	View
A&D Mortgage LLC A+5.0 ★Texas Ratio: 4.11%	Conventional	1	0.1%	100%	$145,000	View
Premia Mortgage, LLC A5.0 ★Texas Ratio: 13.21%	FHA	1	0.1%	100%	$175,000	View
Guaranteed Rate Affinity, LLC	VA	1	0.1%	50%	$195,000
Servion	FHA	1	0.1%	100%	$45,000
Sage Home Loans Corporation	Conventional	1	0.1%	100%	$145,000
Guidance Residential, LLC	Conventional	1	0.1%	100%	$145,000
AmeriHome Mortgage Company, LLC	FHA	1	0.1%	33.3%	$185,000
Loanunited.Com, LLC	FHA	1	0.1%	100%	$105,000
Home Mortgage Alliance Corp (Hmac)	Conventional	1	0.1%	100%	$155,000
Eustis Mortgage Corp	Conventional	1	0.1%	100%	$85,000
Vantage West Credit Union	Conventional	1	0.1%	100%	$295,000
Primis Bank A5.0 ★Texas Ratio: 13.21%	Conventional	1	0.1%	100%	$175,000	View
Ocmbc, Inc. A+5.0 ★Texas Ratio: 5.05%	Conventional	1	0.1%	100%	$325,000	View
Discover Bank	Conventional	1	0.1%	8.3%	$55,000
Sun West Mortgage Company, Inc	Conventional	1	0.1%	100%	$95,000
Oceanside Mortgage Company	FHA	1	0.1%	100%	$95,000
Lending Capital Group, Inc A-5.0 ★Texas Ratio: 15.49%	Conventional	1	0.1%	100%	$275,000	View
Strong Home Mortgage, LLC	Conventional	1	0.1%	100%	$115,000
Kwik Mortgage Corporation	FHA	1	0.1%	100%	$165,000
Greenbox Loans	Conventional	1	0.1%	100%	$105,000
Bokf NA A+5.0 ★Texas Ratio: 1.05%	Conventional	1	0.1%	100%	$155,000	View
Hawthorn Bank A+5.0 ★Texas Ratio: 3.36%	Conventional	1	0.1%	100%	$115,000	View
First National Bank Texas A4.7 ★Texas Ratio: 3.20%	FHA	1	0.1%	100%	$155,000	View
Planet Home Lending, LLC	VA	1	0.1%	50%	$175,000
Provident Funding Associates	Conventional	1	0.1%	50%	$255,000
Greenway Mortgage Funding Corp.	FHA	1	0.1%	100%	$165,000
BoxCar Mortgage, LLC	FHA	1	0.1%	100%	$115,000
Eclipse Bank Inc A+5.0 ★Texas Ratio: 3.43%	Conventional	1	0.1%	100%	$225,000	View
First Ciitizens Bank and Trust A5.0 ★Texas Ratio: 7.72%	Conventional	1	0.1%	100%	$285,000	View
Milend, Inc	VA	1	0.1%	100%	$365,000
Digital Federal Credit Union	Conventional	1	0.1%	100%	$35,000
Mortgage Solutions of Colorado	FHA	1	0.1%	100%	$65,000
Citadel Servicing Corporation	Conventional	1	0.1%	100%	$185,000
Victory Mortgage, LLC	Conventional	1	0.1%	100%	$145,000
Lafcu	Conventional	1	0.1%	100%	$325,000
Morgan Stanley Private Bank NA A4.8 ★Texas Ratio: 2.45%	Conventional	1	0.1%	100%	$215,000	View
United Nations Federal CU	Conventional	1	0.1%	100%	$265,000
Reliance First Capital, LLC	FHA	1	0.1%	100%	$95,000
Flanagan State Bank A4.7 ★Texas Ratio: 2.58%	FHA	1	0.1%	100%	$155,000	View
Plaza Home Mortgage, Inc	Conventional	1	0.1%	100%	$195,000
Top Flite Financial, Inc.	FHA	1	0.1%	50%	$175,000
Southwest Funding LP	Conventional	1	0.1%	100%	$185,000
American Neighborhood Mortgage Acceptance Company	FHA	1	0.1%	100%	$225,000
Figure Lending LLC	HELOC	0 +26 HELOCs	0%	n/a
Coastal Community Bank B4.5 ★Texas Ratio: 20.96%	HELOC	0 +7 HELOCs	0%	n/a		View
Lendage, LLC dba Achieve Loans	HELOC	0 +4 HELOCs	0%	n/a
Valon Mortgage	HELOC	0 +2 HELOCs	0%	n/a
Signature Federal Credit Union A+5.0 ★Texas Ratio: 5.37%	HELOC	0 +1 HELOCs	0%	n/a		View
HomeBridge Financial Services, Inc	HELOC	0 +1 HELOCs	0%	n/a
Pentagon Federal Credit Union	HELOC	0 +1 HELOCs	0%	0%

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.

Dayton 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 Dayton, Ohio

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

Types of Mortgage Lenders in Dayton, OH

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

Mortgage companies and brokers 105 lenders. Nonbank lenders and brokers that shop several wholesale lenders; often the fastest closings Banks 52 lenders. Local and national banks with branches, portfolio and jumbo loans, and an MBR health grade Credit unions 23 lenders. Member owned, often lower fees and flexible underwriting for members FHA lenders 87 lenders. 3.5 percent down and credit scores into the 500s; the usual route for bad credit or low down payment buyers VA lenders 45 lenders. No down payment and no mortgage insurance for eligible veterans and service members Jumbo lenders 1 lenders. Loans above the conforming limit for higher priced homes Local lenders based in OH 45 lenders headquartered in Ohio, the closest thing to a mortgage lender near you

Who Lends in Dayton, OH

Independent mortgage companies closed 54.6 percent of home loans in Dayton, Ohio in 2025, banks 26.3 percent and credit unions 19 percent. CrossCountry Mortgage, LLC was the largest mortgage company, Huntington National Bank the largest bank and CODE Credit union the largest credit union. Among lenders headquartered in Ohio, Huntington National Bank led with 95 loans.

54.6%

Mortgage companies

26.3%

Banks

19%

Credit unions

23%

FHA loans

12%

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 Cincinnati 249 lenders Toledo 190 lenders Cleveland 203 lenders Akron 189 lenders Delaware 201 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 Dayton, OH

Who is the largest mortgage lender in Dayton, OH?

By home loans closed in 2025, Huntington National Bank was the largest mortgage lender in Dayton, Ohio with 95 loans, about 5.5 percent of the market. Source: Home Mortgage Disclosure Act data for 2025, published by the FFIEC and CFPB.

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

Among lenders with meaningful volume in Dayton, Ohio, Cornerstone First Mortgage, LLC approved the highest share of completed applications in 2025 at 98.1 percent, against a 75.4 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 Dayton, OH mortgage lenders offer FHA, VA and USDA loans?

87 lenders closed FHA loans in Dayton, Ohio in 2025, led by Rocket Mortgage with 36. 45 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 Dayton, OH lender list?

Yes. 52 banks and 23 credit unions closed home loans in Dayton, Ohio in 2025, alongside 105 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 Dayton, OH ranked on this page?

Lenders are ranked only by the number of home loans they closed in Dayton, 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 Dayton, 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 Dayton. 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.