Mortgage Lenders and Brokers in Fairborn, Ohio
Brian McKay
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iEditorial Disclosure
Editorial DisclosureLender lists come from federal HMDA loan data. Average rates come from our daily monitoring network. Editorial content is independent of any advertiser relationships.
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✓Fact Checked
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Loan Rates Last Updated and Verified: October 7, 2026
Fairborn, Ohio mortgage lenders include US Bank, N.A.US Bank, N.A.1161 E Dayton Yellow Springs Rd, Fairborn, OH 45324A+5.0 ★Texas Ratio: 2.85%, Fifth Third Bank, National AssociationFifth Third Bank, National Association1095 E Dayton Yellow Springs Rd, Fairborn, OH 45324A+5.0 ★Texas Ratio: 3.22%, Wesbanco Bank, Inc.Wesbanco Bank, Inc.7601 Dayton Springfield Rd, Fairborn, OH 45324A+5.0 ★Texas Ratio: 3.87%, Wright Patt Credit Union IncWright Patt Credit Union Inc1298 E Dayton Yellow Springs Rd, Fairborn, OH 45324A5.0 ★Texas Ratio: 6.22%, Union Savings BankUnion Savings Bank2794 Colonel Glenn Hwy, Fairborn, OH 45324, Huntington National BankHuntington National Bank3421 Ridgewood Rd, Akron, OH 44333A+5.0 ★Texas Ratio: 3.66%, Day Air Credit UnionDay Air Credit Union2089 Dayton Xenia Rd, Beavercreek, OH 45434 7156A+5.0 ★Texas Ratio: 4.81%, JPMorgan Chase Bank, NAJPMorgan Chase Bank, NA1249 Canton Rd, Akron, OH 44312A+5.0 ★Texas Ratio: 3.68%, Third Federal Savings and LoanThird Federal Savings and Loan35592 Detroit Rd, Avon, OH 44011A+5.0 ★Texas Ratio: 2.32%, and PNC Bank N.A.PNC Bank N.A.35 Montrose West Ave, Akron, OH 44321A+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 Fairborn, Ohio in 2025, as reported under the federal Home Mortgage Disclosure Act. No lender pays for a higher spot. Lenders based in Fairborn 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 Fairborn, Ohio
Market share is the lender's share of all home loans closed in Fairborn, 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 |
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1 office in Fairborn 1161 E Dayton Yellow Springs Rd, Fairborn, OH 45324 A+5.0 ★Texas Ratio: 2.85% |
Conventional, VA, HELOC | 17 +6 HELOCs |
2.3% | 85% | $162,058 | View |
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1 office in Fairborn 1095 E Dayton Yellow Springs Rd, Fairborn, OH 45324 A+5.0 ★Texas Ratio: 3.22% |
Conventional, HELOC | 13 +16 HELOCs |
1.8% | 72.2% | $99,615 | View |
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1 office in Fairborn 7601 Dayton Springfield Rd, Fairborn, OH 45324 A+5.0 ★Texas Ratio: 3.87% |
Conventional, HELOC | 1 +2 HELOCs |
0.1% | 100% | $165,000 | View |
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1298 E Dayton Yellow Springs Rd, Fairborn, OH 45324 A5.0 ★Texas Ratio: 6.22% |
Conventional, FHA, VA, HELOC | 107 +46 HELOCs |
14.7% | 80.4% | $170,514 | View |
Union Savings Bank
2794 Colonel Glenn Hwy, Fairborn, OH 45324 |
Conventional, FHA, VA, HELOC | 28 +5 HELOCs |
3.9% | 93.5% | $231,428 | |
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3421 Ridgewood Rd, Akron, OH 44333 A+5.0 ★Texas Ratio: 3.66% |
Conventional, FHA, VA, HELOC | 20 +9 HELOCs |
2.8% | 90.9% | $200,500 | View |
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2089 Dayton Xenia Rd, Beavercreek, OH 45434 7156 A+5.0 ★Texas Ratio: 4.81% |
Conventional, HELOC | 9 +1 HELOCs |
1.2% | 62.5% | $95,000 | View |
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1249 Canton Rd, Akron, OH 44312 A+5.0 ★Texas Ratio: 3.68% |
Conventional | 6 | 0.8% | 85.7% | $155,000 | View |
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35592 Detroit Rd, Avon, OH 44011 A+5.0 ★Texas Ratio: 2.32% |
Conventional, HELOC | 4 +1 HELOCs |
0.6% | 100% | $97,500 | View |
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★ 1.7 stars, 3 reviews 35 Montrose West Ave, Akron, OH 44321 A+5.0 ★Texas Ratio: 4.24% |
Conventional, HELOC | 3 +3 HELOCs |
0.4% | 100% | $188,333 | View |
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2450 Esquire Dr, Beavercreek, OH 45431 2573 A+5.0 ★Texas Ratio: 5.33% |
Conventional, HELOC | 3 +2 HELOCs |
0.4% | 100% | $181,666 | View |
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2147 East Ave, Akron, OH 44314 A+5.0 ★Texas Ratio: 5.44% |
Conventional, FHA, HELOC | 3 +1 HELOCs |
0.4% | 100% | $271,666 | View |
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238 State St, Bettsville, OH 44815 A+4.8 ★Texas Ratio: 1.69% |
Conventional | 3 | 0.4% | 80% | $148,333 | View |
New Carlisle Federal Savings Bank
400 N Main St, New Carlisle, OH 45344 |
Conventional | 3 | 0.4% | 100% | $258,333 | |
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1100 US Highway 52, Aberdeen, OH 45101 9377 A5.0 ★Texas Ratio: 6.10% |
Conventional | 2 | 0.3% | 100% | $290,000 | View |
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1095 S Main St, Centerville, OH 45458 A+5.0 ★Texas Ratio: 4.63% |
Conventional | 2 | 0.3% | 100% | $320,000 | View |
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4916 National Rd, Clayton, OH 45315 A+5.0 ★Texas Ratio: 4.49% |
Conventional | 2 | 0.3% | 100% | $90,000 | View |
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3983 Medina Rd, Akron, OH 44333 A+5.0 ★Texas Ratio: 4.81% |
Conventional | 1 | 0.1% | 100% | $105,000 | View |
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20 E Stimson Ave, Athens, OH 45701 A+5.0 ★Texas Ratio: 4.14% |
Conventional | 1 | 0.1% | 100% | $215,000 | View |
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1464 N Fairfield Rd, Beavercreek, OH 45432 2638 A+5.0 ★Texas Ratio: 5.64% |
Conventional | 1 | 0.1% | 100% | $165,000 | View |
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3927 Indian Ripple Rd, Dayton, OH 45440 3449 A+5.0 ★Texas Ratio: 2.96% |
Conventional | 1 | 0.1% | 50% | $15,000 | View |
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★ 1 stars, 1 review 9511 Kenwood Rd, Blue Ash, OH 45242 A+5.0 ★Texas Ratio: 2.87% |
Conventional | 1 | 0.1% | 100% | $315,000 | View |
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8530 N Dixie Dr, Dayton, OH 45414 A+5.0 ★Texas Ratio: 0.90% |
Conventional | 1 | 0.1% | 100% | $285,000 | View |
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2923 Smith Rd, Akron, OH 44333 A+5.0 ★Texas Ratio: 3.21% |
HELOC | 0 +2 HELOCs |
0% | 0% | View | |
CrossCountry Mortgage, LLC
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Conventional, FHA, VA, HELOC | 30 +1 HELOCs |
4.1% | 100% | $203,000 | |
Union Home Mortgage Corp.
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Conventional, FHA, VA, HELOC | 7 +1 HELOCs |
1% | 77.8% | $206,428 | |
Liberty Home Mortgage Corp
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Conventional, FHA | 3 | 0.4% | 100% | $105,000 | |
Equity Resources Inc
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VA | 1 | 0.1% | 100% | $225,000 | |
The Equitable Mortgage Corporation
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FHA | 1 | 0.1% | 100% | $175,000 | |
Victory Mortgage, LLC
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Conventional, FHA, VA | 49 | 6.7% | 98% | $281,938 | |
Rocket Mortgage
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Conventional, FHA, VA | 46 | 6.3% | 88.7% | $158,695 | |
United Wholesale Mortgage
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Conventional, FHA, VA | 37 | 5.1% | 97.5% | $263,378 | |
Nvr Mortgage Finance, Inc.
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Conventional, FHA, VA | 36 | 5% | 94.7% | $354,444 | |
Mortgage Research Center
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Conventional, VA | 30 | 4.1% | 73.2% | $267,000 | |
Cornerstone First Mortgage, LLC
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Conventional, FHA, VA | 22 | 3% | 100% | $169,545 | |
Freedom Mortgage Corporation
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Conventional, FHA, VA | 20 | 2.8% | 100% | $240,000 | |
Primelending
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Conventional, FHA, VA | 16 | 2.2% | 100% | $223,750 | |
loanDepot.com LLC
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Conventional, FHA, VA, HELOC | 15 +3 HELOCs |
2.1% | 93.8% | $119,666 | |
Pennymac Loan Services LLC
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Conventional, FHA, VA | 13 | 1.8% | 82.4% | $251,923 | |
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A5.0 ★Texas Ratio: 8.14% |
Conventional, VA, HELOC | 10 +2 HELOCs |
1.4% | 100% | $231,000 | |
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A+5.0 ★Texas Ratio: 0.38% |
Conventional, FHA, VA | 9 | 1.2% | 100% | $221,666 | View |
Das Acquisition Company, LLC
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Conventional, FHA, VA | 9 | 1.2% | 100% | $190,555 | |
Newrez LLC
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Conventional, FHA, VA | 7 | 1% | 61.5% | $193,571 | |
New American Funding, LLC.
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Conventional, FHA | 7 | 1% | 70% | $143,571 | |
Guaranteed Rate, Inc.
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Conventional, VA | 6 | 0.8% | 100% | $175,000 | |
Nationstar Mortgage
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Conventional, FHA, VA | 6 | 0.8% | 60% | $160,000 | |
Lakeview Loan Servicing, LLC
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Conventional, VA | 5 | 0.7% | 66.7% | $217,000 | |
Amerisave Mortgage Company
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Conventional, FHA | 5 | 0.7% | 55.6% | $71,000 | |
VanDyk Mortgage Corporation
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Conventional, VA | 5 | 0.7% | 100% | $217,000 | |
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B-3.5 ★Texas Ratio: 6.80% |
VA | 5 | 0.7% | 85.7% | $285,000 | View |
American Pacific Mortgage Corporation
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Conventional, FHA, VA | 5 | 0.7% | 100% | $309,000 | |
Fairway Independent Mort Corp
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Conventional, FHA | 5 | 0.7% | 100% | $187,000 | |
Pentagon Federal Credit Union
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Conventional, VA, HELOC | 4 +1 HELOCs |
0.6% | 66.7% | $270,000 | |
Triad Financial Services, Inc.
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Conventional | 4 | 0.6% | 75% | $112,500 | |
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B+4.8 ★Texas Ratio: 17.16% |
Conventional, FHA, VA | 4 | 0.6% | 100% | $187,500 | View |
Planet Home Lending, LLC
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FHA, VA | 4 | 0.6% | 100% | $335,000 | |
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A+5.0 ★Texas Ratio: 0.51% |
Conventional | 4 | 0.6% | 100% | $127,500 | View |
Primary Residential Mortgage, INC.
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Conventional | 3 | 0.4% | 100% | $215,000 | |
American Financial Network, Inc.
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Conventional, FHA | 3 | 0.4% | 100% | $111,666 | |
Nfm, Inc
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Conventional, FHA | 3 | 0.4% | 100% | $178,333 | |
New Day Financial, LLC.
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VA | 3 | 0.4% | 75% | $158,333 | |
Gvc Mortgage, Inc.
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Conventional, VA | 2 | 0.3% | 100% | $210,000 | |
Equity Prime Mortgage LLC
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FHA, VA | 2 | 0.3% | 66.7% | $210,000 | |
Howard Hanna Financial Services, Inc
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Conventional, FHA | 2 | 0.3% | 100% | $215,000 | |
Lower, LLC
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FHA, VA | 2 | 0.3% | 100% | $190,000 | |
Carrington Mortgage Services LLC
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Conventional | 2 | 0.3% | 33.3% | $45,000 | |
Village Capital & Investment
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FHA, VA | 2 | 0.3% | 60% | $255,000 | |
Goodleap, LLC
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FHA, HELOC | 1 +1 HELOCs |
0.1% | 50% | $145,000 | |
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A5.0 ★Texas Ratio: 8.01% |
FHA | 1 | 0.1% | 100% | $255,000 | View |
Ruoff Mortgage Company
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Conventional | 1 | 0.1% | 100% | $285,000 | |
Guaranteed Rate Affinity, LLC
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Conventional | 1 | 0.1% | 100% | $435,000 | |
American Financial Resources LLC
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FHA | 1 | 0.1% | 100% | $105,000 | |
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A-4.9 ★Texas Ratio: 16.48% |
VA | 1 | 0.1% | 100% | $585,000 | View |
Nbkc Bank
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VA | 1 | 0.1% | 100% | $445,000 | |
Guidance Residential, LLC
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Conventional | 1 | 0.1% | 100% | $425,000 | |
AmeriHome Mortgage Company, LLC
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FHA | 1 | 0.1% | 100% | $255,000 | |
Movement Mortgage, LLC
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VA | 1 | 0.1% | 100% | $335,000 | |
United Trust Bank
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VA | 1 | 0.1% | 100% | $275,000 | |
AdvantageFirst Lending Inc
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VA | 1 | 0.1% | 50% | $245,000 | |
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A5.0 ★Texas Ratio: 13.21% |
VA | 1 | 0.1% | 100% | $355,000 | View |
HomeBridge Financial Services, Inc
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VA | 1 | 0.1% | 100% | $195,000 | |
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A+5.0 ★Texas Ratio: 0.26% |
VA | 1 | 0.1% | 100% | $505,000 | View |
Discover Bank
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Conventional | 1 | 0.1% | 28.6% | $215,000 | |
American Financing Corporation
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Conventional | 1 | 0.1% | 100% | $55,000 | |
ClearPath Lending
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VA | 1 | 0.1% | 100% | $145,000 | |
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A+5.0 ★Texas Ratio: 1.05% |
FHA | 1 | 0.1% | 50% | $125,000 | View |
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A5.0 ★Texas Ratio: 11.06% |
Conventional | 1 | 0.1% | 100% | $195,000 | View |
Churchill Mortgage Corporation
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Conventional | 1 | 0.1% | 100% | $385,000 | |
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A+5.0 ★Texas Ratio: 5.36% |
Conventional | 1 | 0.1% | 100% | $65,000 | View |
Geneva Financial LLC
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Conventional | 1 | 0.1% | 100% | $205,000 | |
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A-4.8 ★Texas Ratio: 12.33% |
Conventional | 1 | 0.1% | 100% | $305,000 | View |
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B4.6 ★Texas Ratio: 20.37% |
Conventional | 1 | 0.1% | 100% | $535,000 | View |
Member First Mortgage, LLC
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Conventional | 1 | 0.1% | 100% | $195,000 | |
Better Mortgage Corporation
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Conventional | 1 | 0.1% | 50% | $195,000 | |
Pike Creek Mortgage Services, Inc.
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Conventional | 1 | 0.1% | 100% | $195,000 | |
V.I.P. Mortgage, Inc.
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Conventional | 1 | 0.1% | 100% | $125,000 | |
Zillow Home Loans, LLC
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Conventional | 1 | 0.1% | 100% | $135,000 | |
Mutual of Omaha Mortgage
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VA | 1 | 0.1% | 100% | $185,000 | |
The Loan Store, Inc
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Conventional | 1 | 0.1% | 100% | $215,000 | |
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A5.0 ★Texas Ratio: 11.97% |
Conventional | 1 | 0.1% | 100% | $325,000 | View |
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A+5.0 ★Texas Ratio: 2.14% |
FHA | 1 | 0.1% | 100% | $135,000 | View |
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A5.0 ★Texas Ratio: 11.81% |
Conventional | 1 | 0.1% | 100% | $275,000 | View |
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B+4.8 ★Texas Ratio: 16.98% |
VA | 1 | 0.1% | 100% | $275,000 | View |
21St Mortgage
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Conventional | 1 | 0.1% | 50% | $185,000 | |
Paramount Residential Mortgage
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Conventional | 1 | 0.1% | 100% | $125,000 | |
Tomo Mortgage LLC
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Conventional | 1 | 0.1% | 100% | $215,000 | |
Champions Funding, LLC
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Conventional | 1 | 0.1% | 100% | $175,000 | |
American Neighborhood Mortgage Acceptance Company
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Conventional | 1 | 0.1% | 100% | $155,000 | |
Figure Lending LLC
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HELOC | 0 +8 HELOCs |
0% | n/a | ||
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B4.5 ★Texas Ratio: 20.96% |
HELOC | 0 +4 HELOCs |
0% | n/a | View | |
Lendage, LLC dba Achieve Loans
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HELOC | 0 +3 HELOCs |
0% | n/a | ||
Spring Eq, LLC
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HELOC | 0 +1 HELOCs |
0% | 0% |
Fairborn Mortgage Rate Trends
Daily average mortgage rates for Ohio compared with the national average, updated every evening.
Mortgage Lenders and Mortgage Brokers Near Me in Fairborn, Ohio
Looking for mortgage lenders near me or mortgage brokers near me in Fairborn? The list below shows the banks, credit unions and mortgage brokers that closed home loans in Fairborn in 2025, with lenders based there listed first.
Types of Mortgage Lenders in Fairborn, OH
Use these to narrow the list above. Each category shows how many Fairborn, OH lenders fit and what that kind of lender is usually best for.
Who Lends in Fairborn, OH
Independent mortgage companies closed 59 percent of home loans in Fairborn, Ohio in 2025, banks 21.9 percent and credit unions 19.1 percent. CrossCountry Mortgage, LLC was the largest mortgage company, US Bank, N.A. the largest bank and Wright Patt Credit Union Inc the largest credit union. Among lenders headquartered in Ohio, US Bank, N.A. led with 17 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
Frequently Asked Questions About Mortgage Lenders in Fairborn, OH
By home loans closed in 2025, US Bank, N.A. was the largest mortgage lender in Fairborn, Ohio with 17 loans, about 2.3 percent of the market. Source: Home Mortgage Disclosure Act data for 2025, published by the FFIEC and CFPB.
Among lenders with meaningful volume in Fairborn, Ohio, Wright Patt Credit Union Inc approved the highest share of completed applications in 2025 at 80.4 percent, against a 85.9 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.
39 lenders closed FHA loans in Fairborn, Ohio in 2025, led by Rocket Mortgage with 12. 46 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.
Yes. 37 banks and 9 credit unions closed home loans in Fairborn, Ohio in 2025, alongside 66 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.
Lenders are ranked only by the number of home loans they closed in Fairborn, 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 Fairborn, 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 Fairborn. 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.
