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Mortgage Lenders and Brokers in Fairfield, Ohio

Content reviewed by

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

Fairfield, Ohio mortgage lenders include Fifth Third Bank, National AssociationFifth Third Bank, National Association580 Wessel Dr, Fairfield, OH 45014A+5.0 ★Texas Ratio: 3.22%, US Bank, N.A.US Bank, N.A.6550 Dixie Hwy, Fairfield, OH 45014A+5.0 ★Texas Ratio: 2.85%, First Financial BankFirst Financial Bank6060 S Gilmore Rd, Fairfield, OH 45014A+5.0 ★Texas Ratio: 3.21%, AurGroup Financial Credit UnionAurGroup Financial Credit Union8811 Holden Blvd, Fairfield, OH 45014A+5.0 ★Texas Ratio: 2.46%, JPMorgan Chase Bank, NAJPMorgan Chase Bank, NA5200 Pleasant Ave, Fairfield, OH 45014A+5.0 ★Texas Ratio: 3.68%, PNC Bank N.A.PNC Bank N.A.5333 Pleasant Ave, Fairfield, OH 45014A+5.0 ★Texas Ratio: 4.24%, Lcnb National BankLcnb National Bank765 Nilles Rd, Fairfield, OH 45014A+5.0 ★Texas Ratio: 2.05%, Keybank National AssociationKeybank National Association5000 Dixie Hwy, Fairfield, OH 45014A+5.0 ★Texas Ratio: 4.81%, Union Savings BankUnion Savings Bank721 Wessel Dr, Fairfield, OH 45014, and Huntington National BankHuntington National Bank3421 Ridgewood Rd, Akron, OH 44333A+5.0 ★Texas Ratio: 3.66%. 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 Fairfield, Ohio in 2025, as reported under the federal Home Mortgage Disclosure Act. No lender pays for a higher spot. Lenders based in Fairfield 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 Fairfield, Ohio

Market share is the lender's share of all home loans closed in Fairfield, 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
Fifth Third Bank, National Association 4 offices in Fairfield 580 Wessel Dr, Fairfield, OH 45014 A+5.0 ★Texas Ratio: 3.22%	Conventional, FHA, HELOC	39 +66 HELOCs	4.7%	78.4%	$194,487	View
US Bank, N.A. 2 offices in Fairfield 6550 Dixie Hwy, Fairfield, OH 45014 A+5.0 ★Texas Ratio: 2.85%	Conventional, FHA, HELOC	25 +18 HELOCs	3%	65%	$205,000	View
First Financial Bank 3 offices in Fairfield 6060 S Gilmore Rd, Fairfield, OH 45014 A+5.0 ★Texas Ratio: 3.21%	Conventional, HELOC	19 +26 HELOCs	2.3%	82.6%	$142,368	View
AurGroup Financial Credit Union 8811 Holden Blvd, Fairfield, OH 45014 A+5.0 ★Texas Ratio: 2.46%	Conventional	15	1.8%	93.8%	$73,666	View
JPMorgan Chase Bank, NA 1 office in Fairfield 5200 Pleasant Ave, Fairfield, OH 45014 A+5.0 ★Texas Ratio: 3.68%	Conventional, FHA, VA	13	1.6%	92.9%	$258,846	View
PNC Bank N.A. ★ 1.7 stars, 3 reviews 2 offices in Fairfield 5333 Pleasant Ave, Fairfield, OH 45014 A+5.0 ★Texas Ratio: 4.24%	Conventional, HELOC	5 +24 HELOCs	0.6%	83.3%	$179,000	View
Lcnb National Bank 1 office in Fairfield 765 Nilles Rd, Fairfield, OH 45014 A+5.0 ★Texas Ratio: 2.05%	Conventional	2	0.2%	100%	$270,000	View
Keybank National Association 1 office in Fairfield 5000 Dixie Hwy, Fairfield, OH 45014 A+5.0 ★Texas Ratio: 4.81%	Conventional, HELOC	1 +1 HELOCs	0.1%	50%	$335,000	View
Union Savings Bank 721 Wessel Dr, Fairfield, OH 45014	Conventional, FHA, HELOC	27 +16 HELOCs	3.2%	96.7%	$229,074
Huntington National Bank 3421 Ridgewood Rd, Akron, OH 44333 A+5.0 ★Texas Ratio: 3.66%	Conventional, FHA, HELOC	16 +22 HELOCs	1.9%	80%	$251,250	View
Third Federal Savings and Loan 35592 Detroit Rd, Avon, OH 44011 A+5.0 ★Texas Ratio: 2.32%	Conventional, HELOC	14 +18 HELOCs	1.7%	77.8%	$190,714	View
Telhio Credit Union, Inc. 950 Deis Dr, Fairfield, OH 45014 8128 A-4.9 ★Texas Ratio: 15.81%	Conventional, HELOC	14 +7 HELOCs	1.7%	100%	$102,142	View
General Electric Credit Union 5370 Dixie Hwy, Fairfield, OH 45014 4124 A5.0 ★Texas Ratio: 6.06%	Conventional, HELOC	11 +16 HELOCs	1.3%	100%	$218,636	View
Guardian Savings Bank 11333 Princeton Pike, Cincinnati, OH 45246 A+5.0 ★Texas Ratio: 1.35%	Conventional, HELOC	11 +4 HELOCs	1.3%	92.3%	$268,636	View
Wright Patt Credit Union Inc 1506 N Fairfield Rd, Beavercreek, OH 45432 2737 A5.0 ★Texas Ratio: 6.22%	Conventional, HELOC	7 +5 HELOCs	0.8%	63.6%	$99,285	View
Kemba Credit Union 1135 W Ohio Pike, Amelia, OH 45102 1240 A+5.0 ★Texas Ratio: 3.32%	Conventional, HELOC	6 +6 HELOCs	0.7%	75%	$163,333	View
Warsaw Federal Savings and Loan Association 6570 Gracely Dr, Cincinnati, OH 45233 A5.0 ★Texas Ratio: 10.25%	Conventional	5	0.6%	100%	$185,000	View
Sharefax Credit Union ★ 5 stars, 1 review 1147 OLD STATE ROUTE 74, BATAVIA, OH 45103 A5.0 ★Texas Ratio: 7.78%	Conventional	4	0.5%	57.1%	$157,500	View
1st National Bank 1095 S Main St, Centerville, OH 45458 A+5.0 ★Texas Ratio: 4.63%	Conventional	4	0.5%	100%	$257,500	View
Republic Bank & Trust 4030 Smith Rd, Cincinnati, OH 45209 A+5.0 ★Texas Ratio: 2.91%	Conventional	4	0.5%	100%	$67,500	View
Wesbanco Bank, Inc. 112 E Liberty St, Arlington, OH 45814 A+5.0 ★Texas Ratio: 3.87%	Conventional, FHA, HELOC	3 +2 HELOCs	0.4%	75%	$378,333	View
Cincinnati Ohio Police Federal Credit Union 9300 Kenwood Rd, Blue Ash, OH 45242 6826 A5.0 ★Texas Ratio: 10.75%	Conventional	3	0.4%	100%	$78,333
Cinfed Federal Credit Union 550 Main St, Cincinnati, OH 45202 A+5.0 ★Texas Ratio: 2.00%	Conventional, HELOC	2 +5 HELOCs	0.2%	100%	$140,000	View
North Side Bank & Trust Company 633 Anderson Ferry Rd, Cincinnati, OH 45238 A+5.0 ★Texas Ratio: 0.73%	Conventional, HELOC	2 +1 HELOCs	0.2%	100%	$80,000	View
Somerville Bank ★ 5 stars, 1 review 4 S Main St, Camden, OH 45311 A5.0 ★Texas Ratio: 9.58%	Conventional	2	0.2%	100%	$120,000	View
German American Bank 7755 Montgomery Rd, Cincinnati, OH 45236 A+5.0 ★Texas Ratio: 1.93%	Conventional, FHA	2	0.2%	100%	$285,000	View
Citizens Bank, NA 2147 East Ave, Akron, OH 44314 A+5.0 ★Texas Ratio: 5.44%	FHA, HELOC	1 +5 HELOCs	0.1%	100%	$205,000	View
Superior Credit Union, Inc. 39 Oak St, Amelia, OH 45102 A+5.0 ★Texas Ratio: 0.82%	Conventional, HELOC	1 +1 HELOCs	0.1%	50%	$295,000	View
Bank of America NA 3451 Center Rd, Brunswick, OH 44212 A+5.0 ★Texas Ratio: 4.14%	Conventional	1	0.1%	100%	$175,000	View
Spring Valley Bank 1206 Springfield Pike, Wyoming, OH 45215 A+5.0 ★Texas Ratio: 1.15%	Conventional	1	0.1%	100%	$165,000	View
Riverhills Bank 1719 W Ohio Pike, Amelia, OH 45102 A+5.0 ★Texas Ratio: 0.96%	Conventional	1	0.1%	100%	$215,000	View
Truist Bank ★ 1 stars, 1 review 9511 Kenwood Rd, Blue Ash, OH 45242 A+5.0 ★Texas Ratio: 2.87%	Conventional	1	0.1%	100%	$245,000	View
Valley Central Bank 6550 Princeton Glendale Rd, Liberty Township, OH 45011 A5.0 ★Texas Ratio: 8.10%	Conventional	1	0.1%	100%	$155,000	View
First Commonwealth Bank 4200 Park Ave, Ashtabula, OH 44004 A+5.0 ★Texas Ratio: 3.82%	HELOC	0 +2 HELOCs	0%	n/a		View
Peoples Bank 158 E Cuyahoga Falls Ave, Akron, OH 44310 A+5.0 ★Texas Ratio: 3.39%	HELOC	0 +1 HELOCs	0%	n/a		View
Civista Bank 529 N Cleveland Massillon Rd, Akron, OH 44333 A+5.0 ★Texas Ratio: 4.72%	HELOC	0 +1 HELOCs	0%	0%		View
Union Home Mortgage Corp.	Conventional, FHA, VA, HELOC	26 +1 HELOCs	3.1%	92.9%	$241,538
CrossCountry Mortgage, LLC	Conventional, FHA, VA, HELOC	18 +4 HELOCs	2.2%	100%	$282,222
Sibcy Cline Mortgage Services, Inc.	Conventional	11	1.3%	84.6%	$243,181
Rapid Mortgage Company	Conventional, FHA, VA	5	0.6%	100%	$253,000
T2 Financial LLC	Conventional, FHA, VA	4	0.5%	80%	$300,000
3rd Street Financial Corp	Conventional	3	0.4%	100%	$328,333
myCUmortgage	FHA	2	0.2%	100%	$290,000
M/I Financial. LLC	FHA	1	0.1%	100%	$485,000
The Harrison Building & Loan	Conventional, Jumbo	1	0.1%	100%	$945,000
Rocket Mortgage	Conventional, FHA, VA	78	9.4%	82.2%	$199,487
United Wholesale Mortgage	Conventional, FHA, VA, HELOC	65 +3 HELOCs	7.8%	85.5%	$275,153
Freedom Mortgage Corporation	Conventional, FHA, VA	22	2.6%	91.7%	$250,000
First Community Mortgage, Inc. A+5.0 ★Texas Ratio: 0.38%	Conventional, FHA, VA	19	2.3%	91.7%	$236,578	View
Mortgage Research Center	VA	18	2.2%	85.7%	$273,333
American Neighborhood Mortgage Acceptance Company	Conventional, FHA, VA	18	2.2%	100%	$230,555
Ruoff Mortgage Company	Conventional, FHA	15	1.8%	94.4%	$225,666
Nvr Mortgage Finance, Inc.	Conventional, FHA, VA	15	1.8%	83.3%	$493,000
Das Acquisition Company, LLC	Conventional, FHA, VA	14	1.7%	100%	$218,571
loanDepot.com LLC	Conventional, VA, HELOC	10 +3 HELOCs	1.2%	55.6%	$153,000
Fairway Independent Mort Corp	Conventional, FHA	10	1.2%	83.3%	$221,000
Navy Federal Credit Union A5.0 ★Texas Ratio: 8.14%	Conventional, VA, HELOC	9 +2 HELOCs	1.1%	100%	$220,555
Newrez LLC	Conventional, FHA, VA	9	1.1%	56.2%	$160,555
Pennymac Loan Services LLC	Conventional, FHA, VA	9	1.1%	69.2%	$177,222
Sofi Bank, National Association A+5.0 ★Texas Ratio: 0.51%	Conventional, FHA	8	1%	100%	$90,000	View
Guaranteed Rate Affinity, LLC	Conventional, FHA	7	0.8%	87.5%	$325,000
Synergy One Lending, Inc.	Conventional, FHA, VA	6	0.7%	75%	$265,000
Carrington Mortgage Services LLC	Conventional, FHA, VA	6	0.7%	50%	$175,000
Spring Eq, LLC	Conventional, HELOC	5 +2 HELOCs	0.6%	38.5%	$63,000
Cornerstone First Mortgage, LLC	Conventional	5	0.6%	100%	$277,000
American Financial Resources LLC	Conventional, FHA	5	0.6%	100%	$227,000
Lakeview Loan Servicing, LLC	Conventional, FHA	5	0.6%	66.7%	$107,000
Nfm, Inc	Conventional, FHA	5	0.6%	71.4%	$195,000
Nationstar Mortgage	Conventional, FHA	5	0.6%	77.8%	$249,000
New American Funding, LLC.	Conventional, FHA	5	0.6%	55.6%	$261,000
Paramount Residential Mortgage	Conventional, FHA, VA	5	0.6%	100%	$301,000
Guaranteed Rate, Inc.	Conventional	4	0.5%	100%	$220,000
Primelending	Conventional, FHA	4	0.5%	100%	$245,000
Cmg Mortgage Inc	Conventional, FHA, USDA	4	0.5%	100%	$205,000
Bayshore Mortgage Funding	Conventional, VA	4	0.5%	80%	$385,000
Planet Home Lending, LLC	Conventional, FHA, VA	4	0.5%	100%	$272,500
BoxCar Mortgage, LLC	Conventional, FHA	4	0.5%	80%	$297,500
Prosperity Home Mortgage, LLC	Conventional, VA	4	0.5%	80%	$180,000
The Federal Savings Bank B+4.8 ★Texas Ratio: 16.98%	Conventional, FHA, VA	4	0.5%	80%	$257,500	View
Goodleap, LLC	Conventional, FHA, HELOC	3 +1 HELOCs	0.4%	100%	$181,666
Amerisave Mortgage Company	FHA, HELOC	3 +1 HELOCs	0.4%	27.3%	$231,666
Polaris Home Funding Corp.	Conventional	3	0.4%	100%	$218,333
Residential Wholesale Mortgage	Conventional	3	0.4%	100%	$208,333
AmeriHome Mortgage Company, LLC	Conventional, FHA	3	0.4%	100%	$315,000
VanDyk Mortgage Corporation	Conventional, FHA	3	0.4%	100%	$235,000
Wells Fargo Bank NA A+5.0 ★Texas Ratio: 5.36%	Conventional, VA	3	0.4%	100%	$308,333	View
Village Capital & Investment	FHA	3	0.4%	60%	$265,000
HomeBridge Financial Services, Inc	VA, HELOC	2 +2 HELOCs	0.2%	100%	$295,000
The Loan Store, Inc	Conventional, VA, HELOC	2 +1 HELOCs	0.2%	100%	$345,000
Gvc Mortgage, Inc.	Conventional	2	0.2%	100%	$280,000
Fidelity Direct Mortgage, LLC	Conventional	2	0.2%	100%	$235,000
Discover Bank	Conventional	2	0.2%	33.3%	$115,000
Geneva Financial LLC	Conventional, FHA	2	0.2%	100%	$295,000
New Day Financial, LLC.	VA	2	0.2%	25%	$275,000
American Pacific Mortgage Corporation	Conventional, FHA	2	0.2%	100%	$230,000
Milend, Inc	FHA	2	0.2%	100%	$260,000
Stockton Mortgage Corporation	Conventional, FHA	2	0.2%	66.7%	$205,000
United Mortgage Corp. A+5.0 ★Texas Ratio: 2.15%	Conventional, FHA	2	0.2%	100%	$260,000	View
Lower, LLC	Conventional	2	0.2%	100%	$210,000
Reliance First Capital, LLC	Conventional, FHA	2	0.2%	100%	$230,000
Ark-La-Tex Financial Services LLC	Conventional, FHA	2	0.2%	100%	$350,000
Champions Funding, LLC	Conventional	2	0.2%	100%	$230,000
Arc Home LLC	Conventional	1	0.1%	100%	$195,000
Liberty Federal Credit Union	Conventional	1	0.1%	100%	$105,000
Cliffco, Inc.	Conventional	1	0.1%	100%	$205,000
Primary Residential Mortgage, INC.	FHA	1	0.1%	100%	$335,000
Everett Financial, Inc.	Conventional	1	0.1%	50%	$195,000
Sage Home Loans Corporation	Conventional	1	0.1%	100%	$305,000
Equity Prime Mortgage LLC	FHA	1	0.1%	33.3%	$285,000
Howard Hanna Financial Services, Inc	FHA	1	0.1%	100%	$175,000
Bank of Hope A+5.0 ★Texas Ratio: 4.07%	Conventional	1	0.1%	100%	$175,000	View
Movement Mortgage, LLC	VA	1	0.1%	100%	$145,000
Loanunited.Com, LLC	FHA	1	0.1%	100%	$265,000
Resicentral LLC	Conventional	1	0.1%	100%	$165,000
Diamond Residential Mtg Corp	VA	1	0.1%	100%	$365,000
Tyndall Federal Credit Union	Conventional	1	0.1%	100%	$155,000
Success Mortgage Partners, Inc	Conventional	1	0.1%	100%	$335,000
Sun West Mortgage Company, Inc	FHA	1	0.1%	50%	$215,000
Oceanside Mortgage Company	FHA	1	0.1%	100%	$125,000
Click n' Close, Inc.	FHA	1	0.1%	100%	$455,000
ClearPath Lending	VA	1	0.1%	100%	$225,000
Usaa Federal Savings Bank B-3.5 ★Texas Ratio: 6.80%	VA	1	0.1%	100%	$285,000	View
Luminate Home Loans, Inc. A5.0 ★Texas Ratio: 11.06%	FHA	1	0.1%	100%	$225,000	View
Credence Funding Corporation	VA	1	0.1%	100%	$205,000
UNMB Home Loans Inc	Conventional	1	0.1%	100%	$135,000
Provident Funding Associates	Conventional	1	0.1%	100%	$345,000
Central Bank & Trust Co A+5.0 ★Texas Ratio: 1.26%	Conventional	1	0.1%	100%	$265,000	View
Endeavor Capital, LLC	FHA	1	0.1%	100%	$185,000
Nations Direct Mortgage, LLC	Conventional	1	0.1%	100%	$235,000
Zillow Home Loans, LLC	FHA	1	0.1%	100%	$275,000
Mutual of Omaha Mortgage	Conventional	1	0.1%	66.7%	$95,000
Merchants Bank of Indiana A5.0 ★Texas Ratio: 11.97%	Conventional	1	0.1%	100%	$295,000	View
Texana Bank	Conventional	1	0.1%	100%	$245,000
Plaza Home Mortgage, Inc	FHA	1	0.1%	100%	$285,000
Top Flite Financial, Inc.	FHA	1	0.1%	100%	$245,000
The Mortgage Link, Inc.	FHA	1	0.1%	100%	$155,000
Southwest Funding LP	Conventional	1	0.1%	100%	$295,000
Figure Lending LLC	HELOC	0 +9 HELOCs	0%	n/a
Coastal Community Bank B4.5 ★Texas Ratio: 20.96%	HELOC	0 +4 HELOCs	0%	n/a		View
Lendage, LLC dba Achieve Loans	HELOC	0 +2 HELOCs	0%	n/a
Fourleaf Federal Credit Union	HELOC	0 +1 HELOCs	0%	n/a
Valon Mortgage	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.

Fairfield 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 Fairfield, Ohio

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

Types of Mortgage Lenders in Fairfield, OH

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

Mortgage companies and brokers 88 lenders. Nonbank lenders and brokers that shop several wholesale lenders; often the fastest closings Banks 40 lenders. Local and national banks with branches, portfolio and jumbo loans, and an MBR health grade Credit unions 14 lenders. Member owned, often lower fees and flexible underwriting for members FHA lenders 65 lenders. 3.5 percent down and credit scores into the 500s; the usual route for bad credit or low down payment buyers VA lenders 33 lenders. No down payment and no mortgage insurance for eligible veterans and service members USDA lenders 1 lenders. Zero down loans in eligible rural and suburban areas Jumbo lenders 1 lenders. Loans above the conforming limit for higher priced homes Local lenders based in OH 37 lenders headquartered in Ohio, the closest thing to a mortgage lender near you

Who Lends in Fairfield, OH

Independent mortgage companies closed 61.3 percent of home loans in Fairfield, Ohio in 2025, banks 29.5 percent and credit unions 9.1 percent. Union Home Mortgage Corp. was the largest mortgage company, Fifth Third Bank, National Association the largest bank and AurGroup Financial Credit Union the largest credit union. Among lenders headquartered in Ohio, Fifth Third Bank, National Association led with 39 loans.

61.3%

Mortgage companies

29.5%

Banks

9.1%

Credit unions

18%

FHA loans

11%

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 Dayton 172 lenders Hamilton 172 lenders Dublin 152 lenders Canton 127 lenders Parma 145 lenders Elyria 130 lenders

Frequently Asked Questions About Mortgage Lenders in Fairfield, OH

Who is the largest mortgage lender in Fairfield, OH?

By home loans closed in 2025, Fifth Third Bank, National Association was the largest mortgage lender in Fairfield, Ohio with 39 loans, about 4.7 percent of the market. Source: Home Mortgage Disclosure Act data for 2025, published by the FFIEC and CFPB.

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

Among lenders with meaningful volume in Fairfield, Ohio, United Wholesale Mortgage approved the highest share of completed applications in 2025 at 85.5 percent, against a 82.6 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 Fairfield, OH mortgage lenders offer FHA, VA and USDA loans?

65 lenders closed FHA loans in Fairfield, Ohio in 2025, led by Rocket Mortgage with 19. 33 lenders closed VA loans, led by United Wholesale Mortgage, and 1 closed USDA rural loans. 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 Fairfield, OH lender list?

Yes. 40 banks and 14 credit unions closed home loans in Fairfield, Ohio in 2025, alongside 88 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 Fairfield, OH ranked on this page?

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