Mortgage Lenders and Brokers in Franklin, 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
Franklin, Ohio mortgage lenders include Fifth Third Bank, National AssociationFifth Third Bank, National Association1325 E 2nd St, Franklin, OH 45005A+5.0 ★Texas Ratio: 3.22%, Huntington National BankHuntington National Bank340 S Main St, Franklin, OH 45005A+5.0 ★Texas Ratio: 3.66%, Wesbanco Bank, Inc.Wesbanco Bank, Inc.310 S Main St, Franklin, OH 45005A+5.0 ★Texas Ratio: 3.87%, Peoples BankPeoples Bank1400 E 2nd St, Franklin, OH 45005A+5.0 ★Texas Ratio: 3.39%, Wright Patt Credit Union IncWright Patt Credit Union Inc1506 N Fairfield Rd, Beavercreek, OH 45432 2737A5.0 ★Texas Ratio: 6.22%, Union Savings BankUnion Savings Bank1040 E 2nd St, Franklin, OH 45005, JPMorgan Chase Bank, NAJPMorgan Chase Bank, NA1249 Canton Rd, Akron, OH 44312A+5.0 ★Texas Ratio: 3.68%, Guardian Savings BankGuardian Savings Bank11333 Princeton Pike, Cincinnati, OH 45246A+5.0 ★Texas Ratio: 1.35%, 1st National Bank1st National Bank1095 S Main St, Centerville, OH 45458A+5.0 ★Texas Ratio: 4.63%, and Lcnb National BankLcnb National Bank225 Upper Lewisburg Salem Rd, Brookville, OH 45309A+5.0 ★Texas Ratio: 2.05%. 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 Franklin, Ohio in 2025, as reported under the federal Home Mortgage Disclosure Act. No lender pays for a higher spot. Lenders based in Franklin 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 Franklin, Ohio
Market share is the lender's share of all home loans closed in Franklin, 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 Franklin 1325 E 2nd St, Franklin, OH 45005 A+5.0 ★Texas Ratio: 3.22% |
Conventional, FHA, VA, HELOC | 11 +12 HELOCs |
3.6% | 64.7% | $135,909 | View |
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1 office in Franklin 340 S Main St, Franklin, OH 45005 A+5.0 ★Texas Ratio: 3.66% |
Conventional, FHA, VA, HELOC | 8 +12 HELOCs |
2.6% | 66.7% | $131,250 | View |
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1 office in Franklin 310 S Main St, Franklin, OH 45005 A+5.0 ★Texas Ratio: 3.87% |
Conventional, HELOC | 2 +1 HELOCs |
0.6% | 100% | $180,000 | View |
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1 office in Franklin 1400 E 2nd St, Franklin, OH 45005 A+5.0 ★Texas Ratio: 3.39% |
Conventional, HELOC | 1 +2 HELOCs |
0.3% | 100% | $45,000 | View |
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1506 N Fairfield Rd, Beavercreek, OH 45432 2737 A5.0 ★Texas Ratio: 6.22% |
Conventional, FHA, HELOC | 16 +10 HELOCs |
5.2% | 90% | $191,250 | View |
Union Savings Bank
1040 E 2nd St, Franklin, OH 45005 |
Conventional, FHA, HELOC | 11 +5 HELOCs |
3.6% | 91.7% | $216,818 | |
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1249 Canton Rd, Akron, OH 44312 A+5.0 ★Texas Ratio: 3.68% |
Conventional, VA | 4 | 1.3% | 100% | $182,500 | View |
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11333 Princeton Pike, Cincinnati, OH 45246 A+5.0 ★Texas Ratio: 1.35% |
Conventional | 4 | 1.3% | 100% | $237,500 | View |
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1095 S Main St, Centerville, OH 45458 A+5.0 ★Texas Ratio: 4.63% |
Conventional | 4 | 1.3% | 100% | $180,000 | View |
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225 Upper Lewisburg Salem Rd, Brookville, OH 45309 A+5.0 ★Texas Ratio: 2.05% |
Conventional, FHA | 3 | 1% | 100% | $238,333 | View |
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39 Oak St, Amelia, OH 45102 A+5.0 ★Texas Ratio: 0.82% |
Conventional | 3 | 1% | 100% | $218,333 | View |
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528 S Main St, Ada, OH 45810 A+5.0 ★Texas Ratio: 2.85% |
Conventional, HELOC | 2 +1 HELOCs |
0.6% | 100% | $190,000 | View |
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3927 Indian Ripple Rd, Dayton, OH 45440 3449 A+5.0 ★Texas Ratio: 2.96% |
Conventional | 2 | 0.6% | 66.7% | $65,000 | View |
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2089 Dayton Xenia Rd, Beavercreek, OH 45434 7156 A+5.0 ★Texas Ratio: 4.81% |
Conventional | 2 | 0.6% | 100% | $80,000 | View |
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3983 Medina Rd, Akron, OH 44333 A+5.0 ★Texas Ratio: 4.81% |
VA, HELOC | 1 +1 HELOCs |
0.3% | 100% | $265,000 | View |
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3451 Center Rd, Brunswick, OH 44212 A+5.0 ★Texas Ratio: 4.14% |
Conventional, HELOC | 1 +1 HELOCs |
0.3% | 100% | $155,000 | View |
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35592 Detroit Rd, Avon, OH 44011 A+5.0 ★Texas Ratio: 2.32% |
Conventional, HELOC | 1 +1 HELOCs |
0.3% | 33.3% | $15,000 | View |
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11370 Reed Hartman Hwy, Blue Ash, OH 45241 A5.0 ★Texas Ratio: 6.06% |
Conventional, HELOC | 1 +1 HELOCs |
0.3% | 100% | $275,000 | View |
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238 State St, Bettsville, OH 44815 A+4.8 ★Texas Ratio: 1.69% |
Conventional | 1 | 0.3% | 100% | $175,000 | View |
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2147 East Ave, Akron, OH 44314 A+5.0 ★Texas Ratio: 5.44% |
Conventional | 1 | 0.3% | 100% | $165,000 | View |
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7740 Paragon Rd, Dayton, OH 45459 A+5.0 ★Texas Ratio: 1.33% |
Conventional | 1 | 0.3% | 100% | $65,000 | View |
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251 Washington Jackson Rd, Eaton, OH 45320 A+5.0 ★Texas Ratio: 2.86% |
Conventional | 1 | 0.3% | 100% | $205,000 | View |
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1719 W Ohio Pike, Amelia, OH 45102 A+5.0 ★Texas Ratio: 0.96% |
Conventional | 1 | 0.3% | 100% | $165,000 | View |
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6550 Princeton Glendale Rd, Liberty Township, OH 45011 A5.0 ★Texas Ratio: 8.10% |
Conventional | 1 | 0.3% | 100% | $285,000 | View |
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2923 Smith Rd, Akron, OH 44333 A+5.0 ★Texas Ratio: 3.21% |
HELOC | 0 +10 HELOCs |
0% | 0% | View | |
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★ 1.7 stars, 3 reviews 3359 Towne Blvd, Franklin, OH 45005 A+5.0 ★Texas Ratio: 4.24% |
HELOC | 0 +3 HELOCs |
0% | 0% | View | |
CrossCountry Mortgage, LLC
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Conventional, FHA | 8 | 2.6% | 100% | $225,000 | |
Union Home Mortgage Corp.
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Conventional | 5 | 1.6% | 71.4% | $185,000 | |
Nations Lending Corporation
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FHA | 2 | 0.6% | 100% | $170,000 | |
3rd Street Financial Corp
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Conventional | 1 | 0.3% | 100% | $285,000 | |
Rapid Mortgage Company
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Conventional | 1 | 0.3% | 100% | $115,000 | |
Liberty Home Mortgage Corp
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Conventional | 1 | 0.3% | 100% | $315,000 | |
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A5.0 ★Texas Ratio: 7.47% |
HELOC | 0 +1 HELOCs |
0% | n/a | View | |
Nvr Mortgage Finance, Inc.
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Conventional, FHA, VA | 21 | 6.8% | 95.5% | $286,428 | |
Rocket Mortgage
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Conventional, FHA, VA | 17 | 5.5% | 68% | $194,411 | |
United Wholesale Mortgage
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Conventional, FHA, VA | 14 | 4.5% | 94.4% | $232,857 | |
Victory Mortgage, LLC
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Conventional, FHA, VA | 13 | 4.2% | 92.9% | $462,692 | |
Das Acquisition Company, LLC
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Conventional, FHA | 11 | 3.6% | 100% | $236,818 | |
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A+5.0 ★Texas Ratio: 0.38% |
Conventional, FHA | 10 | 3.2% | 90.9% | $199,000 | View |
loanDepot.com LLC
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Conventional, FHA, VA | 10 | 3.2% | 100% | $166,000 | |
Fairway Independent Mort Corp
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Conventional, FHA, VA | 10 | 3.2% | 100% | $129,000 | |
Primelending
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Conventional, FHA, VA | 7 | 2.3% | 100% | $195,000 | |
Mortgage Research Center
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VA | 6 | 1.9% | 66.7% | $241,666 | |
Cornerstone First Mortgage, LLC
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Conventional, FHA | 5 | 1.6% | 83.3% | $193,000 | |
Freedom Mortgage Corporation
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FHA, VA | 5 | 1.6% | 100% | $259,000 | |
Newrez LLC
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Conventional, FHA | 5 | 1.6% | 71.4% | $149,000 | |
American Pacific Mortgage Corporation
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Conventional, FHA, VA | 5 | 1.6% | 100% | $167,000 | |
Ruoff Mortgage Company
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Conventional, FHA | 4 | 1.3% | 100% | $247,500 | |
Guild Mortgage Company
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Conventional, FHA, VA | 4 | 1.3% | 100% | $467,500 | |
Zillow Home Loans, LLC
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Conventional | 4 | 1.3% | 100% | $195,000 | |
Lakeview Loan Servicing, LLC
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FHA | 3 | 1% | 60% | $208,333 | |
Equity Prime Mortgage LLC
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FHA, VA | 3 | 1% | 100% | $168,333 | |
Pennymac Loan Services LLC
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FHA, VA | 3 | 1% | 100% | $265,000 | |
Amerisave Mortgage Company
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Conventional, FHA | 3 | 1% | 100% | $81,666 | |
Nationstar Mortgage
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Conventional, FHA | 3 | 1% | 75% | $185,000 | |
Lower, LLC
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Conventional, VA | 3 | 1% | 100% | $268,333 | |
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A5.0 ★Texas Ratio: 8.14% |
Conventional, VA, HELOC | 2 +1 HELOCs |
0.6% | 66.7% | $210,000 | |
Bayshore Mortgage Funding
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Conventional, VA | 2 | 0.6% | 100% | $275,000 | |
VanDyk Mortgage Corporation
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FHA | 2 | 0.6% | 100% | $130,000 | |
First Colony Mortgage Corporat
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Conventional, FHA | 2 | 0.6% | 100% | $275,000 | |
Paramount Residential Mortgage
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Conventional, FHA | 2 | 0.6% | 100% | $210,000 | |
Vanderbilt Mortgage and Finance, Inc
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Conventional | 2 | 0.6% | 66.7% | $140,000 | |
Carrington Mortgage Services LLC
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Conventional, FHA | 2 | 0.6% | 33.3% | $105,000 | |
Polaris Home Funding Corp.
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FHA | 1 | 0.3% | 100% | $205,000 | |
Guaranteed Rate Affinity, LLC
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VA | 1 | 0.3% | 100% | $335,000 | |
American Financial Resources LLC
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Conventional | 1 | 0.3% | 100% | $375,000 | |
Goodleap, LLC
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FHA | 1 | 0.3% | 100% | $125,000 | |
Gold Star Mortgage Financial Group, Corporation
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VA | 1 | 0.3% | 100% | $255,000 | |
AmeriHome Mortgage Company, LLC
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FHA | 1 | 0.3% | 100% | $285,000 | |
Synergy One Lending, Inc.
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Conventional | 1 | 0.3% | 100% | $145,000 | |
American Financing Corporation
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Conventional | 1 | 0.3% | 100% | $55,000 | |
ClearPath Lending
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VA | 1 | 0.3% | 100% | $315,000 | |
Nfm, Inc
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Conventional | 1 | 0.3% | 100% | $205,000 | |
Cardinal Financial Company, Li
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FHA | 1 | 0.3% | 100% | $295,000 | |
New Day Financial, LLC.
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VA | 1 | 0.3% | 100% | $175,000 | |
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B-3.5 ★Texas Ratio: 6.80% |
VA | 1 | 0.3% | 100% | $295,000 | View |
Lendsure Mortgage Corp.
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Conventional | 1 | 0.3% | 100% | $365,000 | |
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B4.4 ★Texas Ratio: 21.68% |
FHA | 1 | 0.3% | 100% | $145,000 | View |
Stockton Mortgage Corporation
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FHA | 1 | 0.3% | 100% | $315,000 | |
Tjc Mortgage Inc
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Conventional | 1 | 0.3% | 100% | $355,000 | |
Pentagon Federal Credit Union
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VA | 1 | 0.3% | 100% | $315,000 | |
Nations Direct Mortgage, LLC
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Conventional | 1 | 0.3% | 100% | $175,000 | |
Mutual of Omaha Mortgage
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VA | 1 | 0.3% | 100% | $325,000 | |
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A-5.0 ★Texas Ratio: 14.97% |
VA | 1 | 0.3% | 100% | $245,000 | View |
Reliance First Capital, LLC
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FHA | 1 | 0.3% | 100% | $165,000 | |
Spring Eq, LLC
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Conventional | 1 | 0.3% | 100% | $45,000 | |
American Neighborhood Mortgage Acceptance Company
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FHA | 1 | 0.3% | 66.7% | $165,000 | |
Figure Lending LLC
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HELOC | 0 +3 HELOCs |
0% | n/a | ||
Lendage, LLC dba Achieve Loans
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HELOC | 0 +2 HELOCs |
0% | n/a | ||
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B4.5 ★Texas Ratio: 20.96% |
HELOC | 0 +1 HELOCs |
0% | n/a | View |
Franklin 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 Franklin, Ohio
Looking for mortgage lenders near me or mortgage brokers near me in Franklin? The list below shows the banks, credit unions and mortgage brokers that closed home loans in Franklin in 2025, with lenders based there listed first.
Types of Mortgage Lenders in Franklin, OH
Use these to narrow the list above. Each category shows how many Franklin, OH lenders fit and what that kind of lender is usually best for.
Who Lends in Franklin, OH
Independent mortgage companies closed 65.6 percent of home loans in Franklin, Ohio in 2025, banks 25.3 percent and credit unions 9.1 percent. CrossCountry Mortgage, LLC was the largest mortgage company, Fifth Third Bank, National Association the largest bank and Wright Patt Credit Union Inc the largest credit union. Among lenders headquartered in Ohio, Fifth Third Bank, National Association led with 11 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 Franklin, OH
By home loans closed in 2025, Fifth Third Bank, National Association was the largest mortgage lender in Franklin, Ohio with 11 loans, about 3.6 percent of the market. Source: Home Mortgage Disclosure Act data for 2025, published by the FFIEC and CFPB.
39 lenders closed FHA loans in Franklin, Ohio in 2025, led by Nvr Mortgage Finance, Inc. with 10. 28 lenders closed VA loans, led by United Wholesale Mortgage. 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. 26 banks and 9 credit unions closed home loans in Franklin, Ohio in 2025, alongside 55 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 Franklin, 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 Franklin, 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 Franklin. 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.
