Mortgage Lenders and Brokers in Hillsboro, 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
Hillsboro, Ohio mortgage lenders include Merchants National BankMerchants National Bank100 N High St, Hillsboro, OH 45133A+5.0 ★Texas Ratio: 4.14%, Peoples BankPeoples Bank101 Harry Sauner Rd, Hillsboro, OH 45133A+5.0 ★Texas Ratio: 3.39%, Fifth Third Bank, National AssociationFifth Third Bank, National Association511 N High St, Hillsboro, OH 45133A+5.0 ★Texas Ratio: 3.22%, National Cooperative Bank, N.A.National Cooperative Bank, N.A.139 S High St, Hillsboro, OH 45133A5.0 ★Texas Ratio: 6.04%, US Bank, N.A.US Bank, N.A.304 N High St, Hillsboro, OH 45133A+5.0 ★Texas Ratio: 2.85%, First State BankFirst State Bank730 Harry Sauner Rd, Hillsboro, OH 45133, Southern Hills Community BankSouthern Hills Community Bank310 N High St, Hillsboro, OH 45133A5.0 ★Texas Ratio: 7.26%, 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 Bank1240 N Bridge Street, Chillicothe, OH 45601, and 1st National Bank1st National Bank1095 S Main St, Centerville, OH 45458A+5.0 ★Texas Ratio: 4.63%. 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 Hillsboro, Ohio in 2025, as reported under the federal Home Mortgage Disclosure Act. No lender pays for a higher spot. Lenders based in Hillsboro 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 Hillsboro, Ohio
Market share is the lender's share of all home loans closed in Hillsboro, 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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100 N High St, Hillsboro, OH 45133 A+5.0 ★Texas Ratio: 4.14% |
Conventional | 12 | 5.8% | 72.7% | $169,166 | View |
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1 office in Hillsboro 101 Harry Sauner Rd, Hillsboro, OH 45133 A+5.0 ★Texas Ratio: 3.39% |
Conventional, FHA, HELOC | 11 +4 HELOCs |
5.3% | 91.7% | $162,272 | View |
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1 office in Hillsboro 511 N High St, Hillsboro, OH 45133 A+5.0 ★Texas Ratio: 3.22% |
Conventional, FHA, VA, USDA, HELOC | 10 +13 HELOCs |
4.8% | 83.3% | $175,000 | View |
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139 S High St, Hillsboro, OH 45133 A5.0 ★Texas Ratio: 6.04% |
Conventional | 5 | 2.4% | 83.3% | $157,000 | View |
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1 office in Hillsboro 304 N High St, Hillsboro, OH 45133 A+5.0 ★Texas Ratio: 2.85% |
Conventional, FHA, USDA | 3 | 1.4% | 33.3% | $91,666 | View |
First State Bank
730 Harry Sauner Rd, Hillsboro, OH 45133 |
Conventional, HELOC | 8 +13 HELOCs |
3.8% | 69.2% | $140,000 | |
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310 N High St, Hillsboro, OH 45133 A5.0 ★Texas Ratio: 7.26% |
Conventional | 6 | 2.9% | 85.7% | $223,333 | View |
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1506 N Fairfield Rd, Beavercreek, OH 45432 2737 A5.0 ★Texas Ratio: 6.22% |
Conventional, HELOC | 3 +6 HELOCs |
1.4% | 100% | $155,000 | View |
Union Savings Bank
1240 N Bridge Street, Chillicothe, OH 45601 |
Conventional | 3 | 1.4% | 100% | $151,666 | |
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1095 S Main St, Centerville, OH 45458 A+5.0 ★Texas Ratio: 4.63% |
Conventional | 3 | 1.4% | 100% | $165,000 | 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 | 2 +1 HELOCs |
1% | 100% | $155,000 | View |
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583 Harry Sauner Rd, Hillsboro, OH 45133 A+5.0 ★Texas Ratio: 2.28% |
Conventional | 2 | 1% | 40% | $175,000 | View |
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1719 W Ohio Pike, Amelia, OH 45102 A+5.0 ★Texas Ratio: 0.96% |
Conventional, FHA | 2 | 1% | 66.7% | $175,000 | View |
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1187 W Ohio Pike, Amelia, OH 45102 A5.0 ★Texas Ratio: 6.62% |
Conventional, HELOC | 1 +1 HELOCs |
0.5% | 100% | $315,000 | View |
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112 E Liberty St, Arlington, OH 45814 A+5.0 ★Texas Ratio: 3.87% |
Conventional | 1 | 0.5% | 100% | $145,000 | View |
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225 Upper Lewisburg Salem Rd, Brookville, OH 45309 A+5.0 ★Texas Ratio: 2.05% |
Conventional | 1 | 0.5% | 100% | $45,000 | View |
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39 Oak St, Amelia, OH 45102 A+5.0 ★Texas Ratio: 0.82% |
Conventional | 1 | 0.5% | 100% | $425,000 | View |
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3421 Ridgewood Rd, Akron, OH 44333 A+5.0 ★Texas Ratio: 3.66% |
HELOC | 0 +2 HELOCs |
0% | n/a | View | |
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7755 Montgomery Rd, Cincinnati, OH 45236 A+5.0 ★Texas Ratio: 1.93% |
HELOC | 0 +1 HELOCs |
0% | n/a | View | |
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3451 Center Rd, Brunswick, OH 44212 A+5.0 ★Texas Ratio: 4.14% |
HELOC | 0 +1 HELOCs |
0% | n/a | View | |
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11370 Reed Hartman Hwy, Blue Ash, OH 45241 A5.0 ★Texas Ratio: 6.06% |
HELOC | 0 +1 HELOCs |
0% | n/a | View | |
CrossCountry Mortgage, LLC
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Conventional, FHA | 6 | 2.9% | 100% | $206,666 | |
Union Home Mortgage Corp.
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VA | 1 | 0.5% | 100% | $335,000 | |
3rd Street Financial Corp
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VA | 1 | 0.5% | 100% | $135,000 | |
Sibcy Cline Mortgage Services, Inc.
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FHA | 1 | 0.5% | 100% | $175,000 | |
loanDepot.com LLC
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Conventional, FHA, VA, USDA | 23 | 11.1% | 88.5% | $155,434 | |
Rocket Mortgage
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Conventional, FHA, VA | 16 | 7.7% | 73.9% | $180,625 | |
Fairway Independent Mort Corp
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Conventional, FHA, VA | 7 | 3.4% | 77.8% | $183,571 | |
United Wholesale Mortgage
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Conventional, FHA, VA | 6 | 2.9% | 75% | $338,333 | |
Paramount Residential Mortgage
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Conventional, FHA, VA, USDA | 5 | 2.4% | 100% | $277,000 | |
Mortgage Research Center
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FHA, VA | 4 | 1.9% | 80% | $232,500 | |
Vanderbilt Mortgage and Finance, Inc
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Conventional | 4 | 1.9% | 55.6% | $185,000 | |
Ruoff Mortgage Company
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Conventional, FHA | 3 | 1.4% | 100% | $221,666 | |
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A+5.0 ★Texas Ratio: 0.38% |
Conventional, VA, USDA | 3 | 1.4% | 100% | $171,666 | View |
Freedom Mortgage Corporation
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FHA, VA | 3 | 1.4% | 100% | $215,000 | |
Guaranteed Rate, Inc.
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Conventional, FHA, VA | 3 | 1.4% | 100% | $195,000 | |
Pennymac Loan Services LLC
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FHA, VA | 3 | 1.4% | 60% | $185,000 | |
Das Acquisition Company, LLC
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FHA, VA | 3 | 1.4% | 100% | $265,000 | |
New Day Financial, LLC.
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VA | 3 | 1.4% | 100% | $335,000 | |
Lower, LLC
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FHA, USDA | 3 | 1.4% | 60% | $165,000 | |
Farm Credit Mid-America, Aca
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Conventional | 3 | 1.4% | 60% | $358,333 | |
Residential Wholesale Mortgage
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Conventional, VA | 2 | 1% | 100% | $165,000 | |
Gold Star Mortgage Financial Group, Corporation
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FHA | 2 | 1% | 100% | $245,000 | |
Newrez LLC
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Conventional | 2 | 1% | 50% | $95,000 | |
AmeriHome Mortgage Company, LLC
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FHA | 2 | 1% | 100% | $300,000 | |
Spring Eq, LLC
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Conventional | 2 | 1% | 66.7% | $55,000 | |
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A5.0 ★Texas Ratio: 8.14% |
VA, HELOC | 1 +1 HELOCs |
0.5% | 100% | $285,000 | |
Polaris Home Funding Corp.
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FHA | 1 | 0.5% | 100% | $145,000 | |
EMM Loans LLC
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USDA | 1 | 0.5% | 100% | $225,000 | |
Guaranteed Rate Affinity, LLC
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VA | 1 | 0.5% | 100% | $365,000 | |
Royal United Mortgage LLC
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Conventional | 1 | 0.5% | 100% | $95,000 | |
Equity Prime Mortgage LLC
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USDA | 1 | 0.5% | 33.3% | $195,000 | |
Kind Lending, LLC
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Conventional | 1 | 0.5% | 100% | $305,000 | |
Norwich Commercial Group Inc
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FHA | 1 | 0.5% | 100% | $215,000 | |
Howard Hanna Financial Services, Inc
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Conventional | 1 | 0.5% | 100% | $145,000 | |
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B+4.8 ★Texas Ratio: 17.16% |
Conventional | 1 | 0.5% | 100% | $205,000 | View |
Amerisave Mortgage Company
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Conventional | 1 | 0.5% | 11.1% | $205,000 | |
Diamond Residential Mtg Corp
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Conventional | 1 | 0.5% | 100% | $125,000 | |
Discover Bank
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Conventional | 1 | 0.5% | 50% | $85,000 | |
Click n' Close, Inc.
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FHA | 1 | 0.5% | 100% | $285,000 | |
ClearPath Lending
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VA | 1 | 0.5% | 100% | $185,000 | |
Mid-Continent Funding, Inc.
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VA | 1 | 0.5% | 100% | $85,000 | |
Capital Center LLC
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Conventional | 1 | 0.5% | 100% | $265,000 | |
Churchill Mortgage Corporation
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FHA | 1 | 0.5% | 100% | $195,000 | |
Nationstar Mortgage
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Conventional | 1 | 0.5% | 100% | $55,000 | |
Thrivent Federal Credit Union
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Conventional | 1 | 0.5% | 100% | $135,000 | |
New American Funding, LLC.
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Conventional | 1 | 0.5% | 50% | $135,000 | |
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B-4.3 ★Texas Ratio: 23.12% |
Conventional | 1 | 0.5% | 100% | $305,000 | View |
Carrington Mortgage Services LLC
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Conventional | 1 | 0.5% | 66.7% | $55,000 | |
Figure Lending LLC
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HELOC | 0 +2 HELOCs |
0% | n/a | ||
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B4.5 ★Texas Ratio: 20.96% |
HELOC | 0 +2 HELOCs |
0% | n/a | View | |
Valon Mortgage
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HELOC | 0 +1 HELOCs |
0% | n/a | ||
Lendage, LLC dba Achieve Loans
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HELOC | 0 +1 HELOCs |
0% | n/a |
Hillsboro 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 Hillsboro, Ohio
Looking for mortgage lenders near me or mortgage brokers near me in Hillsboro? The list below shows the banks, credit unions and mortgage brokers that closed home loans in Hillsboro in 2025, with lenders based there listed first.
Types of Mortgage Lenders in Hillsboro, OH
Use these to narrow the list above. Each category shows how many Hillsboro, OH lenders fit and what that kind of lender is usually best for.
Who Lends in Hillsboro, OH
Independent mortgage companies closed 60.6 percent of home loans in Hillsboro, Ohio in 2025, banks 35.6 percent and credit unions 3.8 percent. CrossCountry Mortgage, LLC was the largest mortgage company, Merchants National Bank the largest bank and Wright Patt Credit Union Inc the largest credit union. Among lenders headquartered in Ohio, Merchants National Bank led with 12 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 Hillsboro, OH
By home loans closed in 2025, Merchants National Bank was the largest mortgage lender in Hillsboro, Ohio with 12 loans, about 5.8 percent of the market. Source: Home Mortgage Disclosure Act data for 2025, published by the FFIEC and CFPB.
24 lenders closed FHA loans in Hillsboro, Ohio in 2025, led by loanDepot.com LLC with 11. 20 lenders closed VA loans, led by United Wholesale Mortgage, and 8 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.
Yes. 22 banks and 6 credit unions closed home loans in Hillsboro, Ohio in 2025, alongside 45 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 Hillsboro, 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 Hillsboro, 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 Hillsboro. 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.
