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Mortgage Lenders and Brokers in Kettering, Ohio

Content reviewed by

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

Kettering, Ohio mortgage lenders include Day Air Credit UnionDay Air Credit Union3501 Wilmington Pike, Kettering, OH 45429A+5.0 ★Texas Ratio: 4.81%, JPMorgan Chase Bank, NAJPMorgan Chase Bank, NA2119 E Dorothy Ln, Kettering, OH 45420A+5.0 ★Texas Ratio: 3.68%, US Bank, N.A.US Bank, N.A.4075 Wilmington Pike, Kettering, OH 45440A+5.0 ★Texas Ratio: 2.85%, Keybank National AssociationKeybank National Association4401 Far Hills Ave, Kettering, OH 45429A+5.0 ★Texas Ratio: 4.81%, First Financial BankFirst Financial Bank4391 Far Hills Ave, Kettering, OH 45429A+5.0 ★Texas Ratio: 3.21%, Wright Patt Credit Union IncWright Patt Credit Union Inc1810 Woodman Center Dr, Kettering, OH 45420 1100A5.0 ★Texas Ratio: 6.22%, Union Savings BankUnion Savings Bank3030 Woodman Dr, Kettering, OH 45420, Huntington National BankHuntington National Bank3421 Ridgewood Rd, Akron, OH 44333A+5.0 ★Texas Ratio: 3.66%, Fifth Third Bank, National AssociationFifth Third Bank, National Association1308 North Reynolds Rd, Adams Township, OH 43615A+5.0 ★Texas Ratio: 3.22%, and Universal 1 Credit Union Inc.Universal 1 Credit Union Inc.2450 Esquire Dr, Beavercreek, OH 45431 2573A+5.0 ★Texas Ratio: 5.33%. 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 Kettering, Ohio in 2025, as reported under the federal Home Mortgage Disclosure Act. No lender pays for a higher spot. Lenders based in Kettering 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 Kettering, Ohio

Market share is the lender's share of all home loans closed in Kettering, 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
Day Air Credit Union 3501 Wilmington Pike, Kettering, OH 45429 A+5.0 ★Texas Ratio: 4.81%	Conventional, HELOC	62 +26 HELOCs	5.6%	79%	$127,258	View
JPMorgan Chase Bank, NA 1 office in Kettering 2119 E Dorothy Ln, Kettering, OH 45420 A+5.0 ★Texas Ratio: 3.68%	Conventional, FHA	23	2.1%	85.2%	$176,304	View
US Bank, N.A. 1 office in Kettering 4075 Wilmington Pike, Kettering, OH 45440 A+5.0 ★Texas Ratio: 2.85%	Conventional, FHA, HELOC	16 +9 HELOCs	1.5%	85%	$175,625	View
Keybank National Association 1 office in Kettering 4401 Far Hills Ave, Kettering, OH 45429 A+5.0 ★Texas Ratio: 4.81%	Conventional, FHA	6	0.5%	85.7%	$161,666	View
First Financial Bank 1 office in Kettering 4391 Far Hills Ave, Kettering, OH 45429 A+5.0 ★Texas Ratio: 3.21%	Conventional, FHA, HELOC	3 +12 HELOCs	0.3%	75%	$185,000	View
Wright Patt Credit Union Inc 1810 Woodman Center Dr, Kettering, OH 45420 1100 A5.0 ★Texas Ratio: 6.22%	Conventional, FHA, VA, HELOC	137 +96 HELOCs	12.5%	77.2%	$167,554	View
Union Savings Bank 3030 Woodman Dr, Kettering, OH 45420	Conventional, FHA, VA, Jumbo, HELOC	106 +17 HELOCs	9.7%	96.6%	$265,849
Huntington National Bank 3421 Ridgewood Rd, Akron, OH 44333 A+5.0 ★Texas Ratio: 3.66%	Conventional, FHA, VA, Jumbo, HELOC	46 +29 HELOCs	4.2%	93.9%	$240,652	View
Fifth Third Bank, National Association 1308 North Reynolds Rd, Adams Township, OH 43615 A+5.0 ★Texas Ratio: 3.22%	Conventional, FHA, VA, HELOC	28 +75 HELOCs	2.6%	77.8%	$149,642	View
Universal 1 Credit Union Inc. 2450 Esquire Dr, Beavercreek, OH 45431 2573 A+5.0 ★Texas Ratio: 5.33%	Conventional, HELOC	8 +2 HELOCs	0.7%	88.9%	$66,250	View
PNC Bank N.A. ★ 1.7 stars, 3 reviews 3079 Woodman Dr, Kettering, OH 45420 A+5.0 ★Texas Ratio: 4.24%	Conventional, HELOC	4 +31 HELOCs	0.4%	100%	$245,000	View
River Valley Credit Union 3927 Indian Ripple Rd, Dayton, OH 45440 3449 A+5.0 ★Texas Ratio: 2.96%	Conventional	4	0.4%	66.7%	$147,500	View
Bank of America NA 3451 Center Rd, Brunswick, OH 44212 A+5.0 ★Texas Ratio: 4.14%	Conventional, VA, HELOC	3 +1 HELOCs	0.3%	100%	$291,666	View
Old Fort Banking Company 238 State St, Bettsville, OH 44815 A+4.8 ★Texas Ratio: 1.69%	Conventional, Jumbo	3	0.3%	80%	$398,333	View
1st National Bank 1095 S Main St, Centerville, OH 45458 A+5.0 ★Texas Ratio: 4.63%	Conventional	3	0.3%	100%	$128,333	View
Wesbanco Bank, Inc. 112 E Liberty St, Arlington, OH 45814 A+5.0 ★Texas Ratio: 3.87%	Conventional, HELOC	2 +8 HELOCs	0.2%	100%	$190,000	View
Citizens Bank, NA 2147 East Ave, Akron, OH 44314 A+5.0 ★Texas Ratio: 5.44%	FHA, HELOC	2 +1 HELOCs	0.2%	66.7%	$155,000	View
Third Federal Savings and Loan 35592 Detroit Rd, Avon, OH 44011 A+5.0 ★Texas Ratio: 2.32%	Conventional, HELOC	2 +1 HELOCs	0.2%	50%	$135,000	View
Civista Bank 529 N Cleveland Massillon Rd, Akron, OH 44333 A+5.0 ★Texas Ratio: 4.72%	Conventional, FHA, HELOC	2 +1 HELOCs	0.2%	100%	$210,000	View
The Park National Bank 1187 W Ohio Pike, Amelia, OH 45102 A5.0 ★Texas Ratio: 6.62%	Conventional	2	0.2%	100%	$110,000	View
General Electric Credit Union 11370 Reed Hartman Hwy, Blue Ash, OH 45241 A5.0 ★Texas Ratio: 6.06%	Conventional, HELOC	1 +2 HELOCs	0.1%	100%	$325,000	View
Unity Catholic FCU 1500 Pearl Rd, Brunswick, OH 44212 A5.0 ★Texas Ratio: 6.50%	Conventional	1	0.1%	100%	$215,000	View
Buckeye State Bank 101 E Main St, Bainbridge, OH 45612 A+5.0 ★Texas Ratio: 1.93%	FHA	1	0.1%	100%	$305,000	View
Lcnb National Bank 225 Upper Lewisburg Salem Rd, Brookville, OH 45309 A+5.0 ★Texas Ratio: 2.05%	Conventional	1	0.1%	100%	$475,000	View
Flagstar Bank NA 1 N Hawkins Ave, Akron, OH 44313 D3.3 ★Texas Ratio: 35.11%	FHA	1	0.1%	100%	$265,000	View
Monroe Federal Savings and Loan Association 8512 N Dixie Dr, Dayton, OH 45414 A+5.0 ★Texas Ratio: 2.24%	Conventional	1	0.1%	100%	$295,000	View
Pathways Financial Credit Union 1100 US Highway 52, Aberdeen, OH 45101 9377 A5.0 ★Texas Ratio: 6.10%	Conventional	1	0.1%	50%	$95,000	View
Farmers National Bank 310 W State St, Alliance, OH 44601 A+5.0 ★Texas Ratio: 5.45%	Conventional	1	0.1%	100%	$465,000	View
Warsaw Federal Savings and Loan Association 6570 Gracely Dr, Cincinnati, OH 45233 A5.0 ★Texas Ratio: 10.25%	Conventional	1	0.1%	100%	$125,000	View
Ohio Valley Bank 2145 Eastern Ave, Gallipolis, OH 45631 A5.0 ★Texas Ratio: 10.78%	Conventional	1	0.1%	100%	$445,000	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%	$175,000	View
The Twin Valley Bank 251 Washington Jackson Rd, Eaton, OH 45320 A+5.0 ★Texas Ratio: 2.86%	Conventional	1	0.1%	100%	$215,000	View
First National Bank of PA 3296 W Market St, Akron, OH 44333 A+5.0 ★Texas Ratio: 1.62%	Conventional	1	0.1%	100%	$245,000	View
CODE Credit union 4916 National Rd, Clayton, OH 45315 A+5.0 ★Texas Ratio: 4.49%	Conventional	1	0.1%	50%	$35,000	View
The Union Bank Company 1300 N Main St, Bowling Green, OH 43402 A+5.0 ★Texas Ratio: 0.68%	Conventional	1	0.1%	100%	$205,000	View
Liberty Savings Bank, FSB 2251 Rombach Ave, Wilmington, OH 45177 A5.0 ★Texas Ratio: 12.97%	HELOC	0 +1 HELOCs	0%	n/a		View
KH Credit Union 7740 Paragon Rd, Dayton, OH 45459 A+5.0 ★Texas Ratio: 1.33%	HELOC	0 +1 HELOCs	0%	n/a		View
Bridge Credit Union 425 Rona Pkwy, Brookville, OH 45309 1117	HELOC	0 +1 HELOCs	0%	0%		View
CrossCountry Mortgage, LLC	Conventional, FHA, VA, HELOC	32 +1 HELOCs	2.9%	100%	$190,312
Rapid Mortgage Company	Conventional, FHA	7	0.6%	100%	$236,428
Treadwell Credit Union A5.0 ★Texas Ratio: 7.47%	Conventional, HELOC	6 +1 HELOCs	0.5%	100%	$80,000	View
Union Home Mortgage Corp.	Conventional	5	0.5%	100%	$353,000
3rd Street Financial Corp	Conventional, FHA, VA	5	0.5%	100%	$221,000
T2 Financial LLC	Conventional	3	0.3%	100%	$238,333
Equity Resources Inc	Conventional	1	0.1%	100%	$185,000
Sibcy Cline Mortgage Services, Inc.	Conventional	1	0.1%	100%	$165,000
Liberty Home Mortgage Corp	Conventional	1	0.1%	100%	$185,000
Rocket Mortgage	Conventional, FHA, VA	79	7.2%	85.4%	$184,367
United Wholesale Mortgage	Conventional, FHA, VA	38	3.5%	95.2%	$228,421
Primelending	Conventional, FHA, VA	33	3%	100%	$205,000
Das Acquisition Company, LLC	Conventional, FHA, VA	28	2.6%	100%	$215,714
Mortgage Research Center	VA	28	2.6%	78.4%	$275,000
Cornerstone First Mortgage, LLC	Conventional, FHA, VA	25	2.3%	100%	$183,800
Freedom Mortgage Corporation	FHA, VA	22	2%	92.6%	$260,909
New American Funding, LLC.	Conventional, FHA	21	1.9%	100%	$170,238
Guaranteed Rate, Inc.	Conventional, FHA, VA, Jumbo, HELOC	19 +1 HELOCs	1.7%	86.4%	$268,157
First Community Mortgage, Inc. A+5.0 ★Texas Ratio: 0.38%	Conventional, FHA, VA	19	1.7%	95.5%	$216,578	View
Pennymac Loan Services LLC	Conventional, FHA, VA	17	1.5%	81%	$172,058
Navy Federal Credit Union A5.0 ★Texas Ratio: 8.14%	Conventional, VA, HELOC	16 +3 HELOCs	1.5%	100%	$245,000
loanDepot.com LLC	Conventional, FHA, VA, HELOC	13 +1 HELOCs	1.2%	100%	$160,384
Nationstar Mortgage	Conventional	13	1.2%	100%	$98,846
Ruoff Mortgage Company	Conventional, FHA, VA	11	1%	100%	$235,909
Newrez LLC	Conventional, FHA, VA	9	0.8%	56.2%	$232,777
Usaa Federal Savings Bank B-3.5 ★Texas Ratio: 6.80%	Conventional, VA	9	0.8%	81.8%	$256,111	View
Goodleap, LLC	Conventional, FHA, VA	7	0.6%	100%	$173,571
Howard Hanna Financial Services, Inc	Conventional, FHA, VA	7	0.6%	100%	$210,714
Nfm, Inc	Conventional, FHA, VA	7	0.6%	100%	$207,857
Fairway Independent Mort Corp	Conventional, FHA, VA	7	0.6%	100%	$267,857
Residential Wholesale Mortgage	Conventional, FHA, VA	6	0.5%	100%	$216,666
Tjc Mortgage Inc	Conventional, FHA, VA	6	0.5%	100%	$250,000
Geneva Financial LLC	Conventional, FHA, VA	5	0.5%	100%	$219,000
Polaris Home Funding Corp.	Conventional, FHA	4	0.4%	83.3%	$150,000
Gateway First Bank B+4.8 ★Texas Ratio: 17.16%	Conventional, FHA	4	0.4%	100%	$167,500	View
Zillow Home Loans, LLC	Conventional, FHA	4	0.4%	100%	$185,000
Carrington Mortgage Services LLC	Conventional, FHA, VA	4	0.4%	46.2%	$202,500
Ark-La-Tex Financial Services LLC	Conventional, VA	4	0.4%	100%	$285,000
Amerisave Mortgage Company	Conventional, FHA	3	0.3%	21.4%	$88,333
Guild Mortgage Company	Conventional, FHA	3	0.3%	100%	$205,000
Cmg Mortgage Inc	FHA, VA	3	0.3%	100%	$241,666
First Colony Mortgage Corporat	Conventional, VA	3	0.3%	100%	$225,000
New Day Financial, LLC.	VA	3	0.3%	66.7%	$245,000
Planet Home Lending, LLC	FHA	3	0.3%	75%	$218,333
American Pacific Mortgage Corporation	Conventional	3	0.3%	100%	$141,666
Better Mortgage Corporation	Conventional, FHA	3	0.3%	75%	$171,666
Lower, LLC	Conventional, FHA	3	0.3%	75%	$258,333
Spring Eq, LLC	Conventional	3	0.3%	42.9%	$61,666
Village Capital & Investment	VA	3	0.3%	85.7%	$191,666
American Financial Resources LLC	Conventional	2	0.2%	100%	$215,000
Primary Residential Mortgage, INC.	FHA, VA	2	0.2%	100%	$275,000
Lakeview Loan Servicing, LLC	FHA	2	0.2%	42.9%	$290,000
AmeriHome Mortgage Company, LLC	Conventional, FHA	2	0.2%	100%	$235,000
Bayshore Mortgage Funding	Conventional	2	0.2%	100%	$215,000
Discover Bank	Conventional	2	0.2%	22.2%	$45,000
VanDyk Mortgage Corporation	Conventional, FHA	2	0.2%	100%	$245,000
Provident Funding Associates	Conventional	2	0.2%	100%	$245,000
Mortgage Solutions of Colorado	VA	2	0.2%	100%	$230,000
Mutual of Omaha Mortgage	Conventional, VA	2	0.2%	66.7%	$195,000
Sofi Bank, National Association A+5.0 ★Texas Ratio: 0.51%	Conventional	2	0.2%	66.7%	$225,000	View
Plaza Home Mortgage, Inc	Conventional, VA	2	0.2%	100%	$230,000
Leaderone Financial Corp.	FHA	2	0.2%	100%	$255,000
HomeBridge Financial Services, Inc	Conventional, HELOC	1 +3 HELOCs	0.1%	100%	$245,000
The Loan Store, Inc	Conventional, HELOC	1 +1 HELOCs	0.1%	100%	$115,000
Genisys Credit Union	Conventional	1	0.1%	100%	$265,000
Royal United Mortgage LLC	Conventional	1	0.1%	100%	$65,000
MortgageOne, Inc	VA	1	0.1%	100%	$225,000
Gvc Mortgage, Inc.	Conventional	1	0.1%	100%	$145,000
Kind Lending, LLC	VA	1	0.1%	100%	$195,000
Tower Federal Credit Union	Conventional	1	0.1%	100%	$135,000
M&T Bank A+5.0 ★Texas Ratio: 4.11%	VA	1	0.1%	100%	$285,000	View
Resicentral LLC	Conventional	1	0.1%	100%	$305,000
American Financial Network, Inc.	Conventional	1	0.1%	100%	$205,000
AmWest Funding Corp	Conventional	1	0.1%	100%	$135,000
Sun West Mortgage Company, Inc	Conventional	1	0.1%	100%	$155,000
Credit Union Mortgage Associat A+5.0 ★Texas Ratio: 3.45%	Conventional	1	0.1%	100%	$155,000	View
American Financing Corporation	FHA	1	0.1%	100%	$195,000
Service Federal Credit Union	Conventional	1	0.1%	33.3%	$35,000
Cardinal Financial Company, Li	Conventional	1	0.1%	100%	$215,000
All In Credit Union	Conventional	1	0.1%	100%	$315,000
First National Bank Texas A4.7 ★Texas Ratio: 3.20%	VA	1	0.1%	100%	$205,000	View
Churchill Mortgage Corporation	Conventional	1	0.1%	100%	$145,000
Armed Forces Bank, N.A. A+5.0 ★Texas Ratio: 4.81%	Conventional	1	0.1%	100%	$205,000	View
Nvr Mortgage Finance, Inc.	Conventional	1	0.1%	100%	$155,000
SouthStar Bank SSB ★ 5 stars, 1 review A5.0 ★Texas Ratio: 7.03%	Conventional	1	0.1%	100%	$125,000	View
Wells Fargo Bank NA A+5.0 ★Texas Ratio: 5.36%	Conventional	1	0.1%	100%	$135,000	View
Baxter Credit Union A5.0 ★Texas Ratio: 6.31%	Conventional	1	0.1%	50%	$255,000
Mission Loans, LLC	Conventional	1	0.1%	100%	$125,000
Pike Creek Mortgage Services, Inc.	Conventional	1	0.1%	100%	$235,000
Endeavor Capital, LLC	FHA	1	0.1%	100%	$225,000
Citadel Servicing Corporation	Conventional	1	0.1%	100%	$255,000
Purdue Federal Cu	Conventional	1	0.1%	100%	$245,000
Ussfcu	Conventional	1	0.1%	100%	$55,000
Merchants Bank of Indiana A5.0 ★Texas Ratio: 11.97%	Conventional	1	0.1%	100%	$155,000	View
Right Start Mortgage, Inc	FHA	1	0.1%	100%	$215,000
Morgan Stanley Private Bank NA A4.8 ★Texas Ratio: 2.45%	Conventional	1	0.1%	100%	$235,000	View
The Federal Savings Bank B+4.8 ★Texas Ratio: 16.98%	Conventional	1	0.1%	50%	$245,000	View
Goprime Mortgage, Inc.	VA	1	0.1%	100%	$175,000
Figure Lending LLC	HELOC	0 +13 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 +4 HELOCs	0%	n/a
Alliant Credit Union A+5.0 ★Texas Ratio: 3.22%	HELOC	0 +1 HELOCs	0%	n/a		View
Guaranteed Rate Affinity, LLC	HELOC	0 +1 HELOCs	0%	n/a
Quorum Federal Credit Union	HELOC	0 +1 HELOCs	0%	n/a
Nrl Federal Credit Union	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.

Kettering 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 Kettering, Ohio

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

Types of Mortgage Lenders in Kettering, OH

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

Mortgage companies and brokers 77 lenders. Nonbank lenders and brokers that shop several wholesale lenders; often the fastest closings Banks 42 lenders. Local and national banks with branches, portfolio and jumbo loans, and an MBR health grade Credit unions 24 lenders. Member owned, often lower fees and flexible underwriting for members FHA lenders 53 lenders. 3.5 percent down and credit scores into the 500s; the usual route for bad credit or low down payment buyers VA lenders 44 lenders. No down payment and no mortgage insurance for eligible veterans and service members Jumbo lenders 4 lenders. Loans above the conforming limit for higher priced homes Local lenders based in OH 41 lenders headquartered in Ohio, the closest thing to a mortgage lender near you

Who Lends in Kettering, OH

Independent mortgage companies closed 46.8 percent of home loans in Kettering, Ohio in 2025, banks 30.8 percent and credit unions 22.4 percent. CrossCountry Mortgage, LLC was the largest mortgage company, JPMorgan Chase Bank, NA the largest bank and Day Air Credit Union the largest credit union. Among lenders headquartered in Ohio, Day Air Credit Union led with 62 loans.

46.8%

Mortgage companies

30.8%

Banks

22.4%

Credit unions

17%

FHA loans

14%

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 Kettering, OH

Who is the largest mortgage lender in Kettering, OH?

By home loans closed in 2025, Day Air Credit Union was the largest mortgage lender in Kettering, Ohio with 62 loans, about 5.6 percent of the market. Source: Home Mortgage Disclosure Act data for 2025, published by the FFIEC and CFPB.

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

Among lenders with meaningful volume in Kettering, Ohio, Union Savings Bank approved the highest share of completed applications in 2025 at 96.6 percent, against a 86.2 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 Kettering, OH mortgage lenders offer FHA, VA and USDA loans?

53 lenders closed FHA loans in Kettering, Ohio in 2025, led by Rocket Mortgage with 23. 44 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 Kettering, OH lender list?

Yes. 42 banks and 24 credit unions closed home loans in Kettering, Ohio in 2025, alongside 77 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 Kettering, OH ranked on this page?

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