Mortgage Lenders and Brokers in Sidney, 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
Sidney, Ohio mortgage lenders include US Bank, N.A.US Bank, N.A.115 E Court St, Sidney, OH 45365A+5.0 ★Texas Ratio: 2.85%, JPMorgan Chase Bank, NAJPMorgan Chase Bank, NA134 E Poplar St, Sidney, OH 45365A+5.0 ★Texas Ratio: 3.68%, Fifth Third Bank, National AssociationFifth Third Bank, National Association2300 Michigan St, Sidney, OH 45365A+5.0 ★Texas Ratio: 3.22%, First Bank RichmondFirst Bank Richmond121 S Ohio Ave, Sidney, OH 45365A-4.9 ★Texas Ratio: 16.01%, PNC Bank N.A.PNC Bank N.A.2221 Michigan St, Sidney, OH 45365A+5.0 ★Texas Ratio: 4.24%, Universal 1 Credit Union Inc.Universal 1 Credit Union Inc.2835 Michigan St, Sidney, OH 45365 8622A+5.0 ★Texas Ratio: 5.33%, Minster BankMinster Bank117 W Russell Rd, Sidney, OH 45365A+5.0 ★Texas Ratio: 0.90%, Wright Patt Credit Union IncWright Patt Credit Union Inc1506 N Fairfield Rd, Beavercreek, OH 45432 2737A5.0 ★Texas Ratio: 6.22%, Superior Credit Union, Inc.Superior Credit Union, Inc.39 Oak St, Amelia, OH 45102A+5.0 ★Texas Ratio: 0.82%, and Honda Federal Credit UnionHonda Federal Credit Union12500 Meranda Rd, Anna, OH 45302 9604. 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 Sidney, Ohio in 2025, as reported under the federal Home Mortgage Disclosure Act. No lender pays for a higher spot. Lenders based in Sidney 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 Sidney, Ohio
Market share is the lender's share of all home loans closed in Sidney, 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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2 offices in Sidney 115 E Court St, Sidney, OH 45365 A+5.0 ★Texas Ratio: 2.85% |
Conventional, FHA, HELOC | 17 +10 HELOCs |
4.9% | 81.8% | $131,470 | View |
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1 office in Sidney 134 E Poplar St, Sidney, OH 45365 A+5.0 ★Texas Ratio: 3.68% |
Conventional, FHA, VA, HELOC | 17 +1 HELOCs |
4.9% | 85% | $170,882 | View |
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1 office in Sidney 2300 Michigan St, Sidney, OH 45365 A+5.0 ★Texas Ratio: 3.22% |
Conventional, FHA, HELOC | 8 +25 HELOCs |
2.3% | 64.3% | $166,250 | View |
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2 offices in Sidney 121 S Ohio Ave, Sidney, OH 45365 A-4.9 ★Texas Ratio: 16.01% |
Conventional | 6 | 1.7% | 87.5% | $116,666 | View |
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★ 1.7 stars, 3 reviews 1 office in Sidney 2221 Michigan St, Sidney, OH 45365 A+5.0 ★Texas Ratio: 4.24% |
Conventional, FHA, HELOC | 2 +9 HELOCs |
0.6% | 100% | $135,000 | View |
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2835 Michigan St, Sidney, OH 45365 8622 A+5.0 ★Texas Ratio: 5.33% |
Conventional, HELOC | 17 +7 HELOCs |
4.9% | 94.4% | $90,882 | View |
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117 W Russell Rd, Sidney, OH 45365 A+5.0 ★Texas Ratio: 0.90% |
Conventional | 9 | 2.6% | 100% | $213,888 | View |
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1506 N Fairfield Rd, Beavercreek, OH 45432 2737 A5.0 ★Texas Ratio: 6.22% |
Conventional, VA, HELOC | 8 +8 HELOCs |
2.3% | 80% | $130,000 | View |
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39 Oak St, Amelia, OH 45102 A+5.0 ★Texas Ratio: 0.82% |
Conventional, HELOC | 5 +1 HELOCs |
1.4% | 83.3% | $217,000 | View |
Honda Federal Credit Union
12500 Meranda Rd, Anna, OH 45302 9604 |
Conventional, HELOC | 4 +3 HELOCs |
1.1% | 57.1% | $57,500 | |
Union Savings Bank
1240 N Bridge Street, Chillicothe, OH 45601 |
Conventional, HELOC | 3 +4 HELOCs |
0.9% | 75% | $198,333 | |
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1187 W Ohio Pike, Amelia, OH 45102 A5.0 ★Texas Ratio: 6.62% |
Conventional | 3 | 0.9% | 100% | $138,333 | View |
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★ 4 stars, 1 review 101 E Court St, Sidney, OH 45365 A+5.0 ★Texas Ratio: 1.84% |
Conventional, HELOC | 2 +5 HELOCs |
0.6% | 66.7% | $150,000 | View |
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3421 Ridgewood Rd, Akron, OH 44333 A+5.0 ★Texas Ratio: 3.66% |
Conventional, HELOC | 2 +2 HELOCs |
0.6% | 100% | $150,000 | View |
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3296 W Market St, Akron, OH 44333 A+5.0 ★Texas Ratio: 1.62% |
Conventional | 2 | 0.6% | 100% | $145,000 | View |
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100 S Main St, Ansonia, OH 45303 A+5.0 ★Texas Ratio: 0.92% |
Conventional | 1 | 0.3% | 100% | $125,000 | View |
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102 S Main St, Bluffton, OH 45817 A+5.0 ★Texas Ratio: 5.51% |
Conventional | 1 | 0.3% | 100% | $155,000 | View |
New Carlisle Federal Savings Bank
400 N Main St, New Carlisle, OH 45344 |
Conventional | 1 | 0.3% | 100% | $105,000 | |
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529 N Cleveland Massillon Rd, Akron, OH 44333 A+5.0 ★Texas Ratio: 4.72% |
Conventional | 1 | 0.3% | 100% | $245,000 | View |
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1300 N Main St, Bowling Green, OH 43402 A+5.0 ★Texas Ratio: 0.68% |
Conventional | 1 | 0.3% | 100% | $85,000 | View |
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2147 East Ave, Akron, OH 44314 A+5.0 ★Texas Ratio: 5.44% |
HELOC | 0 +3 HELOCs |
0% | n/a | View | |
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2923 Smith Rd, Akron, OH 44333 A+5.0 ★Texas Ratio: 3.21% |
HELOC | 0 +1 HELOCs |
0% | n/a | View | |
Union Home Mortgage Corp.
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Conventional, FHA, VA, HELOC | 25 +2 HELOCs |
7.2% | 96.2% | $181,000 | |
CrossCountry Mortgage, LLC
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Conventional, FHA, VA, HELOC | 7 +1 HELOCs |
2% | 100% | $193,571 | |
myCUmortgage
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FHA | 1 | 0.3% | 100% | $185,000 | |
Rocket Mortgage
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Conventional, FHA, VA | 32 | 9.2% | 73.9% | $140,625 | |
Nvr Mortgage Finance, Inc.
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Conventional, FHA, VA | 28 | 8% | 80% | $248,928 | |
United Wholesale Mortgage
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Conventional, FHA, VA, USDA, HELOC | 17 +1 HELOCs |
4.9% | 85% | $199,117 | |
Freedom Mortgage Corporation
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Conventional, FHA, VA | 12 | 3.4% | 93.3% | $208,333 | |
loanDepot.com LLC
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Conventional, FHA, VA | 12 | 3.4% | 85.7% | $120,000 | |
Pennymac Loan Services LLC
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Conventional, FHA, VA, USDA | 12 | 3.4% | 80% | $142,500 | |
Mortgage Research Center
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VA | 9 | 2.6% | 55.6% | $259,444 | |
Nationstar Mortgage
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Conventional, FHA | 6 | 1.7% | 75% | $98,333 | |
Newrez LLC
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Conventional, USDA | 5 | 1.4% | 55.6% | $123,000 | |
New American Funding, LLC.
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Conventional, FHA, VA | 4 | 1.1% | 66.7% | $167,500 | |
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A5.0 ★Texas Ratio: 8.14% |
Conventional, VA, HELOC | 3 +2 HELOCs |
0.9% | 100% | $141,666 | |
Polaris Home Funding Corp.
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FHA, VA, USDA | 3 | 0.9% | 75% | $158,333 | |
Cornerstone First Mortgage, LLC
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Conventional | 3 | 0.9% | 100% | $165,000 | |
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A+5.0 ★Texas Ratio: 0.38% |
Conventional, VA, USDA | 3 | 0.9% | 100% | $165,000 | View |
Primelending
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Conventional, FHA | 3 | 0.9% | 100% | $115,000 | |
Howard Hanna Financial Services, Inc
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Conventional | 3 | 0.9% | 75% | $201,666 | |
Das Acquisition Company, LLC
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FHA | 3 | 0.9% | 100% | $155,000 | |
Spring Eq, LLC
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Conventional, HELOC | 2 +1 HELOCs |
0.6% | 40% | $65,000 | |
Royal United Mortgage LLC
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Conventional | 2 | 0.6% | 100% | $95,000 | |
Kind Lending, LLC
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Conventional, FHA | 2 | 0.6% | 66.7% | $90,000 | |
Sun West Mortgage Company, Inc
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Conventional, VA | 2 | 0.6% | 100% | $205,000 | |
Geneva Financial LLC
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Conventional, FHA | 2 | 0.6% | 100% | $180,000 | |
Towne Mortgage Company
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FHA, USDA | 2 | 0.6% | 66.7% | $155,000 | |
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B+4.8 ★Texas Ratio: 16.98% |
FHA, VA | 2 | 0.6% | 100% | $140,000 | View |
Carrington Mortgage Services LLC
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Conventional, VA | 2 | 0.6% | 66.7% | $115,000 | |
Village Capital & Investment
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VA, USDA | 2 | 0.6% | 100% | $190,000 | |
American Financial Resources LLC
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FHA | 1 | 0.3% | 100% | $195,000 | |
Goodleap, LLC
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FHA | 1 | 0.3% | 50% | $255,000 | |
Servion
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FHA | 1 | 0.3% | 100% | $215,000 | |
Lakeview Loan Servicing, LLC
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Conventional | 1 | 0.3% | 33.3% | $55,000 | |
Envoy Mortgage, Ltd
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Conventional | 1 | 0.3% | 100% | $195,000 | |
Equity Prime Mortgage LLC
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FHA | 1 | 0.3% | 100% | $205,000 | |
AmeriHome Mortgage Company, LLC
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Conventional | 1 | 0.3% | 100% | $245,000 | |
Loanunited.Com, LLC
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Conventional | 1 | 0.3% | 100% | $145,000 | |
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B+4.8 ★Texas Ratio: 17.16% |
Conventional | 1 | 0.3% | 100% | $105,000 | View |
Amerisave Mortgage Company
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Conventional | 1 | 0.3% | 10% | $125,000 | |
AdvantageFirst Lending Inc
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VA | 1 | 0.3% | 100% | $175,000 | |
Discover Bank
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Conventional | 1 | 0.3% | 33.3% | $65,000 | |
Mid-Continent Funding, Inc.
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VA | 1 | 0.3% | 100% | $155,000 | |
Nfm, Inc
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Conventional | 1 | 0.3% | 100% | $395,000 | |
New Day Financial, LLC.
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VA | 1 | 0.3% | 50% | $255,000 | |
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B-3.5 ★Texas Ratio: 6.80% |
VA | 1 | 0.3% | 100% | $355,000 | View |
Lendsure Mortgage Corp.
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Conventional | 1 | 0.3% | 100% | $525,000 | |
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A+5.0 ★Texas Ratio: 5.36% |
Conventional | 1 | 0.3% | 100% | $375,000 | View |
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A+5.0 ★Texas Ratio: 3.68% |
Conventional | 1 | 0.3% | 100% | $105,000 | View |
Lake Michigan Credit Union
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Conventional | 1 | 0.3% | 50% | $405,000 | |
Pentagon Federal Credit Union
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FHA | 1 | 0.3% | 100% | $265,000 | |
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A+5.0 ★Texas Ratio: 3.82% |
Conventional | 1 | 0.3% | 100% | $315,000 | View |
Endeavor Capital, LLC
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FHA | 1 | 0.3% | 100% | $155,000 | |
Zillow Home Loans, LLC
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FHA | 1 | 0.3% | 100% | $215,000 | |
Mutual of Omaha Mortgage
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FHA | 1 | 0.3% | 100% | $135,000 | |
Lower, LLC
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FHA | 1 | 0.3% | 100% | $185,000 | |
21St Mortgage
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Conventional | 1 | 0.3% | 8.3% | $55,000 | |
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A+5.0 ★Texas Ratio: 0.51% |
Conventional | 1 | 0.3% | 100% | $55,000 | View |
Reliance First Capital, LLC
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FHA | 1 | 0.3% | 100% | $195,000 | |
Top Flite Financial, Inc.
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FHA | 1 | 0.3% | 100% | $135,000 | |
Figure Lending LLC
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HELOC | 0 +4 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 | ||
HomeBridge Financial Services, Inc
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HELOC | 0 +2 HELOCs |
0% | n/a | ||
Quorum Federal Credit Union
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HELOC | 0 +1 HELOCs |
0% | n/a |
Sidney 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 Sidney, Ohio
Looking for mortgage lenders near me or mortgage brokers near me in Sidney? The list below shows the banks, credit unions and mortgage brokers that closed home loans in Sidney in 2025, with lenders based there listed first.
Types of Mortgage Lenders in Sidney, OH
Use these to narrow the list above. Each category shows how many Sidney, OH lenders fit and what that kind of lender is usually best for.
Who Lends in Sidney, OH
Independent mortgage companies closed 62.8 percent of home loans in Sidney, Ohio in 2025, banks 25.8 percent and credit unions 11.5 percent. Union Home Mortgage Corp. was the largest mortgage company, US Bank, N.A. the largest bank and Universal 1 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 Sidney, OH
By home loans closed in 2025, US Bank, N.A. was the largest mortgage lender in Sidney, Ohio with 17 loans, about 4.9 percent of the market. Source: Home Mortgage Disclosure Act data for 2025, published by the FFIEC and CFPB.
33 lenders closed FHA loans in Sidney, Ohio in 2025, led by Nvr Mortgage Finance, Inc. with 11. 23 lenders closed VA loans, led by Mortgage Research Center, and 7 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. 28 banks and 9 credit unions closed home loans in Sidney, Ohio in 2025, alongside 49 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 Sidney, 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 Sidney, 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 Sidney. 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.
