Mortgage Lenders and Brokers in Smithville, 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
Smithville, Ohio mortgage lenders include Farmers National BankFarmers National Bank153 E Main St, Smithville, OH 44677A+5.0 ★Texas Ratio: 5.45%, Huntington National BankHuntington National Bank3421 Ridgewood Rd, Akron, OH 44333A+5.0 ★Texas Ratio: 3.66%, The Commercial & Savings BankThe Commercial & Savings Bank4587 State Route 39, Berlin, OH 44610A+5.0 ★Texas Ratio: 5.57%, Directions Credit UnionDirections Credit Union1306 Cleveland Ave, Ashland, OH 44805A+5.0 ★Texas Ratio: 3.08%, Fifth Third Bank, National AssociationFifth Third Bank, National Association1308 North Reynolds Rd, Adams Township, OH 43615A+5.0 ★Texas Ratio: 3.22%, Main Street Bank CorpMain Street Bank Corp1055 Sugarbush Dr, Ashland, OH 44805A+5.0 ★Texas Ratio: 5.62%, Flagstar Bank NAFlagstar Bank NA1 N Hawkins Ave, Akron, OH 44313D3.3 ★Texas Ratio: 35.11%, Bridge Credit UnionBridge Credit Union425 Rona Pkwy, Brookville, OH 45309 1117, First Federal S&L of LakewoodFirst Federal S&L of Lakewood36839 Detroit Rd, Avon, OH 44011A+5.0 ★Texas Ratio: 4.66%, and Cfbank NACfbank NA10300 Alliance Rd, Cincinnati, OH 45242A+5.0 ★Texas Ratio: 5.55%. 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 Smithville, Ohio in 2025, as reported under the federal Home Mortgage Disclosure Act. No lender pays for a higher spot. Lenders based in Smithville 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 Smithville, Ohio
Market share is the lender's share of all home loans closed in Smithville, 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 Smithville 153 E Main St, Smithville, OH 44677 A+5.0 ★Texas Ratio: 5.45% |
Conventional, HELOC | 7 +7 HELOCs |
12.3% | 100% | $243,571 | View |
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3421 Ridgewood Rd, Akron, OH 44333 A+5.0 ★Texas Ratio: 3.66% |
Conventional, FHA, HELOC | 8 +11 HELOCs |
14% | 100% | $310,000 | View |
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4587 State Route 39, Berlin, OH 44610 A+5.0 ★Texas Ratio: 5.57% |
Conventional, Jumbo | 2 | 3.5% | 100% | $815,000 | View |
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1306 Cleveland Ave, Ashland, OH 44805 A+5.0 ★Texas Ratio: 3.08% |
Conventional, HELOC | 1 +3 HELOCs |
1.8% | 100% | $95,000 | View |
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1308 North Reynolds Rd, Adams Township, OH 43615 A+5.0 ★Texas Ratio: 3.22% |
Conventional, HELOC | 1 +1 HELOCs |
1.8% | 100% | $65,000 | View |
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1055 Sugarbush Dr, Ashland, OH 44805 A+5.0 ★Texas Ratio: 5.62% |
Conventional | 1 | 1.8% | 100% | $255,000 | View |
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1 N Hawkins Ave, Akron, OH 44313 D3.3 ★Texas Ratio: 35.11% |
FHA | 1 | 1.8% | 50% | $215,000 | View |
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425 Rona Pkwy, Brookville, OH 45309 1117 |
Conventional | 1 | 1.8% | 100% | $35,000 | View |
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36839 Detroit Rd, Avon, OH 44011 A+5.0 ★Texas Ratio: 4.66% |
Conventional | 1 | 1.8% | 100% | $195,000 | View |
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★ 1 stars, 1 review 10300 Alliance Rd, Cincinnati, OH 45242 A+5.0 ★Texas Ratio: 5.55% |
Conventional | 1 | 1.8% | 100% | $265,000 | View |
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★ 1.7 stars, 3 reviews 35 Montrose West Ave, Akron, OH 44321 A+5.0 ★Texas Ratio: 4.24% |
HELOC | 0 +2 HELOCs |
0% | n/a | View | |
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528 S Main St, Ada, OH 45810 A+5.0 ★Texas Ratio: 2.85% |
HELOC | 0 +1 HELOCs |
0% | n/a | View | |
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1249 Canton Rd, Akron, OH 44312 A+5.0 ★Texas Ratio: 3.68% |
HELOC | 0 +1 HELOCs |
0% | n/a | View | |
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2147 East Ave, Akron, OH 44314 A+5.0 ★Texas Ratio: 5.44% |
HELOC | 0 +1 HELOCs |
0% | n/a | View | |
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1135 W Ohio Pike, Amelia, OH 45102 1240 A+5.0 ★Texas Ratio: 3.32% |
HELOC | 0 +1 HELOCs |
0% | n/a | View | |
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1187 W Ohio Pike, Amelia, OH 45102 A5.0 ★Texas Ratio: 6.62% |
HELOC | 0 +1 HELOCs |
0% | n/a | View | |
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35592 Detroit Rd, Avon, OH 44011 A+5.0 ★Texas Ratio: 2.32% |
HELOC | 0 +1 HELOCs |
0% | n/a | View | |
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3296 W Market St, Akron, OH 44333 A+5.0 ★Texas Ratio: 1.62% |
HELOC | 0 +1 HELOCs |
0% | n/a | View | |
CrossCountry Mortgage, LLC
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Conventional, FHA, HELOC | 6 +1 HELOCs |
10.5% | 100% | $223,333 | |
Union Home Mortgage Corp.
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Conventional, FHA | 3 | 5.3% | 100% | $248,333 | |
myCUmortgage
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Conventional | 1 | 1.8% | 50% | $205,000 | |
The Equitable Mortgage Corporation
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Conventional | 1 | 1.8% | 100% | $165,000 | |
Liberty Home Mortgage Corp
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Conventional | 1 | 1.8% | 100% | $275,000 | |
Rocket Mortgage
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Conventional, FHA | 6 | 10.5% | 85.7% | $201,666 | |
United Wholesale Mortgage
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Conventional, FHA | 2 | 3.5% | 100% | $235,000 | |
United Trust Bank
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Conventional, VA | 2 | 3.5% | 100% | $320,000 | |
Polaris Home Funding Corp.
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Conventional | 1 | 1.8% | 100% | $165,000 | |
Guaranteed Rate, Inc.
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Conventional | 1 | 1.8% | 100% | $215,000 | |
ALCOVA Mortgage, LLC
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FHA | 1 | 1.8% | 100% | $355,000 | |
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A+5.0 ★Texas Ratio: 5.36% |
FHA | 1 | 1.8% | 100% | $235,000 | View |
American Pacific Mortgage Corporation
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FHA | 1 | 1.8% | 100% | $225,000 | |
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A-4.8 ★Texas Ratio: 12.33% |
Conventional | 1 | 1.8% | 100% | $165,000 | View |
Nationstar Mortgage
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Conventional | 1 | 1.8% | 100% | $45,000 | |
Mortgage Research Center
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VA | 1 | 1.8% | 50% | $195,000 | |
21St Mortgage
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Conventional | 1 | 1.8% | 50% | $145,000 | |
Carrington Mortgage Services LLC
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FHA | 1 | 1.8% | 100% | $175,000 | |
Spring Eq, LLC
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Conventional | 1 | 1.8% | 50% | $55,000 | |
HomeBridge Financial Services, Inc
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HELOC | 0 +1 HELOCs |
0% | n/a | ||
Mutual of Omaha Mortgage
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HELOC | 0 +1 HELOCs |
0% | n/a |
Smithville 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 Smithville, Ohio
Looking for mortgage lenders near me or mortgage brokers near me in Smithville? The list below shows the banks, credit unions and mortgage brokers that closed home loans in Smithville in 2025, with lenders based there listed first.
Types of Mortgage Lenders in Smithville, OH
Use these to narrow the list above. Each category shows how many Smithville, OH lenders fit and what that kind of lender is usually best for.
Who Lends in Smithville, OH
Independent mortgage companies closed 49.1 percent of home loans in Smithville, Ohio in 2025, banks 45.6 percent and credit unions 5.3 percent. CrossCountry Mortgage, LLC was the largest mortgage company, Farmers National Bank the largest bank and Directions Credit Union the largest credit union. Among lenders headquartered in Ohio, Farmers National Bank led with 7 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 Smithville, OH
By home loans closed in 2025, Farmers National Bank was the largest mortgage lender in Smithville, Ohio with 7 loans, about 12.3 percent of the market. Source: Home Mortgage Disclosure Act data for 2025, published by the FFIEC and CFPB.
10 lenders closed FHA loans in Smithville, Ohio in 2025, led by Rocket Mortgage with 3. 2 lenders closed VA loans, led by United Trust Bank. 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. 18 banks and 4 credit unions closed home loans in Smithville, Ohio in 2025, alongside 17 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 Smithville, 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 Smithville, 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 Smithville. 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.
