Mortgage Lenders and Brokers in Xenia, 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
Xenia, Ohio mortgage lenders include Old Fort Banking CompanyOld Fort Banking Company88 S Progress Dr, Xenia, OH 45385A+4.8 ★Texas Ratio: 1.69%, Huntington National BankHuntington National Bank194 N Detroit St, Xenia, OH 45385A+5.0 ★Texas Ratio: 3.66%, Fifth Third Bank, National AssociationFifth Third Bank, National Association1700 W Park Sq, Xenia, OH 45385A+5.0 ★Texas Ratio: 3.22%, JPMorgan Chase Bank, NAJPMorgan Chase Bank, NA306 W 2nd St, Xenia, OH 45385A+5.0 ★Texas Ratio: 3.68%, US Bank, N.A.US Bank, N.A.290 Xenia Towne Sq, Xenia, OH 45385A+5.0 ★Texas Ratio: 2.85%, PNC Bank N.A.PNC Bank N.A.98 Hospitality Dr, Xenia, OH 45385A+5.0 ★Texas Ratio: 4.24%, The Park National BankThe Park National Bank161 E Main St, Xenia, OH 45385A5.0 ★Texas Ratio: 6.62%, Keybank National AssociationKeybank National Association120 N Detroit St, Xenia, OH 45385A+5.0 ★Texas Ratio: 4.81%, Wright Patt Credit Union IncWright Patt Credit Union Inc1636 W Park Sq, Xenia, OH 45385 2669A5.0 ★Texas Ratio: 6.22%, and Union Savings BankUnion Savings Bank100 E Market St, Xenia, OH 45385. 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 Xenia, Ohio in 2025, as reported under the federal Home Mortgage Disclosure Act. No lender pays for a higher spot. Lenders based in Xenia 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 Xenia, Ohio
Market share is the lender's share of all home loans closed in Xenia, 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 Xenia 88 S Progress Dr, Xenia, OH 45385 A+4.8 ★Texas Ratio: 1.69% |
Conventional | 32 | 4.4% | 97.1% | $183,437 | View |
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1 office in Xenia 194 N Detroit St, Xenia, OH 45385 A+5.0 ★Texas Ratio: 3.66% |
Conventional, FHA, VA, HELOC | 22 +20 HELOCs |
3% | 95.8% | $159,545 | View |
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1 office in Xenia 1700 W Park Sq, Xenia, OH 45385 A+5.0 ★Texas Ratio: 3.22% |
Conventional, FHA, HELOC | 15 +22 HELOCs |
2.1% | 83.3% | $113,666 | View |
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1 office in Xenia 306 W 2nd St, Xenia, OH 45385 A+5.0 ★Texas Ratio: 3.68% |
Conventional, FHA, HELOC | 12 +1 HELOCs |
1.7% | 92.3% | $223,333 | View |
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1 office in Xenia 290 Xenia Towne Sq, Xenia, OH 45385 A+5.0 ★Texas Ratio: 2.85% |
Conventional, FHA, VA, HELOC | 10 +6 HELOCs |
1.4% | 66.7% | $137,000 | View |
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★ 1.7 stars, 3 reviews 1 office in Xenia 98 Hospitality Dr, Xenia, OH 45385 A+5.0 ★Texas Ratio: 4.24% |
Conventional, FHA, HELOC | 4 +8 HELOCs |
0.6% | 100% | $152,500 | View |
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1 office in Xenia 161 E Main St, Xenia, OH 45385 A5.0 ★Texas Ratio: 6.62% |
Conventional | 3 | 0.4% | 50% | $71,666 | View |
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1 office in Xenia 120 N Detroit St, Xenia, OH 45385 A+5.0 ★Texas Ratio: 4.81% |
Conventional | 2 | 0.3% | 66.7% | $185,000 | View |
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1636 W Park Sq, Xenia, OH 45385 2669 A5.0 ★Texas Ratio: 6.22% |
Conventional, FHA, VA, HELOC | 73 +54 HELOCs |
10.1% | 74.3% | $149,383 | View |
Union Savings Bank
100 E Market St, Xenia, OH 45385 |
Conventional, FHA, VA, HELOC | 49 +6 HELOCs |
6.8% | 98% | $182,959 | |
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2089 Dayton Xenia Rd, Beavercreek, OH 45434 7156 A+5.0 ★Texas Ratio: 4.81% |
Conventional, HELOC | 16 +5 HELOCs |
2.2% | 94.1% | $113,125 | View |
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2923 Smith Rd, Akron, OH 44333 A+5.0 ★Texas Ratio: 3.21% |
Conventional, HELOC | 6 +2 HELOCs |
0.8% | 75% | $81,666 | View |
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1095 S Main St, Centerville, OH 45458 A+5.0 ★Texas Ratio: 4.63% |
Conventional | 5 | 0.7% | 100% | $211,000 | View |
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20 E Stimson Ave, Athens, OH 45701 A+5.0 ★Texas Ratio: 4.14% |
Conventional | 4 | 0.6% | 100% | $310,000 | View |
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35592 Detroit Rd, Avon, OH 44011 A+5.0 ★Texas Ratio: 2.32% |
Conventional | 3 | 0.4% | 100% | $151,666 | View |
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3927 Indian Ripple Rd, Dayton, OH 45440 3449 A+5.0 ★Texas Ratio: 2.96% |
Conventional | 2 | 0.3% | 100% | $55,000 | View |
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158 E Cuyahoga Falls Ave, Akron, OH 44310 A+5.0 ★Texas Ratio: 3.39% |
Conventional | 2 | 0.3% | 100% | $90,000 | View |
New Carlisle Federal Savings Bank
400 N Main St, New Carlisle, OH 45344 |
Conventional | 2 | 0.3% | 75% | $195,000 | |
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2450 Esquire Dr, Beavercreek, OH 45431 2573 A+5.0 ★Texas Ratio: 5.33% |
Conventional, HELOC | 1 +1 HELOCs |
0.1% | 50% | $45,000 | View |
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1100 US Highway 52, Aberdeen, OH 45101 9377 A5.0 ★Texas Ratio: 6.10% |
Conventional | 1 | 0.1% | 100% | $215,000 | View |
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11333 Princeton Pike, Cincinnati, OH 45246 A+5.0 ★Texas Ratio: 1.35% |
Conventional | 1 | 0.1% | 100% | $185,000 | View |
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200 E State St, Georgetown, OH 45121 A5.0 ★Texas Ratio: 7.26% |
Conventional | 1 | 0.1% | 100% | $155,000 | View |
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11370 Reed Hartman Hwy, Blue Ash, OH 45241 A5.0 ★Texas Ratio: 6.06% |
Conventional | 1 | 0.1% | 100% | $215,000 | View |
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3296 W Market St, Akron, OH 44333 A+5.0 ★Texas Ratio: 1.62% |
Conventional | 1 | 0.1% | 100% | $195,000 | View |
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529 N Cleveland Massillon Rd, Akron, OH 44333 A+5.0 ★Texas Ratio: 4.72% |
Conventional | 1 | 0.1% | 50% | $175,000 | 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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760 Kinnear Rd, Columbus, OH 43212 1488 A+5.0 ★Texas Ratio: 3.12% |
HELOC | 0 +1 HELOCs |
0% | n/a | View | |
CrossCountry Mortgage, LLC
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Conventional, FHA, VA, HELOC | 30 +2 HELOCs |
4.1% | 96.8% | $205,666 | |
Union Home Mortgage Corp.
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Conventional, FHA, HELOC | 11 +1 HELOCs |
1.5% | 100% | $170,454 | |
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A5.0 ★Texas Ratio: 7.47% |
Conventional | 2 | 0.3% | 100% | $155,000 | View |
T2 Financial LLC
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Conventional | 2 | 0.3% | 100% | $180,000 | |
3rd Street Financial Corp
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VA | 1 | 0.1% | 100% | $325,000 | |
Rocket Mortgage
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Conventional, FHA, VA | 56 | 7.7% | 77% | $159,821 | |
Nvr Mortgage Finance, Inc.
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Conventional, FHA, VA | 46 | 6.4% | 92% | $345,434 | |
DHI Mortgage Company, LTD.
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Conventional, FHA, VA | 44 | 6.1% | 84.6% | $331,590 | |
loanDepot.com LLC
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Conventional, FHA, VA, HELOC | 18 +1 HELOCs |
2.5% | 90% | $137,777 | |
Mortgage Research Center
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Conventional, FHA, VA | 17 | 2.4% | 66.7% | $252,647 | |
Freedom Mortgage Corporation
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Conventional, FHA, VA | 14 | 1.9% | 93.8% | $219,285 | |
New American Funding, LLC.
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Conventional, FHA, VA | 13 | 1.8% | 92.9% | $174,230 | |
United Wholesale Mortgage
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Conventional, FHA, VA | 12 | 1.7% | 86.7% | $265,000 | |
Pennymac Loan Services LLC
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Conventional, FHA, VA | 12 | 1.7% | 92.3% | $200,833 | |
Guaranteed Rate, Inc.
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Conventional, FHA, VA | 11 | 1.5% | 100% | $213,181 | |
Primelending
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Conventional, FHA, VA | 11 | 1.5% | 100% | $185,000 | |
Cornerstone First Mortgage, LLC
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Conventional, FHA, VA, USDA | 10 | 1.4% | 100% | $204,000 | |
Howard Hanna Financial Services, Inc
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Conventional, FHA | 10 | 1.4% | 100% | $205,000 | |
Fairway Independent Mort Corp
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Conventional, FHA, VA | 10 | 1.4% | 83.3% | $121,000 | |
Newrez LLC
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Conventional, FHA, VA | 9 | 1.2% | 64.3% | $183,888 | |
Das Acquisition Company, LLC
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Conventional, FHA, VA | 9 | 1.2% | 90.9% | $239,444 | |
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A5.0 ★Texas Ratio: 8.14% |
Conventional, VA, HELOC | 8 +1 HELOCs |
1.1% | 88.9% | $203,750 | |
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A+5.0 ★Texas Ratio: 0.38% |
Conventional, FHA, VA | 7 | 1% | 100% | $237,857 | View |
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B+4.8 ★Texas Ratio: 17.16% |
Conventional, FHA | 6 | 0.8% | 100% | $153,333 | View |
Nationstar Mortgage
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Conventional | 6 | 0.8% | 77.8% | $105,000 | |
Goodleap, LLC
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Conventional, FHA, HELOC | 4 +1 HELOCs |
0.6% | 66.7% | $150,000 | |
Spring Eq, LLC
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Conventional, HELOC | 3 +3 HELOCs |
0.4% | 33.3% | $65,000 | |
Ruoff Mortgage Company
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Conventional, FHA | 3 | 0.4% | 100% | $348,333 | |
Lakeview Loan Servicing, LLC
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Conventional, FHA | 3 | 0.4% | 100% | $125,000 | |
ClearPath Lending
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VA | 3 | 0.4% | 100% | $275,000 | |
Nfm, Inc
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Conventional, FHA | 3 | 0.4% | 100% | $258,333 | |
New Day Financial, LLC.
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VA | 3 | 0.4% | 42.9% | $125,000 | |
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A+5.0 ★Texas Ratio: 5.36% |
Conventional | 3 | 0.4% | 75% | $138,333 | View |
Zillow Home Loans, LLC
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Conventional, FHA, VA | 3 | 0.4% | 100% | $218,333 | |
Mutual of Omaha Mortgage
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Conventional | 3 | 0.4% | 60% | $281,666 | |
Lower, LLC
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Conventional | 3 | 0.4% | 60% | $225,000 | |
Paramount Residential Mortgage
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Conventional, FHA | 3 | 0.4% | 100% | $235,000 | |
Residential Wholesale Mortgage
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Conventional, VA | 2 | 0.3% | 100% | $155,000 | |
Primary Residential Mortgage, INC.
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Conventional | 2 | 0.3% | 100% | $155,000 | |
Guild Mortgage Company
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Conventional, FHA | 2 | 0.3% | 100% | $85,000 | |
American Pacific Mortgage Corporation
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Conventional | 2 | 0.3% | 100% | $180,000 | |
Nations Direct Mortgage, LLC
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Conventional, FHA | 2 | 0.3% | 100% | $85,000 | |
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B+4.8 ★Texas Ratio: 16.98% |
Conventional, VA | 2 | 0.3% | 100% | $140,000 | View |
Carrington Mortgage Services LLC
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Conventional, FHA | 2 | 0.3% | 50% | $95,000 | |
HomeBridge Financial Services, Inc
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FHA, HELOC | 1 +1 HELOCs |
0.1% | 100% | $255,000 | |
Polaris Home Funding Corp.
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Conventional | 1 | 0.1% | 100% | $125,000 | |
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A5.0 ★Texas Ratio: 8.01% |
VA | 1 | 0.1% | 100% | $145,000 | View |
EMM Loans LLC
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Conventional | 1 | 0.1% | 100% | $265,000 | |
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★ 5 stars, 1 review A+5.0 ★Texas Ratio: 5.76% |
Conventional | 1 | 0.1% | 100% | $205,000 | View |
Gvc Mortgage, Inc.
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VA | 1 | 0.1% | 100% | $175,000 | |
Kind Lending, LLC
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VA | 1 | 0.1% | 100% | $465,000 | |
AmeriHome Mortgage Company, LLC
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FHA | 1 | 0.1% | 100% | $405,000 | |
Movement Mortgage, LLC
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FHA | 1 | 0.1% | 100% | $425,000 | |
PHH Mortgage Corporation
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Conventional | 1 | 0.1% | 100% | $195,000 | |
Amerisave Mortgage Company
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Conventional | 1 | 0.1% | 16.7% | $35,000 | |
AdvantageFirst Lending Inc
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VA | 1 | 0.1% | 100% | $395,000 | |
Cmg Mortgage Inc
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Conventional | 1 | 0.1% | 100% | $345,000 | |
Click n' Close, Inc.
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VA | 1 | 0.1% | 100% | $195,000 | |
VanDyk Mortgage Corporation
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Conventional | 1 | 0.1% | 100% | $385,000 | |
American Financing Corporation
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FHA | 1 | 0.1% | 33.3% | $165,000 | |
American Internet Mortgage, Inc.
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Conventional | 1 | 0.1% | 100% | $455,000 | |
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B-3.5 ★Texas Ratio: 6.80% |
VA | 1 | 0.1% | 25% | $325,000 | View |
Lendsure Mortgage Corp.
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Conventional | 1 | 0.1% | 100% | $655,000 | |
Tjc Mortgage Inc
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VA | 1 | 0.1% | 100% | $195,000 | |
Better Mortgage Corporation
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Conventional | 1 | 0.1% | 50% | $175,000 | |
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A5.0 ★Texas Ratio: 8.91% |
Conventional | 1 | 0.1% | 100% | $165,000 | View |
The Loan Store, Inc
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FHA | 1 | 0.1% | 100% | $195,000 | |
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A5.0 ★Texas Ratio: 11.97% |
Conventional | 1 | 0.1% | 100% | $175,000 | View |
Vanderbilt Mortgage and Finance, Inc
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Conventional | 1 | 0.1% | 50% | $255,000 | |
Ark-La-Tex Financial Services LLC
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Conventional | 1 | 0.1% | 100% | $125,000 | |
Top Flite Financial, Inc.
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FHA | 1 | 0.1% | 100% | $325,000 | |
American Neighborhood Mortgage Acceptance Company
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VA | 1 | 0.1% | 100% | $305,000 | |
Figure Lending LLC
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HELOC | 0 +4 HELOCs |
0% | n/a | ||
Lendage, LLC dba Achieve Loans
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HELOC | 0 +3 HELOCs |
0% | n/a | ||
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B4.5 ★Texas Ratio: 20.96% |
HELOC | 0 +1 HELOCs |
0% | n/a | View |
Xenia 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 Xenia, Ohio
Looking for mortgage lenders near me or mortgage brokers near me in Xenia? The list below shows the banks, credit unions and mortgage brokers that closed home loans in Xenia in 2025, with lenders based there listed first.
Types of Mortgage Lenders in Xenia, OH
Use these to narrow the list above. Each category shows how many Xenia, OH lenders fit and what that kind of lender is usually best for.
Who Lends in Xenia, OH
Independent mortgage companies closed 56.8 percent of home loans in Xenia, Ohio in 2025, banks 28.8 percent and credit unions 14.4 percent. CrossCountry Mortgage, LLC was the largest mortgage company, Old Fort Banking Company the largest bank and Wright Patt Credit Union Inc the largest credit union. Among lenders headquartered in Ohio, Old Fort Banking Company led with 32 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 Xenia, OH
By home loans closed in 2025, Old Fort Banking Company was the largest mortgage lender in Xenia, Ohio with 32 loans, about 4.4 percent of the market. Source: Home Mortgage Disclosure Act data for 2025, published by the FFIEC and CFPB.
Among lenders with meaningful volume in Xenia, Ohio, Rocket Mortgage approved the highest share of completed applications in 2025 at 77 percent, against a 84.3 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.
42 lenders closed FHA loans in Xenia, Ohio in 2025, led by DHI Mortgage Company, LTD. with 12. 36 lenders closed VA loans, led by DHI Mortgage Company, LTD., and 1 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. 30 banks and 9 credit unions closed home loans in Xenia, Ohio in 2025, alongside 63 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 Xenia, 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 Xenia, 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 Xenia. 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.
