🛡️
Safe Rate's TrueRank Guarantee
Our rankings are earned, not bought. We analyze 2,347 lenders using federal HMDA data—no pay-to-play, no cherry-picking. You see the best options based on performance metrics, not advertising dollars.
Best Mortgage Lenders in Cincinnati
Updated February 5, 2026
Market Overview
178
Total Lenders
29,097
Total Loans
0.37%
Median Rate Spread
| Rank | Lender | Overall | Pricing | Pull Through | Place | Avg Fees | Spread | Volume | Action |
|---|---|---|---|---|---|---|---|---|---|
1 | VICTORY MORTGAGE, L.L.C. | Exceptional | Exceptional | Strong | Exceptional | $708 | -0.053% | 973 | |
2 | LCNB National Bank | Exceptional | Exceptional | Strong | Exceptional | $791 | +0.084% | 556 | |
3 | WRIGHT-PATT CREDIT UNION, INC. | Exceptional | Exceptional | Strong | Exceptional | $143 | -0.486% | 243 | |
4 | The Huntington National Bank | Exceptional | Strong | Strong | Exceptional | -$245 | +0.321% | 1,145 | |
5 | Fifth Third Bank, National Association | Exceptional | Strong | Strong | Exceptional | $297 | +0.257% | 808 | |
6 | U.S. Bank National Association | Exceptional | Strong | Strong | Exceptional | $1,107 | +0.239% | 604 | |
7 | GENERAL ELECTRIC CREDIT UNION | Exceptional | Strong | Strong | Exceptional | $860 | +0.051% | 297 | |
8 | Third Federal Savings and Loan Association of Cleveland | Exceptional | Strong | Strong | Exceptional | $563 | -0.005% | 258 | |
9 | RiverHills Bank | Exceptional | Strong | Strong | Exceptional | $1,400 | +0.270% | 248 | |
10 | Warsaw Federal Savings and Loan Association | Exceptional | Strong | Strong | Exceptional | $807 | +0.239% | 196 | |
11 | NAVY FEDERAL CREDIT UNION | Exceptional | Exceptional | Sound | Strong | $642 | -0.524% | 148 | |
12 | UNITED WHOLESALE MORTGAGE, LLC | Strong | Sound | Exceptional | Exceptional | $2,474 | +0.297% | 2,016 | |
13 | FIRST EQUITY MORTGAGE INCORPORATED | Strong | Strong | Sound | Exceptional | $859 | +0.281% | 429 | |
14 | PNC Bank, National Association | Strong | Strong | Strong | Strong | -$354 | +0.268% | 208 | |
15 | 1st National Bank | Strong | Strong | Sound | Exceptional | $1,203 | +0.280% | 186 | |
16 | SIBCY CLINE MORTGAGE SERVICES, INC. | Strong | Strong | Sound | Exceptional | $1,521 | +0.207% | 161 | |
17 | Civista Bank | Strong | Strong | Strong | Strong | $611 | +0.111% | 147 | |
18 | Truist Bank | Strong | Strong | Strong | Strong | $1,922 | +0.285% | 93 | |
19 | Bank of America, National Association | Strong | Strong | Strong | Strong | $1,719 | -0.090% | 77 | |
20 | Union Savings Bank | Strong | Sound | Strong | Exceptional | $1,029 | +0.164% | 1,185 | |
21 | GUARANTEED RATE, INC. | Strong | Sound | Strong | Exceptional | $2,390 | +0.237% | 858 | |
22 | Guardian Savings Bank | Strong | Sound | Strong | Exceptional | $1,159 | +0.160% | 765 | |
23 | JPMorgan Chase Bank, National Association | Strong | Sound | Strong | Exceptional | $1,625 | +0.169% | 448 | |
24 | RUOFF MORTGAGE COMPANY, INC. | Strong | Sound | Strong | Exceptional | $1,642 | +0.357% | 373 | |
25 | First Financial Bank | Strong | Sound | Strong | Exceptional | $1,452 | +0.517% | 326 | |
26 | Heartland Bank | Strong | Strong | Sound | Strong | $1,050 | +0.243% | 115 | |
27 | 3RD STREET FINANCIAL CORP. | Strong | Strong | Sound | Strong | $935 | +0.332% | 114 | |
28 | KEMBA CREDIT UNION, INC. | Strong | Strong | Sound | Strong | $818 | +0.017% | 104 | |
29 | Republic Bank & Trust Company | Strong | Strong | Sound | Strong | $859 | +0.165% | 83 | |
30 | Wells Fargo Bank, National Association | Strong | Strong | Sound | Strong | $2,148 | +0.127% | 79 | |
31 | ROCKET MORTGAGE, LLC | Strong | Acceptable | Exceptional | Exceptional | $3,810 | +0.380% | 1,980 | |
32 | FIRST COMMUNITY MORTGAGE, INC. | Strong | Acceptable | Exceptional | Exceptional | $3,118 | +0.477% | 687 | |
33 | UNION HOME MORTGAGE CORP. | Strong | Acceptable | Exceptional | Exceptional | $2,543 | +0.601% | 625 | |
34 | FAIRWAY INDEPENDENT MORTGAGE CORPORATION | Strong | Acceptable | Exceptional | Exceptional | $3,231 | +0.618% | 488 | |
35 | DAS Acquisition Company, LLC | Strong | Acceptable | Exceptional | Exceptional | $4,016 | +0.652% | 326 | |
36 | FREEDOM MORTGAGE CORPORATION | Strong | Sound | Strong | Strong | $2,764 | +0.518% | 264 | |
37 | LOANDEPOT.COM, LLC | Strong | Sound | Strong | Strong | $3,185 | +0.404% | 202 | |
38 | PENNYMAC LOAN SERVICES, LLC | Strong | Sound | Strong | Strong | $1,354 | +0.084% | 155 | |
39 | WesBanco Bank, Inc. | Strong | Sound | Strong | Strong | $1,580 | +0.225% | 95 | |
40 | CROSSCOUNTRY MORTGAGE, LLC | Strong | Acceptable | Strong | Exceptional | $3,830 | +0.661% | 882 | |
41 | STOCKTON MORTGAGE CORPORATION | Strong | Acceptable | Strong | Exceptional | $2,865 | +0.419% | 616 | |
42 | GUARANTEED RATE AFFINITY, LLC | Strong | Acceptable | Strong | Exceptional | $2,531 | +0.457% | 396 | |
43 | BAYSHORE MORTGAGE FUNDING, LLC | Strong | Acceptable | Strong | Exceptional | $2,959 | +0.599% | 279 | |
44 | PRIMELENDING, A PLAINSCAPITAL COMPANY | Strong | Acceptable | Exceptional | Strong | $2,917 | +0.481% | 221 | |
45 | T2 FINANCIAL LLC | Strong | Acceptable | Exceptional | Strong | $3,550 | +0.727% | 124 | |
46 | USAA Federal Savings Bank | Strong | Sound | Sound | Strong | $1,495 | -0.143% | 92 | |
47 | SUPERIOR CREDIT UNION, INC. | Strong | Sound | Sound | Strong | $1,365 | +0.227% | 85 | |
48 | MUTUAL OF OMAHA MORTGAGE, INC. | Strong | Sound | Sound | Strong | $2,184 | +0.211% | 76 | |
49 | GoodLeap, LLC | Strong | Sound | Sound | Strong | $3,083 | +0.032% | 67 | |
50 | Mortgage Research Center, LLC | Strong | Acceptable | Strong | Strong | $1,369 | +0.529% | 360 |
How We Rank Lenders
Our rankings use geometric mean scoring across equally-weighted categories. This rewards lenders who perform consistently well across all metrics, not just excel in one area.
Our Point System (Max 30 Points)
10
Pricing
Rate and fee competitiveness (33%)
10
Pull Through
Reliability in closing loans (33%)
10
Place
Local market expertise (33%)
Data Integrity & Updates
Data is updated quarterly based on the latest HMDA filings and proprietary SafeRate analysis. All metrics are calculated using standardized methodologies to ensure fair comparison across lenders.
Ready to find your perfect lender?
Get personalized recommendations based on your specific needs
Cincinnati, OH
No credit impact
3-minute process
100% free