Safe Rate Rankings

Best Bank Mortgage Lenders in Cincinnati

Updated February 5, 2026

⚖️ The 4 PsRankings are calculated based on observed lender differences on closed loans across Pricing, Pull-through, Product, and Place.

🛡️ No Pay to PlayLenders cannot buy their way to the top. Rankings are 100% earned.

📊 HMDA 2024Built using publicly available originated loan data from the federal government.

🎯 Peer BenchmarkedPerformance is normalized and benchmarked against peer institutions.

Market

Total Lenders24

Total Loans9,053

Median Rate Spread0.24%

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Rank	Lender	Overall	Pricing	Pull Through	Place	Avg Fees	Rate Spread	# of Loans
1	LCNB National BankBank	Exceptional	Exceptional	Strong	Exceptional	$791Fees	0.084%Above	556
2	The Huntington National BankBank	Exceptional	Strong	Strong	Exceptional	$245Credit	0.321%Above	1,145
3	Fifth Third Bank, National AssociationBank	Exceptional	Strong	Strong	Exceptional	$297Fees	0.257%Above	808
4	U.S. Bank National AssociationBank	Exceptional	Strong	Strong	Exceptional	$1,107Fees	0.239%Above	604
5	Third Federal Savings and Loan Association of ClevelandBank	Exceptional	Strong	Strong	Exceptional	$563Fees	0.005%Below	258
6	RiverHills BankBank	Exceptional	Strong	Strong	Exceptional	$1,400Fees	0.270%Above	248
7	Warsaw Federal Savings and Loan AssociationBank	Exceptional	Strong	Strong	Exceptional	$807Fees	0.239%Above	196
8	PNC Bank, National AssociationBank	Strong	Strong	Strong	Strong	$354Credit	0.268%Above	208
9	1st National BankBank	Strong	Strong	Sound	Exceptional	$1,203Fees	0.280%Above	186
10	Civista BankBank	Strong	Strong	Strong	Strong	$611Fees	0.111%Above	147
11	Truist BankBank	Strong	Strong	Strong	Strong	$1,922Fees	0.285%Above	93
12	Bank of America, National AssociationBank	Strong	Strong	Strong	Strong	$1,719Fees	0.090%Below	77
13	Union Savings BankBank	Strong	Sound	Strong	Exceptional	$1,029Fees	0.164%Above	1,185
14	Guardian Savings BankBank	Strong	Sound	Strong	Exceptional	$1,159Fees	0.160%Above	765
15	JPMorgan Chase Bank, National AssociationBank	Strong	Sound	Strong	Exceptional	$1,625Fees	0.169%Above	448
16	First Financial BankBank	Strong	Sound	Strong	Exceptional	$1,452Fees	0.517%Above	326
17	Heartland BankBank	Strong	Strong	Sound	Strong	$1,050Fees	0.243%Above	115
18	Republic Bank & Trust CompanyBank	Strong	Strong	Sound	Strong	$859Fees	0.165%Above	83
19	Wells Fargo Bank, National AssociationBank	Strong	Strong	Sound	Strong	$2,148Fees	0.127%Above	79
20	WesBanco Bank, Inc.Bank	Strong	Sound	Strong	Strong	$1,580Fees	0.225%Above	95
21	USAA Federal Savings BankBank	Strong	Sound	Sound	Strong	$1,495Fees	0.143%Below	92
22	Plains Commerce BankBank	Strong	Acceptable	Strong	Strong	$1,987Fees	0.523%Above	172
23	Bank of EnglandBank	Strong	Acceptable	Strong	Strong	$3,431Fees	0.677%Above	113
24	The Park National BankBank	Strong	Acceptable	Strong	Strong	$970Fees	0.469%Above	110

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)

Pricing

Rate and fee competitiveness (33%)

Pull Through

Reliability in closing loans (33%)

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.