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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 Bank Mortgage Lenders in Cincinnati
Updated February 5, 2026
Market Overview
24
Total Lenders
9,053
Total Loans
0.24%
Median Rate Spread
| Rank | Lender | Overall | Pricing | Pull Through | Place | Avg Fees | Spread | Volume | Action |
|---|---|---|---|---|---|---|---|---|---|
1 | LCNB National Bank | Exceptional | Exceptional | Strong | Exceptional | $791 | +0.084% | 556 | |
2 | The Huntington National Bank | Exceptional | Strong | Strong | Exceptional | -$245 | +0.321% | 1,145 | |
3 | Fifth Third Bank, National Association | Exceptional | Strong | Strong | Exceptional | $297 | +0.257% | 808 | |
4 | U.S. Bank National Association | Exceptional | Strong | Strong | Exceptional | $1,107 | +0.239% | 604 | |
5 | Third Federal Savings and Loan Association of Cleveland | Exceptional | Strong | Strong | Exceptional | $563 | -0.005% | 258 | |
6 | RiverHills Bank | Exceptional | Strong | Strong | Exceptional | $1,400 | +0.270% | 248 | |
7 | Warsaw Federal Savings and Loan Association | Exceptional | Strong | Strong | Exceptional | $807 | +0.239% | 196 | |
8 | PNC Bank, National Association | Strong | Strong | Strong | Strong | -$354 | +0.268% | 208 | |
9 | 1st National Bank | Strong | Strong | Sound | Exceptional | $1,203 | +0.280% | 186 | |
10 | Civista Bank | Strong | Strong | Strong | Strong | $611 | +0.111% | 147 | |
11 | Truist Bank | Strong | Strong | Strong | Strong | $1,922 | +0.285% | 93 | |
12 | Bank of America, National Association | Strong | Strong | Strong | Strong | $1,719 | -0.090% | 77 | |
13 | Union Savings Bank | Strong | Sound | Strong | Exceptional | $1,029 | +0.164% | 1,185 | |
14 | Guardian Savings Bank | Strong | Sound | Strong | Exceptional | $1,159 | +0.160% | 765 | |
15 | JPMorgan Chase Bank, National Association | Strong | Sound | Strong | Exceptional | $1,625 | +0.169% | 448 | |
16 | First Financial Bank | Strong | Sound | Strong | Exceptional | $1,452 | +0.517% | 326 | |
17 | Heartland Bank | Strong | Strong | Sound | Strong | $1,050 | +0.243% | 115 | |
18 | Republic Bank & Trust Company | Strong | Strong | Sound | Strong | $859 | +0.165% | 83 | |
19 | Wells Fargo Bank, National Association | Strong | Strong | Sound | Strong | $2,148 | +0.127% | 79 | |
20 | WesBanco Bank, Inc. | Strong | Sound | Strong | Strong | $1,580 | +0.225% | 95 | |
21 | USAA Federal Savings Bank | Strong | Sound | Sound | Strong | $1,495 | -0.143% | 92 | |
22 | Plains Commerce Bank | Strong | Acceptable | Strong | Strong | $1,987 | +0.523% | 172 | |
23 | Bank of England | Strong | Acceptable | Strong | Strong | $3,431 | +0.677% | 113 | |
24 | The Park National Bank | Strong | Acceptable | Strong | Strong | $970 | +0.469% | 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)
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.
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