Safe Rate Rankings

Best Conventional Mortgage Bank 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 Loans29,097

Median Rate Spread0.37%

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

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 40 Points)

Pricing

Rate and fee competitiveness (25%)

Pull Through

Reliability in closing loans (25%)

Product

Specialization in the loan type (25%)

Place

Local market expertise (25%)

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.