Safe Rate Rankings

Best VA 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.
Total Lenders11
Total Loans29,097
Median Rate Spread0.37%

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RankLenderOverallPricingProductPull ThroughPlaceAvg FeesRate Spread# of LoansAction
1
Union Savings BankBank
Exceptional
Exceptional
Strong
Exceptional
Exceptional
$1,029Fees
0.164%Above
1,185
2
Fifth Third Bank, National AssociationBank
Exceptional
Exceptional
Strong
Strong
Exceptional
$297Fees
0.257%Above
808
3
The Huntington National BankBank
Exceptional
Strong
Exceptional
Strong
Exceptional
$245Credit
0.321%Above
1,145
4
U.S. Bank National AssociationBank
Exceptional
Strong
Exceptional
Strong
Exceptional
$1,107Fees
0.239%Above
604
5
LCNB National BankBank
Exceptional
Exceptional
Sound
Strong
Exceptional
$791Fees
0.084%Above
556
6
JPMorgan Chase Bank, National AssociationBank
Exceptional
Strong
Exceptional
Sound
Exceptional
$1,625Fees
0.169%Above
448
7
RiverHills BankBank
Exceptional
Strong
Sound
Strong
Exceptional
$1,400Fees
0.270%Above
248
8
USAA Federal Savings BankBank
Exceptional
Strong
Exceptional
Sound
Strong
$1,495Fees
0.143%Below
92
9
Plains Commerce BankBank
Strong
Sound
Exceptional
Strong
Strong
$1,987Fees
0.523%Above
172
10
Guardian Savings BankBank
Strong
Sound
Sound
Strong
Exceptional
$1,159Fees
0.160%Above
765
11
First Financial BankBank
Sound
Mediocre
Sound
Sound
Exceptional
$1,452Fees
0.517%Above
326

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)

10
Pricing
Rate and fee competitiveness (25%)
10
Pull Through
Reliability in closing loans (25%)
10
Product
Specialization in the loan type (25%)
10
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.