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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 FHA 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 | Product | Pull Through | Place | Avg Fees | Spread | Volume | Action |
|---|---|---|---|---|---|---|---|---|---|---|
1 | Union Savings Bank | Exceptional | Exceptional | Strong | Strong | Exceptional | $1,029 | +0.164% | 1,185 | |
2 | VICTORY MORTGAGE, L.L.C. | Exceptional | Exceptional | Strong | Strong | Exceptional | $708 | -0.053% | 973 | |
3 | The Huntington National Bank | Exceptional | Strong | Exceptional | Strong | Exceptional | -$245 | +0.321% | 1,145 | |
4 | Guardian Savings Bank | Exceptional | Exceptional | Strong | Sound | Exceptional | $1,159 | +0.160% | 765 | |
5 | UNITED WHOLESALE MORTGAGE, LLC | Exceptional | Sound | Exceptional | Exceptional | Exceptional | $2,474 | +0.297% | 2,016 | |
6 | Fifth Third Bank, National Association | Exceptional | Strong | Exceptional | Sound | Exceptional | $297 | +0.257% | 808 | |
7 | U.S. Bank National Association | Exceptional | Strong | Exceptional | Sound | Exceptional | $1,107 | +0.239% | 604 | |
8 | LCNB National Bank | Exceptional | Exceptional | Sound | Sound | Exceptional | $791 | +0.084% | 556 | |
9 | FREEDOM MORTGAGE CORPORATION | Exceptional | Strong | Exceptional | Strong | Strong | $2,764 | +0.518% | 264 | |
10 | Prosperity Home Mortgage, LLC | Exceptional | Strong | Exceptional | Strong | Strong | $2,552 | +0.375% | 232 | |
11 | Republic Bank & Trust Company | Exceptional | Exceptional | Strong | Sound | Strong | $859 | +0.165% | 83 | |
12 | FIRST EQUITY MORTGAGE INCORPORATED | Exceptional | Exceptional | Sound | Acceptable | Exceptional | $859 | +0.281% | 429 | |
13 | WRIGHT-PATT CREDIT UNION, INC. | Exceptional | Strong | Strong | Sound | Exceptional | $143 | -0.486% | 243 | |
14 | Warsaw Federal Savings and Loan Association | Exceptional | Strong | Sound | Strong | Exceptional | $807 | +0.239% | 196 | |
15 | PENNYMAC LOAN SERVICES, LLC | Exceptional | Strong | Exceptional | Sound | Strong | $1,354 | +0.084% | 155 | |
16 | Civista Bank | Exceptional | Exceptional | Sound | Sound | Strong | $611 | +0.111% | 147 | |
17 | WesBanco Bank, Inc. | Exceptional | Strong | Strong | Strong | Strong | $1,580 | +0.225% | 95 | |
18 | GoodLeap, LLC | Exceptional | Strong | Exceptional | Sound | Strong | $3,083 | +0.032% | 67 | |
19 | ROCKET MORTGAGE, LLC | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $3,810 | +0.380% | 1,980 | |
20 | FIRST COMMUNITY MORTGAGE, INC. | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $3,118 | +0.477% | 687 | |
21 | UNION HOME MORTGAGE CORP. | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $2,543 | +0.601% | 625 | |
22 | FAIRWAY INDEPENDENT MORTGAGE CORPORATION | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $3,231 | +0.618% | 488 | |
23 | RiverHills Bank | Strong | Strong | Sound | Sound | Exceptional | $1,400 | +0.270% | 248 | |
24 | M/I FINANCIAL, LLC | Strong | Sound | Exceptional | Strong | Strong | $3,823 | -0.063% | 225 | |
25 | PNC Bank, National Association | Strong | Strong | Strong | Sound | Strong | -$354 | +0.268% | 208 | |
26 | LOANDEPOT.COM, LLC | Strong | Sound | Exceptional | Strong | Strong | $3,185 | +0.404% | 202 | |
27 | Plains Commerce Bank | Strong | Sound | Exceptional | Strong | Strong | $1,987 | +0.523% | 172 | |
28 | SIBCY CLINE MORTGAGE SERVICES, INC. | Strong | Strong | Sound | Sound | Exceptional | $1,521 | +0.207% | 161 | |
29 | THE LOAN STORE, INC. | Strong | Sound | Exceptional | Strong | Strong | $1,578 | +0.498% | 139 | |
30 | Bank of England | Strong | Sound | Exceptional | Strong | Strong | $3,431 | +0.677% | 113 | |
31 | Truist Bank | Strong | Strong | Strong | Sound | Strong | $1,922 | +0.285% | 93 | |
32 | RMC HOME MORTGAGE, LLC | Strong | Sound | Exceptional | Strong | Strong | $3,062 | +0.563% | 67 | |
33 | NATIONS DIRECT MORTGAGE, LLC | Strong | Sound | Exceptional | Strong | Strong | $918 | +0.308% | 63 | |
34 | GUARANTEED RATE, INC. | Strong | Acceptable | Exceptional | Strong | Exceptional | $2,390 | +0.237% | 858 | |
35 | STOCKTON MORTGAGE CORPORATION | Strong | Acceptable | Exceptional | Strong | Exceptional | $2,865 | +0.419% | 616 | |
36 | JPMorgan Chase Bank, National Association | Strong | Sound | Strong | Sound | Exceptional | $1,625 | +0.169% | 448 | |
37 | GUARANTEED RATE AFFINITY, LLC | Strong | Acceptable | Exceptional | Strong | Exceptional | $2,531 | +0.457% | 396 | |
38 | RUOFF MORTGAGE COMPANY, INC. | Strong | Acceptable | Exceptional | Strong | Exceptional | $1,642 | +0.357% | 373 | |
39 | NEWREZ LLC | Strong | Sound | Exceptional | Sound | Strong | $2,025 | +0.392% | 343 | |
40 | First Financial Bank | Strong | Sound | Strong | Sound | Exceptional | $1,452 | +0.517% | 326 | |
41 | PRIMELENDING, A PLAINSCAPITAL COMPANY | Strong | Acceptable | Exceptional | Exceptional | Strong | $2,917 | +0.481% | 221 | |
42 | T2 FINANCIAL LLC | Strong | Acceptable | Exceptional | Exceptional | Strong | $3,550 | +0.727% | 124 | |
43 | Heartland Bank | Strong | Strong | Sound | Sound | Strong | $1,050 | +0.243% | 115 | |
44 | 3RD STREET FINANCIAL CORP. | Strong | Strong | Sound | Sound | Strong | $935 | +0.332% | 114 | |
45 | LOWER, LLC | Strong | Acceptable | Exceptional | Strong | Strong | $2,303 | +0.529% | 270 | |
46 | Paramount Residential Mortgage Group, Inc. | Strong | Acceptable | Exceptional | Strong | Strong | $4,484 | +0.688% | 241 | |
47 | 1st National Bank | Strong | Sound | Sound | Sound | Exceptional | $1,203 | +0.280% | 186 | |
48 | AMERICAN FINANCIAL RESOURCES, INC. | Strong | Acceptable | Exceptional | Strong | Strong | $2,504 | +0.649% | 155 | |
49 | Synergy One Lending, Inc. | Strong | Acceptable | Exceptional | Strong | Strong | $2,952 | +0.534% | 97 | |
50 | VAN DYK MORTGAGE CORPORATION | Strong | Acceptable | Exceptional | Strong | Strong | $3,412 | +0.372% | 89 |
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.
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