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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 Mortgage Company Lenders in Cincinnati
Updated February 5, 2026
Market Overview
49
Total Lenders
18,800
Total Loans
0.50%
Median Rate Spread
| Rank | Lender | Overall | Pricing | Pull Through | Place | Avg Fees | Spread | Volume | Action |
|---|---|---|---|---|---|---|---|---|---|
1 | VICTORY MORTGAGE, L.L.C. | Exceptional | Exceptional | Strong | Exceptional | $708 | -0.053% | 973 | |
2 | UNITED WHOLESALE MORTGAGE, LLC | Strong | Sound | Exceptional | Exceptional | $2,474 | +0.297% | 2,016 | |
3 | FIRST EQUITY MORTGAGE INCORPORATED | Strong | Strong | Sound | Exceptional | $859 | +0.281% | 429 | |
4 | SIBCY CLINE MORTGAGE SERVICES, INC. | Strong | Strong | Sound | Exceptional | $1,521 | +0.207% | 161 | |
5 | GUARANTEED RATE, INC. | Strong | Sound | Strong | Exceptional | $2,390 | +0.237% | 858 | |
6 | RUOFF MORTGAGE COMPANY, INC. | Strong | Sound | Strong | Exceptional | $1,642 | +0.357% | 373 | |
7 | 3RD STREET FINANCIAL CORP. | Strong | Strong | Sound | Strong | $935 | +0.332% | 114 | |
8 | ROCKET MORTGAGE, LLC | Strong | Acceptable | Exceptional | Exceptional | $3,810 | +0.380% | 1,980 | |
9 | FIRST COMMUNITY MORTGAGE, INC. | Strong | Acceptable | Exceptional | Exceptional | $3,118 | +0.477% | 687 | |
10 | UNION HOME MORTGAGE CORP. | Strong | Acceptable | Exceptional | Exceptional | $2,543 | +0.601% | 625 | |
11 | FAIRWAY INDEPENDENT MORTGAGE CORPORATION | Strong | Acceptable | Exceptional | Exceptional | $3,231 | +0.618% | 488 | |
12 | DAS Acquisition Company, LLC | Strong | Acceptable | Exceptional | Exceptional | $4,016 | +0.652% | 326 | |
13 | FREEDOM MORTGAGE CORPORATION | Strong | Sound | Strong | Strong | $2,764 | +0.518% | 264 | |
14 | LOANDEPOT.COM, LLC | Strong | Sound | Strong | Strong | $3,185 | +0.404% | 202 | |
15 | PENNYMAC LOAN SERVICES, LLC | Strong | Sound | Strong | Strong | $1,354 | +0.084% | 155 | |
16 | CROSSCOUNTRY MORTGAGE, LLC | Strong | Acceptable | Strong | Exceptional | $3,830 | +0.661% | 882 | |
17 | STOCKTON MORTGAGE CORPORATION | Strong | Acceptable | Strong | Exceptional | $2,865 | +0.419% | 616 | |
18 | GUARANTEED RATE AFFINITY, LLC | Strong | Acceptable | Strong | Exceptional | $2,531 | +0.457% | 396 | |
19 | BAYSHORE MORTGAGE FUNDING, LLC | Strong | Acceptable | Strong | Exceptional | $2,959 | +0.599% | 279 | |
20 | PRIMELENDING, A PLAINSCAPITAL COMPANY | Strong | Acceptable | Exceptional | Strong | $2,917 | +0.481% | 221 | |
21 | T2 FINANCIAL LLC | Strong | Acceptable | Exceptional | Strong | $3,550 | +0.727% | 124 | |
22 | MUTUAL OF OMAHA MORTGAGE, INC. | Strong | Sound | Sound | Strong | $2,184 | +0.211% | 76 | |
23 | GoodLeap, LLC | Strong | Sound | Sound | Strong | $3,083 | +0.032% | 67 | |
24 | Mortgage Research Center, LLC | Strong | Acceptable | Strong | Strong | $1,369 | +0.529% | 360 | |
25 | LOWER, LLC | Strong | Acceptable | Strong | Strong | $2,303 | +0.529% | 270 | |
26 | Paramount Residential Mortgage Group, Inc. | Strong | Acceptable | Strong | Strong | $4,484 | +0.688% | 241 | |
27 | Prosperity Home Mortgage, LLC | Strong | Acceptable | Strong | Strong | $2,552 | +0.375% | 232 | |
28 | M/I FINANCIAL, LLC | Strong | Acceptable | Strong | Strong | $3,823 | -0.063% | 225 | |
29 | NATIONSTAR MORTGAGE LLC | Strong | Acceptable | Strong | Strong | $3,319 | +0.307% | 197 | |
30 | THE LOAN STORE, INC. | Strong | Acceptable | Strong | Strong | $1,578 | +0.498% | 139 | |
31 | Synergy One Lending, Inc. | Strong | Acceptable | Strong | Strong | $2,952 | +0.534% | 97 | |
32 | VAN DYK MORTGAGE CORPORATION | Strong | Acceptable | Strong | Strong | $3,412 | +0.372% | 89 | |
33 | RMC HOME MORTGAGE, LLC | Strong | Acceptable | Strong | Strong | $3,062 | +0.563% | 67 | |
34 | NATIONS DIRECT MORTGAGE, LLC | Strong | Acceptable | Strong | Strong | $918 | +0.308% | 63 | |
35 | CMG MORTGAGE, INC. | Strong | Acceptable | Exceptional | Sound | $1,108 | +0.432% | 62 | |
36 | AMERICAN NEIGHBORHOOD MORTGAGE ACCEPTANCE COMPANY LLC | Sound | Mediocre | Strong | Exceptional | $3,169 | +0.650% | 368 | |
37 | NEWREZ LLC | Sound | Acceptable | Sound | Strong | $2,025 | +0.392% | 343 | |
38 | AMERICAN PACIFIC MORTGAGE CORPORATION | Sound | Mediocre | Exceptional | Strong | $3,413 | +0.795% | 315 | |
39 | NATIONS RELIABLE LENDING, LLC | Sound | Mediocre | Strong | Exceptional | $3,112 | +0.517% | 287 | |
40 | NEW AMERICAN FUNDING, LLC | Sound | Acceptable | Sound | Strong | $3,179 | +0.779% | 159 | |
41 | AMERICAN FINANCIAL RESOURCES, INC. | Sound | Acceptable | Sound | Strong | $2,504 | +0.649% | 155 | |
42 | CARRINGTON MORTGAGE SERVICES, LLC | Sound | Acceptable | Sound | Strong | $4,121 | +0.755% | 115 | |
43 | RAPID MORTGAGE COMPANY | Sound | Mediocre | Sound | Exceptional | $4,025 | +0.587% | 233 | |
44 | SUCCESS MORTGAGE PARTNERS, INC. | Sound | Mediocre | Strong | Strong | $4,519 | +0.555% | 117 | |
45 | CHURCHILL MORTGAGE CORPORATION | Sound | Mediocre | Strong | Strong | $3,066 | +0.512% | 109 | |
46 | POLARIS HOME FUNDING CORP. | Sound | Mediocre | Strong | Strong | $4,440 | +0.832% | 78 | |
47 | Farm Credit Mid-America, ACA | Sound | Mediocre | Sound | Strong | $5,434 | +0.619% | 83 | |
48 | NEW DAY FINANCIAL, LLC | Sound | Mediocre | Acceptable | Strong | $3,980 | +1.103% | 80 | |
49 | AMERISAVE MORTGAGE CORPORATION | Sound | Mediocre | Acceptable | Strong | $3,873 | +0.918% | 73 |
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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