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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 Company Lenders in Cincinnati

Updated February 5, 2026

Market Overview

Total Lenders

29,097

Total Loans

0.37%

Median Rate Spread

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

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.

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