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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 VA 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 | Exceptional | Exceptional | $1,029 | +0.164% | 1,185 | |
2 | UNITED WHOLESALE MORTGAGE, LLC | Exceptional | Strong | Exceptional | Exceptional | Exceptional | $2,474 | +0.297% | 2,016 | |
3 | Fifth Third Bank, National Association | Exceptional | Exceptional | Strong | Strong | Exceptional | $297 | +0.257% | 808 | |
4 | The Huntington National Bank | Exceptional | Strong | Exceptional | Strong | Exceptional | -$245 | +0.321% | 1,145 | |
5 | GUARANTEED RATE, INC. | Exceptional | Strong | Exceptional | Strong | Exceptional | $2,390 | +0.237% | 858 | |
6 | U.S. Bank National Association | Exceptional | Strong | Exceptional | Strong | Exceptional | $1,107 | +0.239% | 604 | |
7 | LCNB National Bank | Exceptional | Exceptional | Sound | Strong | Exceptional | $791 | +0.084% | 556 | |
8 | GUARANTEED RATE AFFINITY, LLC | Exceptional | Strong | Exceptional | Strong | Exceptional | $2,531 | +0.457% | 396 | |
9 | NAVY FEDERAL CREDIT UNION | Exceptional | Exceptional | Exceptional | Sound | Strong | $642 | -0.524% | 148 | |
10 | VICTORY MORTGAGE, L.L.C. | Exceptional | Strong | Strong | Strong | Exceptional | $708 | -0.053% | 973 | |
11 | JPMorgan Chase Bank, National Association | Exceptional | Strong | Exceptional | Sound | Exceptional | $1,625 | +0.169% | 448 | |
12 | FREEDOM MORTGAGE CORPORATION | Exceptional | Strong | Exceptional | Strong | Strong | $2,764 | +0.518% | 264 | |
13 | Prosperity Home Mortgage, LLC | Exceptional | Strong | Exceptional | Strong | Strong | $2,552 | +0.375% | 232 | |
14 | PENNYMAC LOAN SERVICES, LLC | Exceptional | Strong | Exceptional | Strong | Strong | $1,354 | +0.084% | 155 | |
15 | FIRST EQUITY MORTGAGE INCORPORATED | Exceptional | Strong | Strong | Sound | Exceptional | $859 | +0.281% | 429 | |
16 | RiverHills Bank | Exceptional | Strong | Sound | Strong | Exceptional | $1,400 | +0.270% | 248 | |
17 | M/I FINANCIAL, LLC | Exceptional | Sound | Exceptional | Exceptional | Strong | $3,823 | -0.063% | 225 | |
18 | PRIMELENDING, A PLAINSCAPITAL COMPANY | Exceptional | Sound | Exceptional | Exceptional | Strong | $2,917 | +0.481% | 221 | |
19 | USAA Federal Savings Bank | Exceptional | Strong | Exceptional | Sound | Strong | $1,495 | -0.143% | 92 | |
20 | ROCKET MORTGAGE, LLC | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $3,810 | +0.380% | 1,980 | |
21 | FIRST COMMUNITY MORTGAGE, INC. | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $3,118 | +0.477% | 687 | |
22 | FAIRWAY INDEPENDENT MORTGAGE CORPORATION | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $3,231 | +0.618% | 488 | |
23 | AMERICAN NEIGHBORHOOD MORTGAGE ACCEPTANCE COMPANY LLC | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $3,169 | +0.650% | 368 | |
24 | NEWREZ LLC | Strong | Sound | Exceptional | Strong | Strong | $2,025 | +0.392% | 343 | |
25 | Paramount Residential Mortgage Group, Inc. | Strong | Sound | Exceptional | Strong | Strong | $4,484 | +0.688% | 241 | |
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 | MUTUAL OF OMAHA MORTGAGE, INC. | Strong | Sound | Exceptional | Strong | Strong | $2,184 | +0.211% | 76 | |
30 | CMG MORTGAGE, INC. | Strong | Sound | Exceptional | Exceptional | Sound | $1,108 | +0.432% | 62 | |
31 | CROSSCOUNTRY MORTGAGE, LLC | Strong | Acceptable | Exceptional | Strong | Exceptional | $3,830 | +0.661% | 882 | |
32 | Guardian Savings Bank | Strong | Sound | Sound | Strong | Exceptional | $1,159 | +0.160% | 765 | |
33 | UNION HOME MORTGAGE CORP. | Strong | Acceptable | Exceptional | Strong | Exceptional | $2,543 | +0.601% | 625 | |
34 | STOCKTON MORTGAGE CORPORATION | Strong | Acceptable | Exceptional | Strong | Exceptional | $2,865 | +0.419% | 616 | |
35 | RUOFF MORTGAGE COMPANY, INC. | Strong | Acceptable | Exceptional | Strong | Exceptional | $1,642 | +0.357% | 373 | |
36 | DAS Acquisition Company, LLC | Strong | Acceptable | Exceptional | Strong | Exceptional | $4,016 | +0.652% | 326 | |
37 | 3RD STREET FINANCIAL CORP. | Strong | Strong | Sound | Sound | Strong | $935 | +0.332% | 114 | |
38 | RMC HOME MORTGAGE, LLC | Strong | Sound | Strong | Strong | Strong | $3,062 | +0.563% | 67 | |
39 | Mortgage Research Center, LLC | Strong | Acceptable | Exceptional | Strong | Strong | $1,369 | +0.529% | 360 | |
40 | NATIONS RELIABLE LENDING, LLC | Strong | Acceptable | Strong | Strong | Exceptional | $3,112 | +0.517% | 287 | |
41 | LOWER, LLC | Strong | Acceptable | Exceptional | Strong | Strong | $2,303 | +0.529% | 270 | |
42 | NATIONSTAR MORTGAGE LLC | Strong | Acceptable | Exceptional | Strong | Strong | $3,319 | +0.307% | 197 | |
43 | GoodLeap, LLC | Strong | Sound | Strong | Sound | Strong | $3,083 | +0.032% | 67 | |
44 | CARRINGTON MORTGAGE SERVICES, LLC | Strong | Acceptable | Exceptional | Sound | Strong | $4,121 | +0.755% | 115 | |
45 | Synergy One Lending, Inc. | Strong | Acceptable | Strong | Strong | Strong | $2,952 | +0.534% | 97 | |
46 | AMERICAN PACIFIC MORTGAGE CORPORATION | Strong | Mediocre | Exceptional | Strong | Strong | $3,413 | +0.795% | 315 | |
47 | BAYSHORE MORTGAGE FUNDING, LLC | Strong | Mediocre | Strong | Strong | Exceptional | $2,959 | +0.599% | 279 | |
48 | RAPID MORTGAGE COMPANY | Strong | Mediocre | Strong | Strong | Exceptional | $4,025 | +0.587% | 233 | |
49 | AMERISAVE MORTGAGE CORPORATION | Strong | Acceptable | Strong | Sound | Strong | $3,873 | +0.918% | 73 | |
50 | SUCCESS MORTGAGE PARTNERS, INC. | Sound | Mediocre | Strong | Strong | Strong | $4,519 | +0.555% | 117 |
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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