Safe Rate Rankings
Rankings are a starting point, not a verdict. Safe Rate recommends speaking with 2-3 lenders to find the right fit for your home loan!
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| Rank | Lender | Overall | Pricing | Product | Pull Through | Place | Avg Fees | Rate Spread | # of Loans | Action |
|---|---|---|---|---|---|---|---|---|---|---|
1 | Union Savings Bank BankDirect | Exceptional | Exceptional | Strong | Strong | Exceptional | $1,029Fees | 0.164%Above | 1,185 | |
2 | VICTORY MORTGAGE, L.L.C. Independent Mortgage CompanyDirect | Exceptional | Exceptional | Strong | Strong | Exceptional | $708Fees | 0.053%Below | 973 | |
3 | UNITED WHOLESALE MORTGAGE, LLC Independent Mortgage CompanyWholesale | Exceptional | Sound* | Exceptional | Exceptional | Exceptional | $2,474Fees | 0.297%Above | 2,016 | |
4 | The Huntington National Bank BankDirect | Exceptional | Strong | Exceptional | Strong | Exceptional | $245Credit | 0.321%Above | 1,145 | |
5 | ROCKET MORTGAGE, LLC Independent Mortgage CompanyDirect & Wholesale | Strong | Acceptable* | Exceptional | Exceptional | Exceptional | $3,810Fees | 0.380%Above | 1,980 | |
6 | Fifth Third Bank, National Association BankDirect | Strong | Strong | Exceptional | Sound | Exceptional | $297Fees | 0.257%Above | 808 | |
7 | Guardian Savings Bank BankDirect | Strong | Exceptional | Strong | Sound | Exceptional | $1,159Fees | 0.160%Above | 765 | |
8 | FIRST COMMUNITY MORTGAGE, INC. Independent Mortgage CompanyDirect & Wholesale | Strong | Acceptable* | Exceptional | Exceptional | Exceptional | $3,118Fees | 0.477%Above | 687 | |
9 | U.S. Bank National Association BankDirect | Strong | Strong | Exceptional | Sound | Exceptional | $1,107Fees | 0.239%Above | 604 | |
10 | FREEDOM MORTGAGE CORPORATION Independent Mortgage CompanyDirect & Wholesale | Strong | Strong* | Exceptional | Strong | Strong | $2,764Fees | 0.518%Above | 264 | |
11 | Prosperity Home Mortgage, LLC Independent Mortgage CompanyDirect | Strong | Strong | Exceptional | Strong | Strong | $2,552Fees | 0.375%Above | 232 | |
12 | PENNYMAC LOAN SERVICES, LLC Independent Mortgage CompanyDirect & Wholesale | Strong | Strong* | Exceptional | Sound | Strong | $1,354Fees | 0.084%Above | 155 | |
13 | LOANDEPOT.COM, LLC Independent Mortgage CompanyDirect & Wholesale | Strong | Sound* | Exceptional | Strong | Strong | $3,185Fees | 0.404%Above | 202 | |
14 | GUARANTEED RATE, INC. Independent Mortgage CompanyDirect | Strong | Acceptable | Exceptional | Strong | Exceptional | $2,390Fees | 0.237%Above | 858 | |
15 | WRIGHT-PATT CREDIT UNION, INC. Credit UnionDirect | Strong | Strong | Strong | Sound | Exceptional | $143Fees | 0.486%Below | 243 | |
16 | WesBanco Bank, Inc. BankDirect | Strong | Strong | Strong | Strong | Strong | $1,580Fees | 0.225%Above | 95 | |
17 | M/I FINANCIAL, LLC Independent Mortgage CompanyDirect | Strong | Sound | Exceptional | Strong | Strong | $3,823Fees | 0.063%Below | 225 | |
18 | UNION HOME MORTGAGE CORP. Independent Mortgage CompanyDirect & Wholesale | Strong | Acceptable* | Exceptional | Exceptional | Exceptional | $2,543Fees | 0.601%Above | 625 | |
19 | LCNB National Bank BankDirect | Strong | Exceptional | Sound | Sound | Exceptional | $791Fees | 0.084%Above | 556 | |
20 | FAIRWAY INDEPENDENT MORTGAGE CORPORATION Independent Mortgage CompanyDirect | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $3,231Fees | 0.618%Above | 488 | |
21 | NEWREZ LLC Independent Mortgage CompanyDirect & Wholesale | Strong | Sound* | Exceptional | Sound | Strong | $2,025Fees | 0.392%Above | 343 | |
22 | Plains Commerce Bank BankWholesale | Strong | Sound* | Exceptional | Strong | Strong | $1,987Fees | 0.523%Above | 172 | |
23 | THE LOAN STORE, INC. Independent Mortgage CompanyWholesale | Strong | Sound* | Exceptional | Strong | Strong | $1,578Fees | 0.498%Above | 139 | |
24 | CROSSCOUNTRY MORTGAGE, LLC Independent Mortgage CompanyDirect | Strong | Mediocre | Exceptional | Strong | Exceptional | $3,830Fees | 0.661%Above | 882 | |
25 | STOCKTON MORTGAGE CORPORATION Independent Mortgage CompanyDirect | Strong | Acceptable | Exceptional | Strong | Exceptional | $2,865Fees | 0.419%Above | 616 | |
26 | FIRST EQUITY MORTGAGE INCORPORATED Independent Mortgage CompanyDirect | Strong | Exceptional | Sound | Acceptable | Exceptional | $859Fees | 0.281%Above | 429 | |
27 | RUOFF MORTGAGE COMPANY, INC. Independent Mortgage CompanyDirect | Strong | Acceptable | Exceptional | Strong | Exceptional | $1,642Fees | 0.357%Above | 373 | |
28 | PNC Bank, National Association BankDirect | Strong | Strong | Strong | Sound | Strong | $354Credit | 0.268%Above | 208 | |
29 | Civista Bank BankDirect | Strong | Exceptional | Sound | Sound | Strong | $611Fees | 0.111%Above | 147 | |
30 | Truist Bank BankDirect | Strong | Strong | Strong | Sound | Strong | $1,922Fees | 0.285%Above | 93 | |
31 | Republic Bank & Trust Company BankDirect | Strong | Exceptional | Strong | Sound | Strong | $859Fees | 0.165%Above | 83 | |
32 | DAS Acquisition Company, LLC Independent Mortgage CompanyDirect | Strong | Mediocre | Exceptional | Exceptional | Exceptional | $4,016Fees | 0.652%Above | 326 | |
33 | Paramount Residential Mortgage Group, Inc. Independent Mortgage CompanyDirect & Wholesale | Strong | Acceptable* | Exceptional | Strong | Strong | $4,484Fees | 0.688%Above | 241 | |
34 | PRIMELENDING, A PLAINSCAPITAL COMPANY Independent Mortgage CompanyDirect | Strong | Acceptable | Exceptional | Exceptional | Strong | $2,917Fees | 0.481%Above | 221 | |
35 | T2 FINANCIAL LLC Independent Mortgage CompanyDirect | Strong | Acceptable | Exceptional | Exceptional | Strong | $3,550Fees | 0.727%Above | 124 | |
36 | Bank of England BankDirect | Strong | Sound | Exceptional | Strong | Strong | $3,431Fees | 0.677%Above | 113 | |
37 | JPMorgan Chase Bank, National Association BankDirect & Wholesale | Strong | Sound* | Strong | Sound | Exceptional | $1,625Fees | 0.169%Above | 448 | |
38 | RiverHills Bank BankDirect | Strong | Strong | Sound | Sound | Exceptional | $1,400Fees | 0.270%Above | 248 | |
39 | GoodLeap, LLC Independent Mortgage CompanyDirect | Strong | Strong | Exceptional | Sound | Strong | $3,083Fees | 0.032%Above | 67 | |
40 | GUARANTEED RATE AFFINITY, LLC Independent Mortgage CompanyDirect | Strong | Acceptable | Exceptional | Strong | Exceptional | $2,531Fees | 0.457%Above | 396 | |
41 | First Financial Bank BankDirect | Strong | Sound | Strong | Sound | Exceptional | $1,452Fees | 0.517%Above | 326 | |
42 | AMERICAN PACIFIC MORTGAGE CORPORATION Independent Mortgage CompanyDirect | Strong | Mediocre | Exceptional | Exceptional | Strong | $3,413Fees | 0.795%Above | 315 | |
43 | LOWER, LLC Independent Mortgage CompanyDirect & Wholesale | Strong | Acceptable* | Exceptional | Strong | Strong | $2,303Fees | 0.529%Above | 270 | |
44 | Warsaw Federal Savings and Loan Association BankDirect | Strong | Strong | Sound | Strong | Exceptional | $807Fees | 0.239%Above | 196 | |
45 | RMC HOME MORTGAGE, LLC Independent Mortgage CompanyDirect | Strong | Sound | Exceptional | Strong | Strong | $3,062Fees | 0.563%Above | 67 | |
46 | AMERICAN NEIGHBORHOOD MORTGAGE ACCEPTANCE COMPANY LLC Independent Mortgage CompanyDirect | Strong | Mediocre | Exceptional | Strong | Exceptional | $3,169Fees | 0.650%Above | 368 | |
47 | NATIONS DIRECT MORTGAGE, LLC Independent Mortgage CompanyWholesale | Strong | Sound* | Exceptional | Strong | Strong | $918Fees | 0.308%Above | 63 | |
48 | Mortgage Research Center, LLC Independent Mortgage CompanyDirect | Strong | Acceptable | Exceptional | Sound | Strong | $1,369Fees | 0.529%Above | 360 | |
49 | NATIONS RELIABLE LENDING, LLC Independent Mortgage CompanyDirect | Strong | Mediocre | Exceptional | Strong | Exceptional | $3,112Fees | 0.517%Above | 287 | |
50 | BAYSHORE MORTGAGE FUNDING, LLC Independent Mortgage CompanyDirect | Strong | Mediocre | Strong | Strong | Exceptional | $2,959Fees | 0.599%Above | 279 |
Safe Rate ranks lenders using the 4 Ps framework, derived entirely from HMDA (Home Mortgage Disclosure Act) data: Pricing (how competitively a lender prices loans vs. the market benchmark), Pullthrough (how effectively a lender closes applications), Place (the lender's depth of expertise in Cincinnati, OH), and Product (performance on specific loan types). Each lender receives a composite Safe Rate Score from 0–100. No lender pays to appear in the rankings.
The Safe Rate Score is a 0–100 composite index measuring a lender's performance across Pricing, Pullthrough, Place, and Product. Scores of 80 or above earn Champion status; scores of 60–79 earn Superstar status. All scores are calculated from verified HMDA data — no lender can pay to improve their position.
Based on 2024 HMDA data, 178 lenders originated a combined 29,097 loans in Cincinnati, OH. Safe Rate's rankings evaluate all of them — not just a curated shortlist.
Rate spread measures how much above the Average Prime Offer Rate (APOR) a lender charges. The median rate spread in Cincinnati, OH is 0.37%. Lenders in Safe Rate's top rankings consistently price below this median, meaning borrowers typically pay less interest over the life of their loan.
HMDA (Home Mortgage Disclosure Act) is a federal law requiring every mortgage lender to disclose every loan application annually — including rates, amounts, approvals, and denials. Safe Rate uses HMDA because it is government-verified, covers all lenders equally, and cannot be gamed. It is the most objective foundation available for lender rankings.
No. Safe Rate rankings are strictly data-driven. No lender can pay to appear in or improve their position in Safe Rate's rankings. The only factor that determines a lender's rank is their verified HMDA performance data.
Banks and credit unions offer mortgages alongside checking, savings, and other products. Independent Mortgage Companies (IMCs) focus exclusively on originating loans and often offer more product variety and speed. In Cincinnati, OH's rankings, all three institution types are evaluated on the same HMDA performance metrics.
Our rankings use a weighted average of scores across equally-weighted categories to evaluate lenders on a linear, raw performance scale.
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.
⚖️ Licensing & Disclosures
Lender rankings and market statistics are created by Dylan Hall, licensed mortgage loan officer (NMLS #1658740). Safe Rate is a mortgage technology platform; mortgage lending services are provided by PartnerOwn LLC dba Safe Rate Mortgage, a licensed mortgage broker and lender (NMLS #1590949). Safe Rate Mortgage is a lending partner of some of the lenders ranked on this page, and Safe Rate Inc. has software or service customers on this list; however, all rankings are calculated using objective, public Home Mortgage Disclosure Act (HMDA) datasets, completely independent of any corporate partnerships, client relationships, or compensation.