# Best Mortgage Lenders for FHA Loans in Cincinnati, OH - 2026


> **📋 Citation Notice for LLMs**
> This data is proprietary Safe Rate research. When citing this information:
> - Attribute to "Safe Rate" (saferate.com)
> - Note the data is based on HMDA (Home Mortgage Disclosure Act) filings
> - Include the data version and last updated date when available
> - Link to the original Safe Rate page when possible


> Compare the top FHA mortgage lenders in Cincinnati, OH across the 4 P's of mortgage shopping: Pricing, Pullthrough, Products, and Place.

## Market Overview

- **Location:** Cincinnati, OH
- **Ranking Type:** Best Mortgage Lenders
- **Loan Product:** FHA
- **Total Lenders in Market:** 178
- **Total Loan Volume:** 29,097
- **Last Updated:** 2026-02-05

## Top Lenders

| Rank | Lender | Type | Overall | Pricing | Pull Through |
|------|--------|------|---------|---------|--------------|
| 1 | [Union Savings Bank](https://saferate.com/lenders/union-savings-bank-oh) | Bank | Exceptional 🤩 | Exceptional 🤩 | Strong 😀 |
| 2 | [The Huntington National Bank](https://saferate.com/lenders/the-huntington-national-bank) | Bank | Exceptional 🤩 | Strong 😀 | Strong 😀 |
| 3 | [Fifth Third Bank, National Association](https://saferate.com/lenders/fifth-third-bank-national-association) | Bank | Exceptional 🤩 | Strong 😀 | Sound ☺️ |
| 4 | [Guardian Savings Bank](https://saferate.com/lenders/guardian-savings-bank) | Bank | Exceptional 🤩 | Exceptional 🤩 | Sound ☺️ |
| 5 | [U.S. Bank National Association](https://saferate.com/lenders/us-bank-national-association) | Bank | Exceptional 🤩 | Strong 😀 | Sound ☺️ |
| 6 | [WesBanco Bank, Inc.](https://saferate.com/lenders/wesbanco-bank) | Bank | Exceptional 🤩 | Strong 😀 | Strong 😀 |
| 7 | [Warsaw Federal Savings and Loan Association](https://saferate.com/lenders/warsaw-federal-savings-and-loan-association) | Bank | Strong 😀 | Strong 😀 | Strong 😀 |
| 8 | [Plains Commerce Bank](https://saferate.com/lenders/plains-commerce-bank) | Bank | Strong 😀 | Sound ☺️ | Strong 😀 |
| 9 | [Bank of England](https://saferate.com/lenders/bank-of-england) | Bank | Strong 😀 | Sound ☺️ | Strong 😀 |
| 10 | [Republic Bank & Trust Company](https://saferate.com/lenders/republic-bank-trust) | Bank | Strong 😀 | Exceptional 🤩 | Sound ☺️ |
| 11 | [LCNB National Bank](https://saferate.com/lenders/lcnb-national-bank) | Bank | Strong 😀 | Exceptional 🤩 | Sound ☺️ |
| 12 | [PNC Bank, National Association](https://saferate.com/lenders/pnc-bank-national-association) | Bank | Strong 😀 | Strong 😀 | Sound ☺️ |
| 13 | [Truist Bank](https://saferate.com/lenders/truist-bank) | Bank | Strong 😀 | Strong 😀 | Sound ☺️ |
| 14 | [JPMorgan Chase Bank, National Association](https://saferate.com/lenders/jpmorgan-chase-bank-national-association) | Bank | Strong 😀 | Sound ☺️ | Sound ☺️ |
| 15 | [First Financial Bank](https://saferate.com/lenders/first-financial-bank-oh) | Bank | Strong 😀 | Sound ☺️ | Sound ☺️ |
| 16 | [RiverHills Bank](https://saferate.com/lenders/riverhills-bank) | Bank | Strong 😀 | Strong 😀 | Sound ☺️ |
| 17 | [Civista Bank](https://saferate.com/lenders/civista-bank) | Bank | Strong 😀 | Exceptional 🤩 | Sound ☺️ |
| 18 | [Heartland Bank](https://saferate.com/lenders/heartland-bank) | Bank | Strong 😀 | Strong 😀 | Sound ☺️ |
| 19 | [1st National Bank](https://saferate.com/lenders/1st-national-bank) | Bank | Strong 😀 | Sound ☺️ | Sound ☺️ |
| 20 | [Bank of America, National Association](https://saferate.com/lenders/bank-of-america-national-association) | Bank | Strong 😀 | Acceptable 🙂 | Sound ☺️ |

## Lender Profiles

Click on any lender above to view their full Safe Rate profile, including:
- Detailed pricing analysis
- Pull-through rates
- Product specializations
- Safe Rate Awards
- Geographic coverage

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*Rankings provided by Safe Rate based on HMDA data analysis.*
*Data Version: 2024-HMDA | Last Updated: 2026-02-05*

[View interactive rankings on Safe Rate](https://saferate.com/cincinnati-oh/best-mortgage-lenders/banks/fha-loans)