Home purchase lenders in Hamilton County
9,385 home purchase mortgages were made in Hamilton County, Ohio, in 2025, by 401 lenders. The median rate their borrowers got was 6.625% on a median loan of $245,000. Of 10,571 decisions, 899 were denials — 8.5%, most often for debt-to-income ratio.
| Lender | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| UNITED SHORE FINANCIAL SERVICES, LLC | 595 | 6.624% | $245,000 | 7.0% |
| CROSSCOUNTRY MORTGAGE, INC. | 441 | 6.750% | $255,000 | 2.2% |
| Union Savings Bank | 429 | 6.750% | $285,000 | 4.8% |
| UNION HOME MORTGAGE CORP. | 364 | 6.750% | $235,000 | 4.9% |
| The Huntington National Bank | 316 | 6.625% | $255,000 | 6.1% |
| Fifth Third Bank, National Association | 305 | 6.500% | $245,000 | 12.6% |
| Rocket Mortgage, LLC | 259 | 6.500% | $225,000 | 13.5% |
| FIRST COMMUNITY MORTGAGE, INC. | 234 | 6.875% | $255,000 | 3.4% |
| First Financial Bank | 217 | 6.500% | $175,000 | 12.9% |
| GUARANTEED RATE, INC. | 209 | 6.625% | $285,000 | 1.0% |
| LCNB National Bank | 200 | 6.500% | $255,000 | 6.7% |
| GUARANTEED RATE AFFINITY, LLC | 197 | 6.625% | $265,000 | 6.6% |
| U.S. Bank National Association | 189 | 6.390% | $235,000 | 17.2% |
| Guardian Savings Bank | 189 | 6.750% | $265,000 | 9.9% |
| AMERICAN NEIGHBORHOOD MORTGAGE ACCEPTANCE COMPANY LLC | 149 | 6.875% | $255,000 | 3.2% |
| Third Federal Savings and Loan Association of Cleveland | 148 | 6.295% | $255,000 | 6.6% |
| Fairway Independent Mortgage Corporation | 130 | 6.875% | $215,000 | 3.6% |
| JPMorgan Chase Bank, National Association | 127 | 6.500% | $245,000 | 9.0% |
| Kiavi Funding, Inc. | 117 | 10.490% | $165,000 | 5.6% |
| RUOFF MORTGAGE COMPANY, INC. | 116 | 6.750% | $235,000 | 3.7% |
| SIBCY CLINE MORTGAGE SERVICES, INC. | 115 | 6.625% | $245,000 | 8.7% |
| RiverHills Bank | 113 | 6.625% | $235,000 | 13.3% |
| PRIMELENDING, A PLAINSCAPITAL COMPANY | 113 | 6.750% | $215,000 | 3.9% |
| Warsaw Federal Savings and Loan Association | 112 | 6.500% | $255,000 | 8.9% |
| Mortgage Research Center, LLC | 109 | 6.250% | $255,000 | 9.1% |
| PNC Bank, National Association | 108 | 6.500% | $205,000 | 12.2% |
| The North Side Bank & Trust Company | 92 | 7.000% | $205,000 | 3.0% |
| SUPERIOR CREDIT UNION, INC. | 90 | 6.125% | $225,000 | 3.1% |
| AMERICAN FINANCIAL RESOURCES, INC. | 86 | 6.750% | $225,000 | 2.3% |
| Paramount Residential Mortgage Group, Inc. | 83 | 6.875% | $235,000 | 6.7% |
| NEWREZ LLC | 82 | 6.625% | $255,000 | 4.7% |
| THE LOAN STORE, INC. | 78 | 6.875% | $260,000 | 3.6% |
| RAPID MORTGAGE COMPANY | 76 | 6.875% | $245,000 | 1.3% |
| KEMBA CREDIT UNION, INC. | 72 | 6.125% | $320,000 | 0.0% |
| The Park National Bank | 69 | 6.630% | $225,000 | 10.1% |
| STOCKTON MORTGAGE CORPORATION | 69 | 6.875% | $245,000 | 2.8% |
| AMERICAN PACIFIC MORTGAGE CORPORATION | 68 | 6.990% | $235,000 | 5.6% |
| Broker Solutions, Inc. | 67 | 6.750% | $225,000 | 5.6% |
| CINFED Federal Credit Union | 67 | 6.625% | $275,000 | 4.3% |
| DAS Acquisition Company, LLC | 64 | 6.813% | $225,000 | 1.5% |
| VICTORY MORTGAGE, L.L.C. | 64 | 6.063% | $425,000 | 4.5% |
| NFM, INC. | 63 | 6.990% | $265,000 | 7.4% |
| GENERAL ELECTRIC CREDIT UNION | 60 | 6.308% | $255,000 | 4.6% |
| Civista Bank | 60 | 6.500% | $200,000 | 1.5% |
| Republic Bank & Trust Company | 55 | 6.250% | $175,000 | 12.7% |
| Bank of America, National Association | 53 | 5.875% | $265,000 | 18.5% |
| BAYSHORE MORTGAGE FUNDING, LLC | 52 | 6.750% | $225,000 | 0.0% |
| LOWER, LLC | 52 | 6.500% | $245,000 | 5.5% |
| First Commonwealth Bank | 51 | 6.575% | $275,000 | 10.5% |
| PENNYMAC LOAN SERVICES, LLC | 50 | 6.499% | $275,000 | 16.7% |
| Prosperity Home Mortgage, LLC | 49 | 6.500% | $245,000 | 10.9% |
| WRIGHT-PATT CREDIT UNION, INC. | 48 | 6.125% | $235,000 | 6.9% |
| Spring Valley Bank | 47 | Not published | $185,000 | 19.4% |
| WesBanco Bank, Inc. | 46 | 6.750% | $280,000 | 9.3% |
| Navy Federal Credit Union | 43 | 6.375% | $245,000 | 17.9% |
| Synergy One Lending, Inc. | 40 | 6.688% | $225,000 | 10.6% |
| Stock Yards Bank & Trust Company | 39 | 6.500% | $375,000 | 7.0% |
| GVC MORTGAGE, INC. | 39 | 6.500% | $235,000 | 0.0% |
| FIRST EQUITY MORTGAGE INCORPORATED | 38 | 5.990% | $350,000 | 22.5% |
| POLARIS HOME FUNDING CORP. | 37 | 7.125% | $185,000 | 2.2% |
| Luminate Bank | 35 | 6.750% | $205,000 | 2.8% |
| ZILLOW HOME LOANS, LLC | 34 | 6.625% | $215,000 | 7.9% |
| NATIONS DIRECT MORTGAGE, LLC | 32 | 6.365% | $220,000 | 5.9% |
| RMC HOME MORTGAGE, LLC | 32 | 5.750% | $400,000 | 5.9% |
| 1st National Bank | 31 | 6.500% | $195,000 | 0.0% |
| CHURCHILL MORTGAGE CORPORATION | 30 | 6.875% | $205,000 | 0.0% |
| ARK-LA-TEX FINANCIAL SERVICES, LLC. | 30 | 6.750% | $250,000 | 3.2% |
| The Cincinnatus Savings & Loan Co. | 26 | Not published | $285,000 | 10.0% |
| M/I FINANCIAL, LLC | 26 | 5.875% | $440,000 | 2.9% |
| SUN WEST MORTGAGE COMPANY, INC. | 26 | 6.204% | $225,000 | 12.5% |
| 254900CTT87ZKAUTIJ37 | 26 | 7.750% | $155,000 | 10.3% |
| Peoples Bank | 25 | 6.375% | $185,000 | 10.3% |
| GENEVA FINANCIAL, LLC | 24 | 6.688% | $160,000 | 0.0% |
| German American Bank | 24 | 6.500% | $425,000 | 10.7% |
| VAN DYK MORTGAGE CORPORATION | 24 | 6.875% | $255,000 | 0.0% |
| T2 FINANCIAL LLC | 24 | 6.625% | $210,000 | 3.9% |
| SUCCESS MORTGAGE PARTNERS, INC. | 24 | 6.625% | $240,000 | 4.0% |
| CMG MORTGAGE, INC. | 23 | 6.990% | $275,000 | 3.7% |
| The State Bank and Trust Company | 23 | 6.375% | $245,000 | 4.2% |
| BoxCar Mortgage, LLC | 23 | 6.990% | $235,000 | 4.0% |
| USAA Federal Savings Bank | 20 | 6.500% | $295,000 | 31.0% |
| 3RD STREET FINANCIAL CORP. | 20 | 6.495% | $240,000 | 0.0% |
| PROVIDENT FUNDING ASSOCIATES, L.P. | 20 | 6.500% | $345,000 | 4.8% |
| RF RENOVO MANAGEMENT COMPANY, LLC | 20 | 9.870% | $145,000 | 0.0% |
| Loan Funder LLC | 19 | 10.500% | $155,000 | 20.8% |
| DIAMOND RESIDENTIAL MORTGAGE CORPORATION | 19 | 6.500% | $225,000 | 3.7% |
| Citizens Bank, National Association | 19 | 6.875% | $195,000 | 0.0% |
| KeyBank National Association | 18 | 6.063% | $250,000 | 10.0% |
| NVR Mortgage Finance, Inc. | 18 | 5.750% | $300,000 | 18.2% |
| Truist Bank | 17 | 6.400% | $430,000 | 15.0% |
| Click n' Close, Inc. | 17 | 6.375% | $225,000 | 0.0% |
| Sharefax Credit Union | 17 | Not published | $315,000 | 0.0% |
| VANDERBILT MORTGAGE AND FINANCE, INC. | 16 | 9.750% | $115,000 | 65.2% |
| Equity Prime Mortgage LLC | 16 | 7.250% | $220,000 | 20.0% |
| Liberty | 16 | 6.500% | $335,000 | 5.9% |
| DEEPHAVEN MORTGAGE LLC | 16 | 7.625% | $165,000 | 30.4% |
| Genesis Capital, LLC | 16 | 8.250% | $150,000 | 0.0% |
| LIBERTY HOME MORTGAGE CORPORATION | 15 | 7.125% | $225,000 | 6.3% |
| Cornerstone First Mortgage, Inc | 15 | 6.625% | $235,000 | 0.0% |
| Forcht Bank, National Association | 15 | 6.750% | $345,000 | 11.8% |
| FCN Bank, National Association | 15 | Not published | $245,000 | 0.0% |
| Valley Central Bank | 15 | Not published | $195,000 | 0.0% |
| Plains Commerce Bank | 14 | 6.625% | $365,000 | 6.7% |
| DOMINION FINANCIAL SERVICES, LLC | 14 | 7.500% | $175,000 | 0.0% |
| NBKC BANK | 14 | 6.375% | $290,000 | 12.5% |
| A&D Mortgage LLC | 14 | 6.625% | $255,000 | 0.0% |
| KIND LENDING, LLC | 13 | 6.990% | $165,000 | 30.0% |
| NATIONSTAR MORTGAGE LLC | 13 | 6.875% | $285,000 | 12.5% |
| Morgan Stanley Private Bank, National Association | 12 | 5.975% | $655,000 | 0.0% |
| Mortgage Right | 12 | 6.625% | $310,000 | 7.7% |
| HOMEXPRESS MORTGAGE CORP. | 12 | 7.500% | $165,000 | 20.0% |
| PLANET HOME LENDING, LLC | 12 | 6.438% | $175,000 | 14.3% |
| UBS Bank USA | 12 | 5.875% | $535,000 | 0.0% |
| Tomo Mortgage, LLC | 11 | 6.625% | $275,000 | 15.4% |
| Wells Fargo Bank, National Association | 11 | 6.375% | $235,000 | 29.4% |
| SOFI BANK, NATIONAL ASSOCIATION | 11 | 6.625% | $245,000 | 0.0% |
| MOVEMENT MORTGAGE, LLC | 11 | 6.625% | $205,000 | 7.7% |
| BPL MORTGAGE TRUST, LLC | 11 | 7.375% | $185,000 | 13.3% |
| The Harrison Building and Loan Association | 11 | Not published | $115,000 | 0.0% |
| RESIDENTIAL WHOLESALE MORTGAGE, INC. | 11 | 6.624% | $315,000 | 0.0% |
| LENDINGONE, LLC | 10 | 7.710% | $170,000 | 66.7% |
| Loandepot.Com, LLC | 10 | 6.750% | $280,000 | 23.1% |
| DHI MORTGAGE COMPANY, LTD. | 10 | 4.990% | $265,000 | 33.3% |
| NEXERA HOLDING LLC | 10 | 7.250% | $155,000 | 9.1% |
| GOLD STAR MORTGAGE FINANCIAL GROUP, CORPORATION | 10 | 6.625% | $225,000 | 0.0% |
| Gateway First Bank | 9 | Under 10 loans | Under 10 loans | 10.0% |
| PLAZA HOME MORTGAGE, INC. | 9 | Under 10 loans | Under 10 loans | 25.0% |
| ALLIANT CREDIT UNION | 9 | Under 10 loans | Under 10 loans | 0.0% |
| Charles Schwab Bank, SSB | 9 | Under 10 loans | Under 10 loans | 10.0% |
| Ixonia Bank | 8 | Under 10 loans | Under 10 loans | 0.0% |
| Community Trust Bank, Inc. | 8 | Under 10 loans | Under 10 loans | 20.0% |
| Leader Bank, National Association | 8 | Under 10 loans | Under 10 loans | 0.0% |
| General Mortgage Capital Corporation | 8 | Under 10 loans | Under 10 loans | 0.0% |
| LAKE MICHIGAN CREDIT UNION | 8 | Under 10 loans | Under 10 loans | 0.0% |
| Flagstar Bank, N.A. | 8 | Under 10 loans | Under 10 loans | 0.0% |
| 21st Mortgage Corporation | 7 | Under 10 loans | Under 10 loans | 76.7% |
| AMERICAN FINANCIAL NETWORK, INC. | 7 | Under 10 loans | Under 10 loans | 36.4% |
| Zippy Loans, LLC | 7 | Under 10 loans | Under 10 loans | 12.5% |
| CARRINGTON MORTGAGE SERVICES, LLC | 7 | Under 10 loans | Under 10 loans | 9.1% |
| CITY FIRST MORTGAGE SERVICES, L.L.C. | 7 | Under 10 loans | Under 10 loans | 12.5% |
| OCMBC, INC. | 7 | Under 10 loans | Under 10 loans | 0.0% |
| EMM LOANS LLC | 7 | Under 10 loans | Under 10 loans | 12.5% |
| RESICENTRAL, LLC | 7 | Under 10 loans | Under 10 loans | 0.0% |
| First National Bank of Pennsylvania | 7 | Under 10 loans | Under 10 loans | 0.0% |
| Commerce Home Mortgage, Inc. | 6 | Under 10 loans | Under 10 loans | 14.3% |
| First Federal Bank | 6 | Under 10 loans | Under 10 loans | 25.0% |
| MYCUMORTGAGE, LLC | 6 | Under 10 loans | Under 10 loans | 0.0% |
| MORTGAGE SOLUTIONS OF COLORADO, LLC | 6 | Under 10 loans | Under 10 loans | 0.0% |
| Peoples Exchange Bank | 6 | Under 10 loans | Under 10 loans | 14.3% |
| LENDSURE MORTGAGE CORP. | 6 | Under 10 loans | Under 10 loans | 0.0% |
| Miami Savings Bank | 6 | Under 10 loans | Under 10 loans | 0.0% |
| First Merchants Bank | 6 | Under 10 loans | Under 10 loans | 0.0% |
| BETTER MORTGAGE CORPORATION | 5 | Under 10 loans | Under 10 loans | 50.0% |
| LENOX FINANCIAL MORTGAGE CORPORATION, Sage Home Loans Corporation | 5 | Under 10 loans | Under 10 loans | 22.2% |
| Merchants Bank of Indiana | 5 | Under 10 loans | Under 10 loans | 0.0% |
| LIMA ONE CAPITAL, LLC | 5 | Under 10 loans | Under 10 loans | 16.7% |
| EQUITY RESOURCES, INC. | 5 | Under 10 loans | Under 10 loans | 0.0% |
| MUTUAL OF OMAHA MORTGAGE, INC. | 5 | Under 10 loans | Under 10 loans | 0.0% |
| Northpointe Bank | 5 | Under 10 loans | Under 10 loans | 0.0% |
| Central Bank & Trust Company | 5 | Under 10 loans | Under 10 loans | 0.0% |
| Peoples First Savings Bank | 5 | Under 10 loans | Under 10 loans | 0.0% |
| GUILD MORTGAGE COMPANY | 5 | Under 10 loans | Under 10 loans | 0.0% |
| City National Bank of West Virginia | 5 | Under 10 loans | Under 10 loans | 0.0% |
| NexBank | 5 | Under 10 loans | Under 10 loans | 0.0% |
| AMERICAN HERITAGE LENDING, LLC | 4 | Under 10 loans | Under 10 loans | 0.0% |
| CF Bank, National Association | 4 | Under 10 loans | Under 10 loans | 0.0% |
| CHAMPIONS FUNDING, LLC | 4 | Under 10 loans | Under 10 loans | 20.0% |
| Luminate Home Loans, Inc. | 4 | Under 10 loans | Under 10 loans | 0.0% |
| FIRST OHIO HOME FINANCE, INC. | 4 | Under 10 loans | Under 10 loans | 0.0% |
| AMWEST FUNDING CORP. | 4 | Under 10 loans | Under 10 loans | 20.0% |
| GUIDANCE RESIDENTIAL, LLC | 4 | Under 10 loans | Under 10 loans | 0.0% |
| FM Home Loans, LLC | 4 | Under 10 loans | Under 10 loans | 0.0% |
| PANORAMA MORTGAGE GROUP, LLC | 4 | Under 10 loans | Under 10 loans | 0.0% |
| Farmers Bank & Trust | 4 | Under 10 loans | Under 10 loans | 0.0% |
| V.I.P. MORTGAGE, INC. | 4 | Under 10 loans | Under 10 loans | 0.0% |
| JMAC LENDING, INC. | 4 | Under 10 loans | Under 10 loans | 0.0% |
| CONSUMER REAL ESTATE FINANCE CO. | 4 | Under 10 loans | Under 10 loans | 0.0% |
| RIGHT START MORTGAGE, INC. | 4 | Under 10 loans | Under 10 loans | 0.0% |
| TRIAD FINANCIAL SERVICES, INC. | 3 | Under 10 loans | Under 10 loans | 50.0% |
| ARC HOME LLC | 3 | Under 10 loans | Under 10 loans | 25.0% |
| First State Bank | 3 | Under 10 loans | Under 10 loans | 25.0% |
| AMERITRUST MORTGAGE CORPORATION | 3 | Under 10 loans | Under 10 loans | 25.0% |
| VELOCITY COMMERCIAL CAPITAL, LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Citibank, National Association | 3 | Under 10 loans | Under 10 loans | 0.0% |
| First National Bank of Kentucky | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Citadel Servicing Corporation | 3 | Under 10 loans | Under 10 loans | 25.0% |
| First National Bank of America | 3 | Under 10 loans | Under 10 loans | 25.0% |
| STG MORTGAGE INC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| PRIMARY RESIDENTIAL MORTGAGE, INC. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| ANGEL OAK MORTGAGE SOLUTIONS LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| BAY EQUITY LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Baxter Credit Union | 3 | Under 10 loans | Under 10 loans | 0.0% |
| MICHIGAN MUTUAL, INC. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Heritage Bank, Inc. | 3 | Under 10 loans | Under 10 loans | 25.0% |
| AmeriSave Mortgage Corporation | 3 | Under 10 loans | Under 10 loans | 25.0% |
| Regions Bank | 3 | Under 10 loans | Under 10 loans | 0.0% |
| The Merchants National Bank | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Somerville Bank | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Premia Mortgage, LLC DBA Premia Relocation Mortgage | 3 | Under 10 loans | Under 10 loans | 0.0% |
| PURDUE | 3 | Under 10 loans | Under 10 loans | 0.0% |
Ranked by mortgages made here in 2025. "Denied" is the share of this lender’s decisions here that were denials. Another 201 lenders each made 3 or fewer mortgages here, and are counted in the totals above.
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Counts, medians and denial shares are computed from the Home Mortgage Disclosure Act loan-level file for 2025, published by the Consumer Financial Protection Bureau through the FFIEC: every application a covered lender received, as the lender reported it. A median rate is what borrowers got, not what you will be offered — it depends on the loan, the property, your credit and the market on the day, and no figure here is a quote. A median over fewer than 10 loans is not shown: it is a number with no meaning and a real person's rate half-exposed. Those cells say "under 10 loans" and the count is still published. This is information, not advice, and no lender pays to appear.