Refinancing lenders in Hamilton County
3,099 refinancing mortgages were made in Hamilton County, Ohio, in 2025, by 286 lenders. The median rate their borrowers got was 6.500% on a median loan of $205,000. Of 4,000 decisions, 709 were denials — 17.7%, most often for debt-to-income ratio.
| Lender | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| Fifth Third Bank, National Association | 588 | 7.750% | $105,000 | 20.3% |
| UNITED SHORE FINANCIAL SERVICES, LLC | 186 | 5.875% | $275,000 | 17.5% |
| PNC Bank, National Association | 181 | 7.500% | $105,000 | 25.3% |
| Union Savings Bank | 173 | 6.250% | $285,000 | 2.8% |
| Third Federal Savings and Loan Association of Cleveland | 142 | 6.990% | $125,000 | 18.6% |
| Rocket Mortgage, LLC | 136 | 5.990% | $225,000 | 17.7% |
| The Huntington National Bank | 101 | 6.750% | $185,000 | 35.5% |
| Kiavi Funding, Inc. | 99 | 7.250% | $165,000 | 4.8% |
| FREEDOM MORTGAGE CORPORATION | 83 | 6.250% | $235,000 | 2.6% |
| The North Side Bank & Trust Company | 68 | 6.750% | $215,000 | 14.3% |
| CROSSCOUNTRY MORTGAGE, INC. | 67 | 6.125% | $295,000 | 2.8% |
| Guardian Savings Bank | 48 | 6.375% | $300,000 | 11.9% |
| PENNYMAC LOAN SERVICES, LLC | 45 | 5.990% | $245,000 | 10.3% |
| GUARANTEED RATE, INC. | 32 | 6.375% | $375,000 | 8.1% |
| U.S. Bank National Association | 29 | 6.125% | $195,000 | 21.6% |
| LCNB National Bank | 29 | 4.500% | $265,000 | 3.2% |
| WRIGHT-PATT CREDIT UNION, INC. | 28 | 7.500% | $115,000 | 40.0% |
| SUPERIOR CREDIT UNION, INC. | 28 | 5.750% | $180,000 | 12.5% |
| KEMBA CREDIT UNION, INC. | 27 | 5.375% | $265,000 | 20.6% |
| NEWREZ LLC | 26 | 6.125% | $270,000 | 22.2% |
| Mortgage Research Center, LLC | 26 | 5.688% | $260,000 | 29.7% |
| Warsaw Federal Savings and Loan Association | 25 | 4.500% | $235,000 | 10.3% |
| UNION HOME MORTGAGE CORP. | 23 | 6.125% | $285,000 | 8.0% |
| JPMorgan Chase Bank, National Association | 22 | 6.125% | $255,000 | 4.4% |
| AMERIHOME MORTGAGE COMPANY, LLC | 21 | 6.375% | $255,000 | 12.0% |
| AMERICAN NEIGHBORHOOD MORTGAGE ACCEPTANCE COMPANY LLC | 21 | 6.125% | $245,000 | 0.0% |
| The Park National Bank | 21 | 7.000% | $265,000 | 19.2% |
| RiverHills Bank | 20 | 5.188% | $285,000 | 13.0% |
| FIRST COMMUNITY MORTGAGE, INC. | 20 | 5.990% | $240,000 | 9.1% |
| NATIONSTAR MORTGAGE LLC | 19 | 6.125% | $275,000 | 13.0% |
| First Commonwealth Bank | 19 | 5.990% | $225,000 | 19.2% |
| CINFED Federal Credit Union | 19 | 6.125% | $315,000 | 9.5% |
| First Financial Bank | 18 | 6.000% | $170,000 | 46.0% |
| Citizens Bank, National Association | 18 | 7.400% | $200,000 | 17.4% |
| DOMINION FINANCIAL SERVICES, LLC | 18 | 6.813% | $155,000 | 0.0% |
| WesBanco Bank, Inc. | 16 | 6.990% | $205,000 | 15.8% |
| LAKEVIEW LOAN SERVICING, LLC | 15 | 5.990% | $315,000 | 44.2% |
| MUTUAL OF OMAHA MORTGAGE, INC. | 15 | 6.125% | $135,000 | 11.8% |
| PLANET HOME LENDING, LLC | 15 | 5.990% | $255,000 | 15.8% |
| VILLAGE CAPITAL & INVESTMENT LLC | 14 | 5.750% | $305,000 | 10.0% |
| Stock Yards Bank & Trust Company | 14 | 5.990% | $425,000 | 6.7% |
| Bank of America, National Association | 13 | 5.750% | $235,000 | 23.5% |
| LOWER, LLC | 13 | 6.125% | $295,000 | 31.6% |
| ROYAL UNITED MORTGAGE LLC | 13 | 6.500% | $145,000 | 13.3% |
| The Cincinnatus Savings & Loan Co. | 13 | Not published | $195,000 | 7.1% |
| AMERICAN HERITAGE LENDING, LLC | 12 | 8.437% | $215,000 | 0.0% |
| 1st National Bank | 12 | 6.063% | $300,000 | 7.7% |
| AMERICAN FINANCIAL RESOURCES, INC. | 11 | 6.375% | $265,000 | 8.3% |
| Loandepot.Com, LLC | 10 | 5.933% | $205,000 | 33.3% |
| GENERAL ELECTRIC CREDIT UNION | 9 | Under 10 loans | Under 10 loans | 21.4% |
| NEW DAY FINANCIAL, LLC | 9 | Under 10 loans | Under 10 loans | 0.0% |
| Fairway Independent Mortgage Corporation | 9 | Under 10 loans | Under 10 loans | 10.0% |
| 254900CTT87ZKAUTIJ37 | 9 | Under 10 loans | Under 10 loans | 18.2% |
| CLEARPATH LENDING | 9 | Under 10 loans | Under 10 loans | 0.0% |
| Civista Bank | 8 | Under 10 loans | Under 10 loans | 20.0% |
| STOCKTON MORTGAGE CORPORATION | 7 | Under 10 loans | Under 10 loans | 12.5% |
| ENDEAVOR CAPITAL, LLC. | 7 | Under 10 loans | Under 10 loans | 0.0% |
| AMERICAN PACIFIC MORTGAGE CORPORATION | 7 | Under 10 loans | Under 10 loans | 46.2% |
| PRIMELENDING, A PLAINSCAPITAL COMPANY | 7 | Under 10 loans | Under 10 loans | 12.5% |
| Paramount Residential Mortgage Group, Inc. | 7 | Under 10 loans | Under 10 loans | 0.0% |
| POLARIS HOME FUNDING CORP. | 7 | Under 10 loans | Under 10 loans | 0.0% |
| Lendage, LLC | 7 | Under 10 loans | Under 10 loans | 0.0% |
| TEMPLE VIEW CAPITAL FUNDING, LP | 7 | Under 10 loans | Under 10 loans | 12.5% |
| BPL MORTGAGE TRUST, LLC | 7 | Under 10 loans | Under 10 loans | 0.0% |
| Prosperity Home Mortgage, LLC | 7 | Under 10 loans | Under 10 loans | 0.0% |
| Heritage Bank, Inc. | 7 | Under 10 loans | Under 10 loans | 0.0% |
| Broker Solutions, Inc. | 6 | Under 10 loans | Under 10 loans | 33.3% |
| Republic Bank & Trust Company | 6 | Under 10 loans | Under 10 loans | 0.0% |
| LoanUnited.com, LLC | 6 | Under 10 loans | Under 10 loans | 14.3% |
| LENOX FINANCIAL MORTGAGE CORPORATION, Sage Home Loans Corporation | 6 | Under 10 loans | Under 10 loans | 12.5% |
| THE LOAN STORE, INC. | 6 | Under 10 loans | Under 10 loans | 0.0% |
| PROVIDENT FUNDING ASSOCIATES, L.P. | 6 | Under 10 loans | Under 10 loans | 0.0% |
| Sharefax Credit Union | 6 | Under 10 loans | Under 10 loans | 0.0% |
| RUOFF MORTGAGE COMPANY, INC. | 6 | Under 10 loans | Under 10 loans | 0.0% |
| Discover Bank | 5 | Under 10 loans | Under 10 loans | 68.8% |
| GUARANTEED RATE AFFINITY, LLC | 5 | Under 10 loans | Under 10 loans | 37.5% |
| KeyBank National Association | 5 | Under 10 loans | Under 10 loans | 37.5% |
| RAPID MORTGAGE COMPANY | 5 | Under 10 loans | Under 10 loans | 0.0% |
| LONGBRIDGE FINANCIAL, LLC | 5 | Under 10 loans | Under 10 loans | 28.6% |
| NBKC BANK | 5 | Under 10 loans | Under 10 loans | 28.6% |
| CHURCHILL MORTGAGE CORPORATION | 5 | Under 10 loans | Under 10 loans | 0.0% |
| FINANCE OF AMERICA REVERSE LLC | 5 | Under 10 loans | Under 10 loans | 0.0% |
| The State Bank and Trust Company | 5 | Under 10 loans | Under 10 loans | 0.0% |
| German American Bank | 5 | Under 10 loans | Under 10 loans | 0.0% |
| GVC MORTGAGE, INC. | 5 | Under 10 loans | Under 10 loans | 0.0% |
| CARRINGTON MORTGAGE SERVICES, LLC | 4 | Under 10 loans | Under 10 loans | 57.1% |
| SOUTH RIVER MORTGAGE, LLC | 4 | Under 10 loans | Under 10 loans | 0.0% |
| AMERICAN FINANCING CORPORATION | 4 | Under 10 loans | Under 10 loans | 42.9% |
| GoodLeap, LLC | 4 | Under 10 loans | Under 10 loans | 20.0% |
| Liberty | 4 | Under 10 loans | Under 10 loans | 0.0% |
| HOMEBRIDGE FINANCIAL SERVICES, INC. | 4 | Under 10 loans | Under 10 loans | 0.0% |
| OCEANSIDE MORTGAGE COMPANY | 4 | Under 10 loans | Under 10 loans | 0.0% |
| Spring Valley Bank | 4 | Under 10 loans | Under 10 loans | 0.0% |
| CINCINNATI OHIO POLICE | 4 | Under 10 loans | Under 10 loans | 0.0% |
| The Harrison Building and Loan Association | 4 | Under 10 loans | Under 10 loans | 0.0% |
| City National Bank of West Virginia | 4 | Under 10 loans | Under 10 loans | 0.0% |
| SUN WEST MORTGAGE COMPANY, INC. | 4 | Under 10 loans | Under 10 loans | 0.0% |
| Bison State Bank | 4 | Under 10 loans | Under 10 loans | 0.0% |
| MILEND, INC. | 3 | Under 10 loans | Under 10 loans | 57.1% |
| PHH Mortgage Corporation | 3 | Under 10 loans | Under 10 loans | 25.0% |
| Navy Federal Credit Union | 3 | Under 10 loans | Under 10 loans | 40.0% |
| LENDINGONE, LLC | 3 | Under 10 loans | Under 10 loans | 25.0% |
| The Federal Savings Bank | 3 | Under 10 loans | Under 10 loans | 25.0% |
| NFM, INC. | 3 | Under 10 loans | Under 10 loans | 25.0% |
| Northpointe Bank | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Plains Commerce Bank | 3 | Under 10 loans | Under 10 loans | 25.0% |
| SPRING EQ, LLC | 3 | Under 10 loans | Under 10 loans | 40.0% |
| 21st Mortgage Corporation | 3 | Under 10 loans | Under 10 loans | 50.0% |
| DEEPHAVEN MORTGAGE LLC | 3 | Under 10 loans | Under 10 loans | 25.0% |
| LIMA ONE CAPITAL, LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| T2 FINANCIAL LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| CHAMPIONS FUNDING, LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Archwest Funding | 3 | Under 10 loans | Under 10 loans | 0.0% |
| VICTORY MORTGAGE, L.L.C. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| COREVEST AMERICAN FINANCE LENDER LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Peoples Exchange Bank | 3 | Under 10 loans | Under 10 loans | 0.0% |
| VAN DYK MORTGAGE CORPORATION | 3 | Under 10 loans | Under 10 loans | 0.0% |
| SIBCY CLINE MORTGAGE SERVICES, INC. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| THE FRIENDSHIP STATE BANK | 3 | Under 10 loans | Under 10 loans | 0.0% |
| UBS Bank USA | 3 | Under 10 loans | Under 10 loans | 0.0% |
| The Ohio Valley Bank Company | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Peoples Bank | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Equity Prime Mortgage LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| SOFI BANK, NATIONAL ASSOCIATION | 2 | Under 10 loans | Under 10 loans | 0.0% |
| LUMENT REAL ESTATE CAPITAL, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| BETTER MORTGAGE CORPORATION | 2 | Under 10 loans | Under 10 loans | 33.3% |
| Cornerstone First Mortgage, Inc | 2 | Under 10 loans | Under 10 loans | 0.0% |
| A&D Mortgage LLC | 2 | Under 10 loans | Under 10 loans | 33.3% |
| Filo Mortgage, L.L.C. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| CMG MORTGAGE, INC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Morgan Stanley Private Bank, National Association | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Forcht Bank, National Association | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Flagstar Bank, N.A. | 2 | Under 10 loans | Under 10 loans | 33.3% |
| PLAZA HOME MORTGAGE, INC. | 2 | Under 10 loans | Under 10 loans | 33.3% |
| TRADITIONAL MORTGAGE ACCEPTANCE CORPORATION | 2 | Under 10 loans | Under 10 loans | 33.3% |
| RESIDENTIAL WHOLESALE MORTGAGE, INC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| BAYSHORE MORTGAGE FUNDING, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| PIKE CREEK MORTGAGE SERVICES, INC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| CF Bank, National Association | 2 | Under 10 loans | Under 10 loans | 0.0% |
| USAA Federal Savings Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| WALKER & DUNLOP, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| VISTA POINT MORTGAGE, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| AMERICAN FINANCIAL NETWORK, INC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| AMERICAN INTERNET MORTGAGE, INC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Central Bank & Trust Company | 2 | Under 10 loans | Under 10 loans | 0.0% |
| University Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| KIND LENDING, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| FCN Bank, National Association | 2 | Under 10 loans | Under 10 loans | 0.0% |
| NATIONWIDE LIFE INSURANCE COMPANY | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Stifel Bank and Trust | 2 | Under 10 loans | Under 10 loans | 0.0% |
| OCMBC, INC. | 1 | Under 10 loans | Under 10 loans | 25.0% |
| PENTAGON FEDERAL CREDIT UNION | 1 | Under 10 loans | Under 10 loans | 66.7% |
| Hometown Equity Mortgage, LLC | 1 | Under 10 loans | Under 10 loans | 66.7% |
| Synergy One Lending, Inc. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| CITY FIRST MORTGAGE SERVICES, L.L.C. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| DAS Acquisition Company, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| 984500RF83EA742B5589 | 1 | Under 10 loans | Under 10 loans | 50.0% |
| Barrington Bank & Trust Company, National Association | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Wells Fargo Bank, National Association | 1 | Under 10 loans | Under 10 loans | 50.0% |
| Connexus Credit Union | 1 | Under 10 loans | Under 10 loans | 50.0% |
| Mortgage Right | 1 | Under 10 loans | Under 10 loans | 0.0% |
| GOLD STAR MORTGAGE FINANCIAL GROUP, CORPORATION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| FIRST COLONY MORTGAGE CORPORATION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Commerce Home Mortgage, Inc. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Atlantic Coast Mortgage, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Pinnacle Bank | 1 | Under 10 loans | Under 10 loans | 50.0% |
| NEXERA HOLDING LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Bethpage Federal Credit Union | 1 | Under 10 loans | Under 10 loans | 50.0% |
| Farmers Bank & Trust | 1 | Under 10 loans | Under 10 loans | 0.0% |
| NATIONS DIRECT MORTGAGE, LLC | 1 | Under 10 loans | Under 10 loans | 50.0% |
| ALLIANT CREDIT UNION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| VERITAS FUNDING, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Reliable Holdings Manager dba Lendz Financial | 1 | Under 10 loans | Under 10 loans | 0.0% |
| SmartFi Home Loans, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| RF RENOVO MANAGEMENT COMPANY, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| MortgageCountry, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| General Mortgage Capital Corporation | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Nations Lending Corporation | 1 | Under 10 loans | Under 10 loans | 0.0% |
| HOWARD HANNA FINANCIAL SERVICES, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| ARK-LA-TEX FINANCIAL SERVICES, LLC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| ARC HOME LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Click n' Close, Inc. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Wilmington Savings Fund Society, FSB | 1 | Under 10 loans | Under 10 loans | 0.0% |
| MERCHANTS CAPITAL CORP. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| AMERITRUST MORTGAGE CORPORATION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| GUILD MORTGAGE COMPANY | 1 | Under 10 loans | Under 10 loans | 0.0% |
| ARBOR REALTY TRUST, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| HIGHTECHLENDING INC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| American Bank & Trust Company, Inc. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| MOVEMENT MORTGAGE, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| First Federal Savings and Loan Association of Lakewood | 1 | Under 10 loans | Under 10 loans | 0.0% |
| EMM LOANS LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| NETWORK CAPITAL FUNDING CORPORATION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| FIRST ALLIANCE HOME MORTGAGE, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Wings Financial Credit Union | 1 | Under 10 loans | Under 10 loans | 0.0% |
| ASSOCIATED MORTGAGE BANKERS, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Charles Schwab Bank, SSB | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Valley Central Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Home Loan Investment Bank, F.S.B. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| SOUTH CENTRAL BANK, INC. | 1 | 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 86 lenders each made 1 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.