Home purchase lenders in Warren County
3,482 home purchase mortgages were made in Warren County, Ohio, in 2025, by 296 lenders. The median rate their borrowers got was 6.500% on a median loan of $335,000. Of 3,859 decisions, 263 were denials — 6.8%, most often for debt-to-income ratio.
| Lender | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| Union Savings Bank | 262 | 6.750% | $380,000 | 4.2% |
| UNITED SHORE FINANCIAL SERVICES, LLC | 206 | 6.625% | $325,000 | 7.6% |
| VICTORY MORTGAGE, L.L.C. | 179 | 6.000% | $455,000 | 4.3% |
| The Huntington National Bank | 162 | 6.500% | $335,000 | 4.7% |
| WRIGHT-PATT CREDIT UNION, INC. | 125 | 5.875% | $355,000 | 6.2% |
| Rocket Mortgage, LLC | 116 | 6.375% | $345,000 | 12.7% |
| NVR Mortgage Finance, Inc. | 102 | 6.125% | $350,000 | 7.3% |
| PRIMELENDING, A PLAINSCAPITAL COMPANY | 100 | 6.495% | $310,000 | 0.9% |
| CROSSCOUNTRY MORTGAGE, INC. | 100 | 6.750% | $315,000 | 1.0% |
| UNION HOME MORTGAGE CORP. | 86 | 6.625% | $305,000 | 8.5% |
| RUOFF MORTGAGE COMPANY, INC. | 80 | 6.750% | $305,000 | 4.6% |
| FIRST COMMUNITY MORTGAGE, INC. | 79 | 6.750% | $275,000 | 2.3% |
| Fifth Third Bank, National Association | 74 | 6.500% | $305,000 | 11.6% |
| U.S. Bank National Association | 60 | 6.563% | $335,000 | 4.6% |
| 1st National Bank | 57 | 6.250% | $325,000 | 0.0% |
| JPMorgan Chase Bank, National Association | 53 | 6.125% | $365,000 | 7.0% |
| DAS Acquisition Company, LLC | 53 | 6.750% | $275,000 | 0.0% |
| Mortgage Research Center, LLC | 51 | 6.250% | $335,000 | 10.3% |
| Guardian Savings Bank | 51 | 6.500% | $335,000 | 7.1% |
| M/I FINANCIAL, LLC | 50 | 5.875% | $535,000 | 1.6% |
| GUARANTEED RATE, INC. | 46 | 6.483% | $325,000 | 4.2% |
| Third Federal Savings and Loan Association of Cleveland | 43 | 6.240% | $325,000 | 4.3% |
| FIRST EQUITY MORTGAGE INCORPORATED | 40 | 6.433% | $415,000 | 29.8% |
| GUARANTEED RATE AFFINITY, LLC | 39 | 6.575% | $405,000 | 4.8% |
| Fairway Independent Mortgage Corporation | 39 | 6.875% | $305,000 | 0.0% |
| VANDERBILT MORTGAGE AND FINANCE, INC. | 32 | 6.433% | $355,000 | 13.2% |
| Paramount Residential Mortgage Group, Inc. | 28 | 6.625% | $370,000 | 0.0% |
| LCNB National Bank | 28 | 6.625% | $325,000 | 6.5% |
| RAPID MORTGAGE COMPANY | 25 | 6.750% | $305,000 | 0.0% |
| LOWER, LLC | 25 | 6.624% | $275,000 | 0.0% |
| PNC Bank, National Association | 24 | 6.438% | $295,000 | 14.3% |
| Loandepot.Com, LLC | 24 | 6.490% | $260,000 | 0.0% |
| First Financial Bank | 23 | 6.990% | $285,000 | 17.2% |
| SIBCY CLINE MORTGAGE SERVICES, INC. | 22 | 6.875% | $365,000 | 4.4% |
| WesBanco Bank, Inc. | 21 | 6.500% | $305,000 | 14.8% |
| Day Air Credit Union, Inc. | 21 | 6.125% | $445,000 | 0.0% |
| T2 FINANCIAL LLC | 21 | 6.625% | $285,000 | 4.4% |
| NEWREZ LLC | 20 | 6.688% | $400,000 | 13.0% |
| AMERICAN NEIGHBORHOOD MORTGAGE ACCEPTANCE COMPANY LLC | 20 | 6.990% | $265,000 | 4.6% |
| SUPERIOR CREDIT UNION, INC. | 20 | 6.125% | $330,000 | 0.0% |
| Navy Federal Credit Union | 18 | 6.000% | $365,000 | 0.0% |
| BAYSHORE MORTGAGE FUNDING, LLC | 18 | 6.625% | $320,000 | 0.0% |
| Cornerstone First Mortgage, Inc | 18 | 6.625% | $285,000 | 0.0% |
| Synergy One Lending, Inc. | 17 | 6.750% | $365,000 | 10.0% |
| 3RD STREET FINANCIAL CORP. | 17 | 6.624% | $225,000 | 0.0% |
| Gateway First Bank | 17 | 6.750% | $295,000 | 0.0% |
| RMC HOME MORTGAGE, LLC | 17 | 6.125% | $465,000 | 0.0% |
| RiverHills Bank | 16 | 6.625% | $355,000 | 20.0% |
| PENNYMAC LOAN SERVICES, LLC | 16 | 6.000% | $310,000 | 5.9% |
| AMERICAN PACIFIC MORTGAGE CORPORATION | 16 | 6.688% | $305,000 | 0.0% |
| CMG MORTGAGE, INC. | 14 | 6.750% | $335,000 | 6.3% |
| Broker Solutions, Inc. | 14 | 6.933% | $300,000 | 0.0% |
| NFM, INC. | 14 | 6.625% | $305,000 | 0.0% |
| GENERAL ELECTRIC CREDIT UNION | 13 | 6.375% | $285,000 | 0.0% |
| German American Bank | 13 | 6.500% | $525,000 | 12.5% |
| Bank of America, National Association | 13 | 5.875% | $305,000 | 18.8% |
| The North Side Bank & Trust Company | 13 | 7.000% | $245,000 | 6.7% |
| Peoples Bank | 13 | 6.750% | $185,000 | 7.1% |
| USAA Federal Savings Bank | 11 | 6.125% | $305,000 | 42.1% |
| First National Bank of Pennsylvania | 11 | 6.250% | $1,005,000 | 7.7% |
| CHURCHILL MORTGAGE CORPORATION | 11 | 6.990% | $315,000 | 0.0% |
| MUTUAL OF OMAHA MORTGAGE, INC. | 11 | 6.250% | $415,000 | 0.0% |
| Mortgage Right | 10 | 6.625% | $280,000 | 16.7% |
| THE LOAN STORE, INC. | 10 | 6.625% | $450,000 | 0.0% |
| VAN DYK MORTGAGE CORPORATION | 10 | 6.875% | $290,000 | 0.0% |
| ZILLOW HOME LOANS, LLC | 10 | 6.563% | $275,000 | 0.0% |
| PROVIDENT FUNDING ASSOCIATES, L.P. | 10 | 6.125% | $465,000 | 0.0% |
| GVC MORTGAGE, INC. | 10 | 6.375% | $455,000 | 0.0% |
| Kiavi Funding, Inc. | 10 | 10.220% | $180,000 | 0.0% |
| RELIANCE FIRST CAPITAL, LLC | 10 | 6.625% | $395,000 | 0.0% |
| KeyBank National Association | 9 | Under 10 loans | Under 10 loans | 18.2% |
| PLANET HOME LENDING, LLC | 9 | Under 10 loans | Under 10 loans | 25.0% |
| First Commonwealth Bank | 9 | Under 10 loans | Under 10 loans | 0.0% |
| ARK-LA-TEX FINANCIAL SERVICES, LLC. | 9 | Under 10 loans | Under 10 loans | 0.0% |
| Warsaw Federal Savings and Loan Association | 8 | Under 10 loans | Under 10 loans | 11.1% |
| Wells Fargo Bank, National Association | 8 | Under 10 loans | Under 10 loans | 0.0% |
| Truist Bank | 8 | Under 10 loans | Under 10 loans | 11.1% |
| FIRST COLONY MORTGAGE CORPORATION | 8 | Under 10 loans | Under 10 loans | 0.0% |
| Civista Bank | 8 | Under 10 loans | Under 10 loans | 0.0% |
| Zippy Loans, LLC | 8 | Under 10 loans | Under 10 loans | 11.1% |
| AMERICAN FINANCIAL RESOURCES, INC. | 8 | Under 10 loans | Under 10 loans | 0.0% |
| GUILD MORTGAGE COMPANY | 8 | Under 10 loans | Under 10 loans | 0.0% |
| Citizens Bank, National Association | 8 | Under 10 loans | Under 10 loans | 0.0% |
| KEMBA CREDIT UNION, INC. | 8 | Under 10 loans | Under 10 loans | 0.0% |
| 21st Mortgage Corporation | 7 | Under 10 loans | Under 10 loans | 68.0% |
| Farm Credit Mid-America | 7 | Under 10 loans | Under 10 loans | 20.0% |
| Valley Central Bank | 7 | Under 10 loans | Under 10 loans | 0.0% |
| STOCKTON MORTGAGE CORPORATION | 7 | Under 10 loans | Under 10 loans | 0.0% |
| PLAZA HOME MORTGAGE, INC. | 7 | Under 10 loans | Under 10 loans | 0.0% |
| Prosperity Home Mortgage, LLC | 6 | Under 10 loans | Under 10 loans | 0.0% |
| Click n' Close, Inc. | 6 | Under 10 loans | Under 10 loans | 0.0% |
| NATIONSTAR MORTGAGE LLC | 6 | Under 10 loans | Under 10 loans | 0.0% |
| Republic Bank & Trust Company | 6 | Under 10 loans | Under 10 loans | 0.0% |
| FREEDOM MORTGAGE CORPORATION | 6 | Under 10 loans | Under 10 loans | 0.0% |
| Peoples First Savings Bank | 6 | Under 10 loans | Under 10 loans | 0.0% |
| The Cincinnatus Savings & Loan Co. | 6 | Under 10 loans | Under 10 loans | 0.0% |
| BETTER MORTGAGE CORPORATION | 5 | Under 10 loans | Under 10 loans | 25.0% |
| SUN WEST MORTGAGE COMPANY, INC. | 5 | Under 10 loans | Under 10 loans | 0.0% |
| SOFI BANK, NATIONAL ASSOCIATION | 5 | Under 10 loans | Under 10 loans | 0.0% |
| A&D Mortgage LLC | 5 | Under 10 loans | Under 10 loans | 28.6% |
| Stock Yards Bank & Trust Company | 5 | Under 10 loans | Under 10 loans | 0.0% |
| Dollar Bank, Federal Savings Bank | 5 | Under 10 loans | Under 10 loans | 0.0% |
| Tomo Mortgage, LLC | 4 | Under 10 loans | Under 10 loans | 20.0% |
| Equity Prime Mortgage LLC | 4 | Under 10 loans | Under 10 loans | 0.0% |
| SIRVA MORTGAGE, INC. | 4 | Under 10 loans | Under 10 loans | 0.0% |
| CINFED Federal Credit Union | 4 | Under 10 loans | Under 10 loans | 0.0% |
| NBKC BANK | 4 | Under 10 loans | Under 10 loans | 20.0% |
| THE OLD FORT BANKING COMPANY | 4 | Under 10 loans | Under 10 loans | 0.0% |
| LIBERTY HOME MORTGAGE CORPORATION | 4 | Under 10 loans | Under 10 loans | 0.0% |
| Premia Mortgage, LLC DBA Premia Relocation Mortgage | 4 | Under 10 loans | Under 10 loans | 0.0% |
| CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP | 4 | Under 10 loans | Under 10 loans | 20.0% |
| GOLD STAR MORTGAGE FINANCIAL GROUP, CORPORATION | 4 | Under 10 loans | Under 10 loans | 0.0% |
| UBS Bank USA | 4 | Under 10 loans | Under 10 loans | 0.0% |
| DIAMOND RESIDENTIAL MORTGAGE CORPORATION | 4 | Under 10 loans | Under 10 loans | 0.0% |
| PIKE CREEK MORTGAGE SERVICES, INC. | 4 | Under 10 loans | Under 10 loans | 0.0% |
| UIF CORPORATION | 3 | Under 10 loans | Under 10 loans | 25.0% |
| GUIDANCE RESIDENTIAL, LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| DEEPHAVEN MORTGAGE LLC | 3 | Under 10 loans | Under 10 loans | 50.0% |
| UNITED MORTGAGE CORP. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| The Park National Bank | 3 | Under 10 loans | Under 10 loans | 20.0% |
| DIRECT MORTGAGE LOANS, LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| ENVOY MORTGAGE, LTD | 3 | Under 10 loans | Under 10 loans | 0.0% |
| AMWEST FUNDING CORP. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| LEADERONE FINANCIAL CORPORATION | 3 | Under 10 loans | Under 10 loans | 25.0% |
| MOVEMENT MORTGAGE, LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Sharefax Credit Union | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Plains Commerce Bank | 3 | Under 10 loans | Under 10 loans | 0.0% |
| ALLIED MORTGAGE GROUP, INC. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| AMERICAN HERITAGE LENDING, LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| CHAMPIONS FUNDING, LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Citibank, National Association | 3 | Under 10 loans | Under 10 loans | 0.0% |
| The Twin Valley Bank | 3 | Under 10 loans | Under 10 loans | 0.0% |
| RIVER VALLEY CREDIT UNION, INC. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Minster Bank | 3 | Under 10 loans | Under 10 loans | 0.0% |
| KIND LENDING, LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| LENDINGONE, LLC | 2 | Under 10 loans | Under 10 loans | 71.4% |
| POLARIS HOME FUNDING CORP. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| RESIDENTIAL WHOLESALE MORTGAGE, INC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| The State Bank and Trust Company | 2 | Under 10 loans | Under 10 loans | 0.0% |
| HOWARD HANNA FINANCIAL SERVICES, INC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Commerce Home Mortgage, Inc. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| THE EQUITABLE MORTGAGE CORPORATION | 2 | Under 10 loans | Under 10 loans | 0.0% |
| NEXERA HOLDING LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| AURGROUP FINANCIAL CREDIT UNION, INC. | 2 | Under 10 loans | Under 10 loans | 33.3% |
| NexBank | 2 | Under 10 loans | Under 10 loans | 33.3% |
| MORTGAGE SOLUTIONS OF COLORADO, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Citadel Servicing Corporation | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Nations Lending Corporation | 2 | Under 10 loans | Under 10 loans | 0.0% |
| ARC HOME LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| PRIMARY RESIDENTIAL MORTGAGE, INC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Liberty | 2 | Under 10 loans | Under 10 loans | 0.0% |
| EUSTIS MORTGAGE CORPORATION | 2 | Under 10 loans | Under 10 loans | 0.0% |
| EQUITY RESOURCES, INC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Charles Schwab Bank, SSB | 2 | Under 10 loans | Under 10 loans | 0.0% |
| City National Bank of West Virginia | 2 | Under 10 loans | Under 10 loans | 0.0% |
| DAY-MET CREDIT UNION, INC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| BAY EQUITY LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Luminate Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| BoxCar Mortgage, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Merchants Bank of Indiana | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Heritage Bank, Inc. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| LAKE MICHIGAN CREDIT UNION | 2 | Under 10 loans | Under 10 loans | 0.0% |
| PHH Mortgage Corporation | 2 | Under 10 loans | Under 10 loans | 0.0% |
| TRIAD FINANCIAL SERVICES, INC. | 1 | Under 10 loans | Under 10 loans | 50.0% |
| LENOX FINANCIAL MORTGAGE CORPORATION, Sage Home Loans Corporation | 1 | Under 10 loans | Under 10 loans | 50.0% |
| PENTAGON FEDERAL CREDIT UNION | 1 | Under 10 loans | Under 10 loans | 66.7% |
| Filo Mortgage, L.L.C. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| General Mortgage Capital Corporation | 1 | Under 10 loans | Under 10 loans | 0.0% |
| DEVELOPER'S MORTGAGE COMPANY | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Grand Bank for Savings, FSB | 1 | Under 10 loans | Under 10 loans | 50.0% |
| Magnolia Bank, Incorporated | 1 | Under 10 loans | Under 10 loans | 66.7% |
| Texana Bank, National Association | 1 | Under 10 loans | Under 10 loans | 0.0% |
| First Federal Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Sierra Pacific Mortgage Company, Inc. | 1 | Under 10 loans | Under 10 loans | 50.0% |
| MYCUMORTGAGE, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| NORTHERN MORTGAGE SERVICES, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| ABSOLUTE HOME MORTGAGE CORPORATION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| CREDIT UNION MORTGAGE ASSOCIATION, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| MORTGAGE ACCESS CORP. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| EMM LOANS LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| LAKEVIEW LOAN SERVICING, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Genisys Credit Union | 1 | Under 10 loans | Under 10 loans | 0.0% |
| CF Bank, National Association | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Genesis Capital, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Quontic Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| NQM FUNDING, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| The Union Bank Company | 1 | Under 10 loans | Under 10 loans | 0.0% |
| 254900CTT87ZKAUTIJ37 | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Community Trust Bank, Inc. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| RF RENOVO MANAGEMENT COMPANY, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| The Merchants National Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| FlexPoint, Inc. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| PREMIUM MORTGAGE CORPORATION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| BMO Bank National Association | 1 | Under 10 loans | Under 10 loans | 0.0% |
| New Carlisle Federal Savings Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Peoples Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| First IC Corporation | 1 | Under 10 loans | Under 10 loans | 0.0% |
| LAND HOME FINANCIAL SERVICES, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| JMAC LENDING, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| STANFORD Federal Credit Union | 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 96 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.