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Find the Best Mortgage Lenders in Cincinnati, OH

To realize the dream of homeownership in Cincinnati, most residents take out a mortgage. Before signing a contract, take time to understand the mortgage lending process and learn about different types of loans. This guide walks you through the loan process and lists the best mortgage lenders in Cincinnati.

Top 16 Cincinnati Mortgage Companies

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Quicken Loans
Read 5,300 Reviews

Conventional mortgages and FHA, VA and jumbo loans. Refinancing options available to lower payments, change terms or take cash out. Fast online application through RocketMortgage. 3% to 6% closing costs. 90-day locked rates.

Learn More Call Now Toll Free (844) 936-3123
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First Internet Bank
Read 346 Reviews

Online full-service bank. Personal and business products. Fixed, ARM, jumbo, FHA, VA and home equity mortgages. No physical branches. Mobile banking through app. Free ATM card with most accounts.

Get a Quote Call Now Toll Free (855) 767-2424
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AmeriSave Mortgage
Read 3,777 Reviews

Offers affordable mortgages and an easy online approval process. Custom quotes with no obligations, commitments or hidden fees. Provides conventional, jumbo, FHA, VA and USDA loans. No application or origination fees.

Learn More Call Now Toll Free (866) 815-0655
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Rocket Mortgage
Read 212 Reviews

Online mortgage company. Provides multiple mortgage options and refinancing programs. Part of the Quicken Loans family. 24/7 online services. No in-person assistance. Connects you with home loan experts.

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Mr. Cooper
Read 9,609 Reviews

Provides new home loans and mortgage refinancing. Offers competitive interest rates. Award-winning mobile app. Online loan tracking. Guarantees closing date or the company makes your first mortgage payment. Rewards program.

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North American Savings Bank
Read 86 Reviews

Offers mortgages, refinancing, emergency loans and more. Special services for veterans. Multiple locations across the Kansas City, Missouri, area. Limited nationwide services online. Online mortgage rate calculator.

Learn More Call Now Toll Free (844) 489-1676
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ClearPath Lending
Read 1,031 Reviews

Nationwide mortgage lender based in California. Offers VA, FHA, conventional and jumbo loans in almost every state. Specializes in fixed-rate and adjustable-rate loans and guarantees low prices. Pre-qualifications in 15 minutes.

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Vanderbilt Mortgage
Read 2,073 Reviews

Provides mortgage financing for manufactured, mobile and modular homes. Mortgages include conventional, FHA, biweekly and land loans. Programs for low credit scores. Closing fees usually from 3% to 5%. Online mortgage calculator.

BOK Financial Mortgage
Read 1,710 Reviews

Offers home loans, mortgage refinancing and home equity loans with competitive rates and flexible plans. Online application. Prioritizes one-on-one customer support. Diverse mortgage products. Lenient down payment requirements.

Amerifirst Home Mortgage Read Author Review

Welcomes first home, condo, second home, remodel and refinancing customers. Provides loans for buyers who want to buy a home and fix it up. Offers preapprovals.

Franklin Financial Group Read Author Review

Offers preapprovals and little or no down payment loan options. Works with you to find the best mortgage for your needs. Some loans available with no appraisal and no mortgage insurance.

McKinley Mortgage Read Author Review

Offers loans from a variety of lenders to find the right loan for your needs. Provides competitive rate loan solutions for customers with less-than-perfect credit. Accepts minimum 580 credit score on some loans.

NRL Mortgage Read Author Review

Offers mortgage programs for alternative types of credit and income, along with conventional, FHA, VA, USDA and jumbo loans in Cincinnati. Licensed Cincinnati loan originators.

PrimeLending Cincinnati Read Author Review

Offers popular fixed- and adjustable-rate loans with low monthly payments. Provides different down payment options with assistance programs available in some cases. Closing cost assistance also available for those who qualify.

River City Mortgage Read Author Review

Works with a variety of lenders, loan products and programs that empower future buyers who couldn't usually purchase a home. VA and USDA loans available with 0% down for qualified buyers.

Superior Mortgage Services Inc. Read Author Review

Provides conventional, fixed and adjustable-rate, VA, FHA, USDA, jumbo, remodeling, refinancing and HARP loans for Cincinnati customers. Works with many lenders to find you the best rate.

Cincinnati skyline

Choosing a home loan in Cincinnati, OH

There are multiple home loans available, and each one has clear requirements dictated by the federal government or individual lenders. Your credit score, down payment, potential home’s size, neighborhood and price are all vital factors when a lender is choosing and calculating your mortgage.

  • Mount Adams: One of Cincinnati’s most expensive neighborhoods, Mount Adams has restaurants and bars and is close to the stadium and the ballpark. For buyers who want to make an investment that appreciates, home prices in Mount Adams are expected to rise. The median home price in the area is $407,500. Since many homes are above the federal conforming loan limit, a jumbo loan would be appropriate for buyers in this market.
  • Hyde Park: An average home price of $374,100 and charming historic character make Hyde Park an affluent area. Conventional 15- or 30-year mortgages make sense here. The neighborhood has a suburban feel, and people are settling down to raise families and likely stay in their homes for many years.
  • West Chester: Highly rated schools and an affordable median home price of $210,900 make West Chester a popular place for young families. As an area for first-time buyers starting their lives in a medium-income community, homeowners should explore a government-backed FHA loan.
  • Deer Park: Home values have risen in Deer Park over the past year, and analysts expect further increases. But for now, the median home price at $154,800 is still very affordable. Veterans using a VA loan in Cincinnati to finance 100% or the majority of the purchase price can get an affordable mortgage payment on homes in Deer Park.

Cincinnati federal mortgage requirements

If you are looking to use a loan backed by the Federal Housing Administration (FHA), the minimum requirements are:

  • A Mortgage Insurance Premium (MIP) if your down payment is less than 20%
  • A down payment of 3.5% if your FICO score is 580, or a down payment of 10% if your FICO score is between 500 and 579
  • A debt-to-income ratio above 43%
  • A steady income with proof of employment
  • The home purchased with the mortgage must be a primary residence

Finding a Cincinnati mortgage lender

Before applying for a loan, you should choose a company that offers the lowest rate — focus on the interest rate, APR and any term conditions like prepayment penalties. Next, decide if you prefer an online or brick-and-mortar mortgage lender. Some homebuyers might prefer a local mortgage broker that offers customers guidance and support during the loan process, while buyers accustomed to a streamlined digital process might choose an online mortgage company.

Once you have a short list of lenders, check online customer reviews and get recommendations from friends and family. Finally, look for mortgage lenders that belong to associations that set standards for quality and service, like the National Association of Mortgage Brokers and the Ohio Association of Mortgage Professionals.

Cincinnati home loan FAQ

How long does it take to get approved for a mortgage loan in Cincinnati?
Some mortgage lenders offer to process your application in 24 hours for preapproval. The process takes an average of 30 to 45 days to get approved for a mortgage loan in Cincinnati.
What is the average mortgage in Ohio?
The most popular type of mortgage in Ohio is the 30-year fixed-rate mortgage.
Can you put an offer in for a house without a mortgage in Cincinnati?
Buyers can put an offer on a house in Cincinnati without a mortgage, but unless you are paying cash, the offer is contingent upon your loan approval. Having a loan preapproval solidifies your offer and gives you an edge over other buyers who make offers on the same home but are not preapproved.

Not sure how to choose?

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    Cincinnati mortgage company information

    River City Mortgage

    River City Mortgage is a lender and a broker. The company works with many loan companies and wholesale lenders to bring you the lowest rate. River City Mortgage works with your profile to get the most out of your qualifications. It offers conventional, FHA, VA, HARP and USDA loan types along with refinancing options. There is a 3% minimum down payment for conventional loans, but 0% for VA and USDA loans and no application fees. The company provides a free, quick consultation after you apply for preapproval and offers access to property-specific preapprovals.

    • Address: 4318 Montgomery Road, Cincinnati, OH 45212
    • Phone: (513) 631-6400
    • Hours: M - F: 9am - 5pm
    • Website:
    Franklin Financial Group

    Franklin Financial Group offers mortgages from several national lenders to bring you the best loan for your financial situation. The company has no down payment VA and Ohio USDA loans available. Franklin Financial Group also offers Fannie Mae HomePath loans with no appraisal and no mortgage insurance. Its conventional loans come with as little as 3% down, and FHA loans have 3.5% down. You can apply online or in person at its Cincinnati location.

    • Address: 755 Maidstone Court, Cincinnati, OH 45230
    • Phone: (513) 231-4927
    • Hours: M - F: 9am - 6pm
    • Website:
    Amerifirst Home Mortgage

    Amerifirst has options for all buyers and homeowners. The company works with you to build your credit and start the mortgage application process. The lender offers conventional, FHA, VA, USDA and remodeling FHA 203 loans. Amerifirst’s payment plans include a 14-day grace period if you’re running behind on bills, and it provides payment assistance options for those struggling with a mortgage.

    • Address: 7631 Cheviot Road, Ste. 2A, Cincinnati, OH 45247
    • Phone: (513) 985-3000
    • Hours: M - F: 8am - 5pm
    • Website:
    NRL Mortgage

    NRL Mortgage works to find mortgage solutions for customers who might not have a conventional credit history, including a bank statement program for self-employed individuals and an asset utilization program for people with limited income but substantial assets. The company also works with lenders to provide FHA, VA, USDA, conventional and jumbo loans up to $3 million. Its FHA and VA loans have less restrictive credit requirements than conventional loans.

    • Address: 1111 St. Gregory St., Floor 6, Cincinnati, OH 45202; Multiple locations
    • Phone: (513) 592-3825
    • Hours: M - F: 9am - 5pm
    • Website:
    PrimeLending Cincinnati

    PrimeLending is a mortgage lender that offers conventional, fixed, adjustable, VA, FHA, USDA, jumbo, renovation and refinancing loans. Some of PrimeLending’s programs have as little as 3% down. Its 30-year fixed-rate loans have relatively low monthly payments. The lender offers down payment assistance programs and NeighborhoodEdge closing cost assistance up to $2,000 for qualified homebuyers in low-to-moderate income census tract areas. PrimeLending offers fast and free evaluations for your financial situation.

    • Address: 2718 Observatory Ave., Cincinnati, OH 45208; Multiple locations
    • Phone: (513) 698-8026
    • Hours: M - F: 8:30am - 5pm
    • Website:
    McKinley Mortgage

    McKinley Mortgage is a broker that offers loans from a variety of lenders to help find the best mortgage for your needs. The lender provides a 30-day grace period before your first payment is due. McKinley works to get your preliminary approval in 24 hours and expedite closing once you finalize your requirements. It offers FHA, VA, conventional, fixed- and adjustable-rate mortgages in Cincinnati. Some 15- and 30-year fixed conventional loans only require a 640 credit score. Purchase and refinance loans with a minimum 580 credit score are available through McKinley Mortgage.

    • Address: 4520 Cooper Road, Ste. 301, Cincinnati, OH 45242
    • Phone: (513) 791-2700
    • Hours: M - F: 9am - 5pm
    • Website:
    Superior Mortgage Services Inc.

    Superior Mortgage Services is a mortgage broker in Cincinnati that provides a mortgage professional to help find the right program to fit your needs at the lowest rate available. Its conventional loans have down payments as low as 1% to 3%. Superior Mortgage offers prequalification letters to assist you in the buying process, and you can apply online, call or visit its office.

    • Address: 2126 Evanor Lane, Cincinnati, OH 45244
    • Phone: (513) 474-0899
    • Hours: M - Sat: 8am - 8pm; Sun: 11am - 5pm
    • Website:
    by Sandi Pope ConsumerAffairs Research Team

    Sandi Pope previously worked in the nonprofit sector as an advocate for environmental and social change and believes information access is a human right. As a member of the ConsumerAffairs Research Team, she seeks to provide consumers with the necessary information needed in making life-altering decisions.