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Find the Best Mortgage Lenders in Cincinnati, OH

Cincinnati is developing a competitive real estate market, particularly in neighborhoods like Hyde Park and Pleasant Ridge. If you’re in the market for a new home, one of the first steps is choosing a mortgage lender. We researched the best mortgage lenders in Cincinnati to help you make informed decisions during the home buying process.

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Compare Top Mortgage Lenders

Quicken Loans
Overall satisfaction rating
  • Adjustable, 15- and 30-year fixed, jumbo, FHA, and VA loans
  • Mortgage refinancing for homes and investment properties
  • Provides educational materials
  • Available in Cincinnati and nationwide
Learn More (800) 940-2133 Read More
Rocket Mortgage
Overall satisfaction rating
  • Conventional, FHA, jumbo, VA and refinancing loans
  • Mortgage refinancing for condos and houses
  • Offers educational materials for interested customers
  • Available in Cincinnati and nationwide
Learn More (800) 762-5471 Read More
Overall satisfaction rating
  • Calculate your payments online
  • A+ rating with the BBB
  • Available in Cincinnati
  • Offers a variety of loan options
Learn More (866) 815-0655 Read More
Overall satisfaction rating
  • A direct lender
  • Online application service
  • Experienced specialists
  • Available in Cincinnati

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.

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River City Mortgage
  • Tailored experience for clients
  • 14 years of experience in Tristate area
  • A+ rating with the Better Business Bureau
  • Work with wholesale lenders
4318 Montgomery Rd.
Cincinnati, OH 45212
(513) 343-7315
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American Mortgage Service Co.
  • Nearly $1 billion in annual lending
  • Licensed at state and national level
  • In business for over 40 years
  • Loans available to suit any need
1095 Nimitzview Dr., Ste. 203
Cincinnati, OH 45230
(513) 766-9123
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NRL Mortgage
  • M-F: 8am - 6pm
  • Closed Sat and Sun
  • nrlmortgage.com
1111 S. Gregory St.
Cincinnati, OH 45202
(513) 592-3838
Guaranteed Rate of Cincinnati
  • M-F: 8:30am - 5:30pm
  • Closed Sat and Sun
  • guaranteedrate.com/offices/CincinnatiOH
2101 Grandin Rd., Ste. B
Cincinnati, OH 45208
(513) 609-4477
AmeriFirst Home Mortgage
  • M-F: 8am - 5pm
  • Closed Sat and Sun
  • amerifirst.com/cincinnati
7631 Cheviot Rd., Ste. 2A
Cincinnati, OH 45247
(513) 985-3000
McKinley Mortgage
  • M-F: 9am - 5pm
  • Closed Sat and Sun
  • bestlowrates.com
4520 Cooper Rd., Ste. 301
Cincinnati, OH 45242
(513) 791-2700
Superior Mortgage Services, Inc.
  • M-F: 8am - 8pm
  • Closed Sat and Sun
  • alwayslowrates.us
2126 Evanor Ln.
Cincinnati, OH 45244
(513) 474-0899
Humbert Mortgage, Inc.
  • M-F: 8:30am - 5pm
  • Closed Sat and Sun
  • humbertmortgage.com
1250 Springfield Pike
Cincinnati, OH 45215
(513) 761-2251

How to choose a mortgage lender in Cincinnati

Cincinnati skyline

Cincinnati’s population is on the rise. With an expected population growth of 11 percent expected by 2030, there will be an increased demand for housing in the city. Communities such as Amberley, Mariemont and Evendale are currently popular among homebuyers, and many other areas of Cincinnati are experiencing growth as well.

The median home price in Cincinnati is $131,369, and homes are only rising in value. In fact, Cincinnati home values have increased more than 28 percent since 2000. Popular areas like Hyde Park and Pleasant Ridge are already experiencing the benefits of rising home equity.

Whether you’re just beginning your home search or already viewing homes with a realtor, you should start vetting potential mortgage lenders. This will help determine your price range.

Your loan needs will affect your decision in a mortgage lender. The different types of loans include, but are not limited to:

Type of Loan Description Best for
Conventional This is the most common type of loan. It costs less than a FHA loan but may be more difficult to get. Those with higher credit scores and larger down payments
FHA Backed by the Federal Housing Association, these loans are easier to get but require mortgage insurance. Those with low income, lower credit scores and smaller down payments
HUD The U.S. Department of Housing and Urban Development insures loans to provide homeownership access to those of all incomes. Those with low income, lower credit scores and a high risk of default
VA This mortgage type is insured by the Department of Veterans Affairs. They’re low-cost, low down payment and do not require mortgage insurance. Active members of the armed forces, veterans, surviving spouse of a member of the armed forces
USDA Offered by the U.S. Department of Agriculture, these loans are for homes in rural areas. They have no down payments and are more affordable than other loans. Those in rural areas with low to mid-level income

You can also look into special programs for first-time home buyers, seniors, first responders, new college grads and others. These loans and grants can save you money long-term and make home ownership more affordable.

The government provides free resources for those interested in homeownership, and your chosen mortgage lender will provide additional resources to keep you informed. To choose a mortgage lender, look for highly rated customer service, low interest rates and a solid reputation among consumers.

Mortgage Companies Reviews

Quicken Loans

Mortgage options from Quicken Loans include FHA, VA, jumbo, adjustable, and 15- and 30-year fixed loans. You can also refinance your home or investment property. Consider taking advantage of a cash-out refinance if you already have equity in your property. You have the option to access a free learning center, and, at the time of publishing, you can expect mortgage rates between 2.75% and 3.178% APR on a 15-year fixed loan and between 3.375% and 3.638% APR on a 30-year fixed mortgage.

Quicken Loans Learn More (800) 940-2133

Rocket Mortgage

Besides offering conventional, FHA, VA and jumbo mortgages, Rocket Mortgage also helps clients to refinance and obtain approval letters. You can also use the Mint app to apply and access educational articles. At the time of publishing, Rocket Mortgage provides 30-year fixed mortgages starting at 2.8% APR and 15-year fixed mortgages starting at 2.6% APR.

Rocket Mortgage Learn More (800) 762-5471


AmeriSave has loan options to suit many needs. Cincinnati homebuyers recommend them for their interest rates, responsiveness and smooth closing process. At a minimum, your credit score must be 600 to qualify for a loan through AmeriSave.

AmeriSave Learn More (866) 815-0655


HomeDirect is an online-exclusive mortgage lender, which allows them to prioritize low rates instead of overhead costs. Buyers in Cincinnati are thrilled about competitive interest rates, fast closing and excellent customer service. HomeDirect requires a minimum 620 credit score and at least five percent down.


River City Mortgage

River City Mortgage is a Cincinnati-based mortgage lender that has built a reputation of quality and trustworthiness among home buyers across the country. They offer a quick application process and a variety of loan types to meet your needs. River City Mortgage agents can work with home buyers with credit scores as low as 500.

River City Mortgage

American Mortgage Service Co.

American Mortgage Service Co. offers four types of loans and convenient refinancing options. Consumers in Cincinnati speak highly of their customer service, knowledgeable agents and experience with first-time home buyers. They also work with residents with low credit scores to find options that work for them.

American Mortgage Service Co.