Top mortgage lenders in Ohio
These are the most active mortgage lenders in Ohio by 2025 federal HMDA volume — the banks, credit unions and nonbank lenders that wrote the most home loans in the state. Volume isn't the same as the best deal for you, so use it as a shortlist, then compare quotes.
| # | Lender | Type | 2025 loans |
|---|---|---|---|
| 1 | Huntington Bank | Bank | 43,371 |
| 2 | Rocket Mortgage | Nonbank lender | 25,761 |
| 3 | Fifth Third Bank | Bank | 22,547 |
| 4 | CrossCountry Mortgage | Nonbank lender | 16,147 |
| 5 | U.S. Bank | Bank | 15,107 |
| 6 | United Wholesale Mortgage | Nonbank lender | 14,673 |
| 7 | PennyMac | Nonbank lender | 14,270 |
| 8 | Chase | Bank | 13,360 |
| 9 | Third Federal Savings | Bank | 13,197 |
| 10 | PNC Bank | Bank | 12,972 |
| 11 | Newrez | Nonbank lender | 9,016 |
| 12 | Wright-Patt Credit Union, Inc. | — | 8,791 |
| 13 | Citizens | Bank | 8,644 |
| 14 | Union Home Mortgage | Nonbank lender | 7,133 |
| 15 | Union Savings Bank | — | 7,059 |
| 16 | Veterans United | Nonbank lender | 6,947 |
| 17 | Freedom Mortgage | Nonbank lender | 6,612 |
| 18 | Amerihome Mortgage Company, LLC | — | 5,933 |
| 19 | loanDepot | Nonbank lender | 5,706 |
| 20 | Guaranteed Rate (Rate) | Nonbank lender | 5,388 |
| 21 | Mr. Cooper | Nonbank lender | 5,237 |
| 22 | Figure Lending LLC | — | 4,994 |
| 23 | Coastal Community Bank | — | 4,733 |
| 24 | The Park National Bank | — | 4,602 |
| 25 | New American Funding | Nonbank lender | 4,499 |
Ranked by Ohio home-loan applications reported in 2025 under the federal Home Mortgage Disclosure Act (HMDA), FFIEC/CFPB. A neutral measure of lending activity — not a quality score. Names we review link to a full lender review.
How to choose a lender in Ohio
The lender that writes the most loans isn't automatically the one that will quote you the lowest rate. Your rate depends on your credit, down payment and loan type — not a lender's market share. The reliable way to find the best deal is to get a Loan Estimate from three or more of these lenders in the same two-week window (it counts as a single credit inquiry) and compare the APRs.
Weigh national lenders and online brokers, which often lead on price, against Ohio banks and credit unions, which may offer relationship pricing and access to OHFA programs. Start with the local benchmark and assistance below.
Ohio lender FAQ
Who is the biggest mortgage lender in Ohio?
By 2025 federal HMDA activity, Huntington Bank handled the most home loans in Ohio (about 43,371 applications reported). The biggest lender isn't automatically the cheapest for you, though — rankings reflect volume, not the rate you'd be quoted.
How many mortgage lenders operate in Ohio?
Hundreds of banks, credit unions and nonbank lenders report Ohio home loans each year under HMDA. The table above shows the most active by volume; you can also shop national lenders and local credit unions not listed here.
How were these Ohio lender rankings determined?
We ranked lenders by the number of Ohio home-loan applications each reported in 2025 under the federal Home Mortgage Disclosure Act (HMDA) — a neutral public measure of lending activity in the state. It is not a quality score or an endorsement.
Should I use a local or national lender in Ohio?
Both can be competitive. National lenders and online brokers often lead on price and speed; local banks and credit unions may offer relationship pricing, OHFA down-payment programs and in-person service.
Get a Loan Estimate from at least one of each and compare the APR.
Rankings are editorial and independent, built from public federal data — no lender pays to be listed. This is general information, not a recommendation or personalized advice. Confirm all terms directly with the lender.
All lenders