Best mortgage lenders in Ohio
No lender is best for everyone, so this page ranks Ohio lenders on what federal records can measure: who makes the most loans here, who leads for FHA and VA, and what their Ohio borrowers paid. All figures are 2025 HMDA data; no lender pays to be listed.
Who leads for what in Ohio
"Most loans" and "Largest average loan" are among the 15 lenders with the most Ohio originations in 2025 (the latter counts lenders with at least 300 loans in the state); FHA and VA leaders count every lender's home-purchase loans.
The 15 lenders that made the most home loans in Ohio
| # | Lender | Type | Loans | FHA | VA | Avg loan | Approval* |
|---|---|---|---|---|---|---|---|
| 1 | Huntington Bank | Bank | 24,819 | 4.2% | 1.1% | $177,789 | 69.3% |
| 2 | Rocket Mortgage | Nonbank lender | 16,656 | 21.5% | 7.5% | $191,084 | 79.5% |
| 3 | Fifth Third Bank | Bank | 12,389 | 2.7% | 0.8% | $162,910 | 68.8% |
| 4 | CrossCountry Mortgage | Nonbank lender | 11,011 | 29.2% | 6.5% | $234,787 | 95.7% |
| 5 | United Wholesale Mortgage | Nonbank lender | 10,425 | 21.7% | 18.2% | $262,275 | 84.5% |
| 6 | Third Federal Savings | Bank | 7,970 | 0.0% | 0.0% | $153,936 | 73.3% |
| 7 | PNC Bank | Bank | 6,725 | 1.4% | 0.5% | $172,354 | 70.2% |
| 8 | Union Savings Bank | — | 5,594 | 4.6% | 2.0% | $279,823 | 94.0% |
| 9 | Union Home Mortgage | Nonbank lender | 5,380 | 20.8% | 6.3% | $235,143 | 94.3% |
| 10 | Wright-Patt Credit Union, Inc. | — | 5,207 | 1.5% | 1.2% | $159,250 | 67.8% |
| 11 | Citizens | Bank | 4,732 | 2.2% | 0.2% | $144,309 | 71.5% |
| 12 | Chase | Bank | 4,171 | 4.2% | 2.0% | $304,693 | 85.8% |
| 13 | U.S. Bank | Bank | 3,965 | 3.9% | 1.2% | $189,030 | 54.8% |
| 14 | loanDepot | Nonbank lender | 3,505 | 30.8% | 7.8% | $163,602 | 74.8% |
| 15 | NFM, Inc. | — | 3,308 | 19.8% | 5.4% | $279,755 | 98.5% |
Source: 2025 HMDA originations, FFIEC/CFPB. FHA/VA = share of each lender's Ohio loans. *Approval = originated ÷ (originated + denied); it mirrors a lender's channel and borrower mix, not how hard it is to qualify.
Also among the 25 lenders with the most HMDA filings here: PennyMac, Newrez, Veterans United, Freedom Mortgage, AmeriHome Mortgage Company, LLC, Guaranteed Rate (Rate), Mr. Cooper, Figure Lending LLC, Coastal Community Bank, The Park National Bank.
FHA lenders in Ohio
21,389 FHA home-purchase loans were made in Ohio in 2025 by 303 lenders. The typical FHA buyer here paid $9,190 in loan costs, including the 1.75% upfront mortgage insurance premium, at a median rate of 6.50%. The ten lenders that made the most:
| # | Lender | FHA purchases | Share | Loan costs | APR vs benchmark |
|---|---|---|---|---|---|
| 1 | CrossCountry Mortgage | 2,369 | 11.1% | $10,081 | +0.97 |
| 2 | Rocket Mortgage | 1,123 | 5.3% | $8,644 | +0.61 |
| 3 | United Wholesale Mortgage | 1,068 | 5.0% | $9,309 | +0.55 |
| 4 | Union Home Mortgage | 941 | 4.4% | $9,567 | +0.81 |
| 5 | Huntington Bank | 767 | 3.6% | $7,959 | +0.60 |
| 6 | NFM, Inc. | 598 | 2.8% | $11,495 | +1.05 |
| 7 | loanDepot | 567 | 2.7% | $7,767 | +0.77 |
| 8 | Fairway Independent Mortgage | 526 | 2.5% | $8,644 | +1.01 |
| 9 | DHI Mortgage | 516 | 2.4% | $10,137 | −1.47 |
| 10 | NVR Mortgage | 509 | 2.4% | $10,039 | +0.24 |
| All Ohio FHA buyers | 21,389 | 100% | $9,190 | +0.72 |
Among them, loanDepot had the lowest median loan costs ($7,767) and NFM, Inc. the highest ($11,495) — $3,728 apart on similar loans, which is why a second Loan Estimate is worth getting. Homebuilder-owned lenders can show far-below-market APRs because builders pay to buy down the rate on their own new homes.
Source: 2025 HMDA loan-level records (FFIEC/CFPB), first-lien FHA home purchases in Ohio. Costs and APR vs benchmark are medians of each lender's 30-year fixed loans here; "—" = fewer than 30. How we compare lenders.
VA lenders in Ohio
9,161 VA home-purchase loans were made in Ohio in 2025 by 253 lenders. The typical VA buyer here paid $5,608 in loan costs (including the VA funding fee for borrowers who owe it) at a median rate of 6.25%. The ten lenders that made the most:
| # | Lender | VA purchases | Share | Loan costs | APR vs benchmark |
|---|---|---|---|---|---|
| 1 | Veterans United | 2,360 | 25.8% | $4,669 | −0.13 |
| 2 | CrossCountry Mortgage | 498 | 5.4% | $6,506 | +0.01 |
| 3 | Navy Federal Credit Union | 442 | 4.8% | $3,829 | −0.61 |
| 4 | United Wholesale Mortgage | 318 | 3.5% | $5,124 | −0.26 |
| 5 | Rocket Mortgage | 276 | 3.0% | $8,160 | −0.26 |
| 6 | Union Home Mortgage | 233 | 2.5% | $8,012 | −0.08 |
| 7 | NVR Mortgage | 223 | 2.4% | $5,113 | −0.62 |
| 8 | USAA | 219 | 2.4% | $6,817 | −0.28 |
| 9 | Huntington Bank | 206 | 2.2% | $3,519 | −0.24 |
| 10 | Guaranteed Rate (Rate) | 179 | 2.0% | $3,825 | −0.34 |
| All Ohio VA buyers | 9,161 | 100% | $5,608 | −0.21 |
Among them, Huntington Bank had the lowest median loan costs ($3,519) and Rocket Mortgage the highest ($8,160) — $4,641 apart, though VA costs also depend on how many of a lender's borrowers are exempt from the funding fee.
Source: 2025 HMDA loan-level records (FFIEC/CFPB), first-lien VA home purchases in Ohio. Costs and APR vs benchmark are medians of each lender's 30-year fixed loans here; "—" = fewer than 30. Data notes and limits.
How concentrated is the Ohio market?
1,080 institutions reported Ohio home-loan records for 2025 — the 11th-most of any state. The single most active lender accounts for 8.4% of all records and the top five for 23.7%, the 17th-most concentrated market of 51. With volume spread across many lenders, there is plenty of room to shop beyond the biggest names.
How to choose a lender in Ohio
Ohio borrowers took FHA loans 12.4% of the time and VA loans 6.2% (U.S. 13.2% and 8.2%). Every Ohio county uses the $832,750 conforming limit, so loans above it are jumbo and priced separately.
Get Loan Estimates from three or more lenders in the same two-week window (one credit inquiry) and compare APRs. For down-payment help, ask whether they are approved for OHFA's Your Choice! Down Payment Assistance or Grants for Grads — only participating lenders can offer them (terms and sources).
Checking an Ohio lender’s license
Ohio’s Division of Financial Institutions lists its licensees and registrants in two public databases, NMLS Consumer Access and the state’s eLicense Center. Mortgage loan originators appear only in NMLS, and the division notes the two can briefly disagree while new licenses, renewals and cancellations are processed.
Ohio-based lenders lead the Ohio market
Seven of the 15 most active lenders in Ohio are based in the state: Huntington (Columbus), Fifth Third (Cincinnati), CrossCountry Mortgage (Cleveland), Third Federal (Cleveland), Wright-Patt Credit Union (Beavercreek), Union Home Mortgage (Strongsville) and Union Savings Bank (Cincinnati). Huntington originated 24,819 Ohio home loans in 2025, more than any other lender, and CrossCountry Mortgage made the most FHA purchase loans (2,369, 11.1% of the state’s FHA purchases). Wright-Patt Credit Union is the only credit union in the top 15.
| Lender | Based in | Type | Rank | 2025 records | FHA purchase rank |
|---|---|---|---|---|---|
| Huntington Bank | Columbus, OH | Bank | 1 | 43,371 | 5 |
| Fifth Third Bank | Cincinnati, OH | Bank | 3 | 22,547 | — |
| CrossCountry Mortgage | Cleveland, OH | Nonbank lender | 4 | 16,147 | 1 |
| Third Federal Savings | Cleveland, OH | Bank | 9 | 13,197 | — |
| Wright-Patt Credit Union | Beavercreek, OH | Credit union | 12 | 8,791 | — |
| Union Home Mortgage | Strongsville, OH | Nonbank lender | 14 | 7,133 | 4 |
| Union Savings Bank | Cincinnati, OH | Bank | 15 | 7,059 | — |
| Park National Bank | Newark, OH | Bank | 24 | 4,602 | — |
Rank = position among the 25 lenders with the most Ohio HMDA records in 2025; FHA purchase rank = position among the ten biggest Ohio FHA home-purchase lenders in 2025; "—" = outside those lists. Headquarters from our lender profiles or the lender's GLEIF legal-entity record (linked).
Facts in the Ohio sections above were checked October 18, 2026 against these sources: Ohio Division of Financial Institutions — licensee lookup; NMLS Consumer Access. Agency lender lists, program terms and rules change often — confirm with the agency or lender before you rely on them.
Ohio lender FAQ
Who is the biggest mortgage lender in Ohio?
By 2025 federal HMDA data, Huntington Bank originated the most home loans in Ohio — about 24,819, or 8.9% of the state's originations.
Which lender makes the most FHA loans in Ohio?
CrossCountry Mortgage made the most FHA home-purchase loans in Ohio in 2025 — 2,369, or 11.1% of the 21,389 FHA purchases made by 303 lenders. Rocket Mortgage (1,123) was second.
Which lender makes the most VA loans in Ohio?
Veterans United made the most VA home-purchase loans in Ohio in 2025 (2,360, 25.8% of the state's VA purchases). VA loans were 6.2% of Ohio originations, the 17th-lowest VA share among the states.
How much are closing costs on an FHA loan in Ohio?
The typical Ohio FHA buyer in 2025 paid $9,190 in total loan costs on a median $225,000 loan — lender fees, required third-party services and the 1.75% upfront mortgage insurance premium, per the Closing Disclosure.
That figure excludes recording taxes, prepaid interest and insurance, escrow deposits and the down payment.
Which banks in Ohio make the most mortgages?
Among banks, Huntington of Columbus originated the most Ohio home loans in 2025 (24,819), followed by Fifth Third of Cincinnati (12,389) and Third Federal of Cleveland (7,970).
PNC Bank, Union Savings Bank of Cincinnati, Citizens, Chase and U.S. Bank are the other banks among the 15 most active lenders. For FHA loans, the leader is a non-bank: Cleveland-based CrossCountry Mortgage.
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.
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