CINCINNATI Mortgage Rates & Closing Costs

30yr Fixed Rate 15yr Fixed Rate FHA USDA VA 5/1 ARM

30 Year Fixed Rate mortgages in Cincinnati averaged 6.64% for the week of 2025-04-03, compared to the national average of 6.64% for the same period.

The average rate for the prior week (2025-03-27) was 6.95% and one month ago for the week of 2025-02-27, the average rate was 6.96%.

Cincinnati's average rate one year ago was 6.99%.

For refis of the same type during the week of 2025-04-03, the average rate was 7.37%.

Loan Type Date Rate
US 30 Year Fixed Rate 2025-04-03 6.64%
Cincinnati 30 Year Fixed Rate 2025-04-03 6.64%
Cincinnati 30 Year Fixed Rate Refi 2025-04-03 7.37%
Cincinnati 15 Year Fixed Rate 2025-04-03 6.6%
Cincinnati 15 Year Fixed Rate Refi 2025-04-03 5.7%
Cincinnati 30 Year FHA 2025-04-03 6.53%
Cincinnati 30 Year FHA Refi 2025-04-03 6.14%
Cincinnati 30 Year USDA 2025-04-03 6.61%
Cincinnati 30 Year USDA Refi 2025-04-03 6.52%
Cincinnati 30 Year VA 2025-04-03 6.38%
Cincinnati 30 Year VA Refi 2025-04-03 5.67%
Click on whitespace and scroll within the chart to zoom in/out. Larger bubbles equate with more originations within CINCINNATI, OH-KY-IN.

CINCINNATI Top Lenders by Rates & Fees

The below table looks at the consensus average rates and fees provided by each lender, for only loans originated in the CINCINNATI, OH-KY-IN market. This includes FHA, Conventional, USDA and VA loans, as well as refis. All terms in the below chart are 30 year fixed rate. Unless noted otherwise, other data is all inclusive (FHA, ARM, 15-yr, etc.).

Name # of Loans 2024 Avg. 30yFix Rate 2024 Avg. Closing Costs
UNITED WHOLESALE MORTGAGE, LLC 1,215 6.80% $7,301
QUICKEN LOANS, LLC 1,121 6.71% $6,344
The Huntington National Bank 999 6.77% $4,340
Union Savings Bank 956 6.88% $2,329
Fifth Third Bank 761 6.72% $3,574
GUARANTEED RATE, INC. 726 6.70% $5,067
VICTORY MORTGAGE, L.L.C. 710 6.21% $2,979
Guardian Savings Bank, A Federal Savings Bank 615 6.84% $2,409
U.S. Bank 535 6.75% $3,866
LCNB National Bank 500 6.64% $3,255
FIRST COMMUNITY MORTGAGE, INC. 482 6.89% $5,789
CROSSCOUNTRY MORTGAGE, LLC 440 6.89% $7,160
UNION HOME MORTGAGE CORP. 433 6.97% $5,341
JPMorgan Chase Bank 403 6.68% $3,331
STOCKTON MORTGAGE CORPORATION 398 6.77% $5,325
FIRST EQUITY MORTGAGE INCORPORATED 356 6.52% $5,822
FAIRWAY INDEPENDENT MORTGAGE CORPORATION 347 7.01% $5,793
RUOFF MORTGAGE COMPANY, INC. 312 6.80% $3,751
GUARANTEED RATE AFFINITY, LLC 305 6.84% $4,891
First Financial Bank 258 6.88% $4,032
GENERAL ELECTRIC CREDIT UNION 251 6.44% $2,970
WRIGHT-PATT CREDIT UNION, INC. 237 6.05% $4,058
NEWREZ LLC 223 6.82% $6,103
Third Federal Savings and Loan Association of Cleveland 221 6.67% $2,366
AMERICAN NEIGHBORHOOD MORTGAGE ACCEPTANCE COMPANY LLC 220 6.99% $5,981
RiverHills Bank 201 6.75% $3,644
BAYSHORE MORTGAGE FUNDING, LLC 192 6.83% $5,371
PNC Bank 187 6.68% $4,236
AMERICAN PACIFIC MORTGAGE CORPORATION 187 7.03% $5,702
HOMESIDE FINANCIAL, LLC 178 6.88% $6,749
NVR Mortgage Finance, Inc. 174 6.51% $4,821
DAS Acquisition Company, LLC 171 7.00% $6,639
Warsaw Federal Savings and Loan Association 171 6.77% $3,990
RAPID MORTGAGE COMPANY 170 6.92% $6,897
M/I FINANCIAL, LLC 163 6.54% $8,129
NATIONS RELIABLE LENDING, LLC 156 6.71% $5,976
PRIMELENDING, A PLAINSCAPITAL COMPANY 152 6.96% $6,025
1st National Bank 143 6.95% $4,363
Civista Bank 138 6.69% $3,688
SIBCY CLINE MORTGAGE SERVICES, INC. 131 6.79% $3,804
The Loan Store, Inc. 127 6.84% $5,182
Plains Commerce Bank 121 6.85% $6,261
Prosperity Home Mortgage, LLC 118 6.90% $5,206
The Park National Bank 112 7.00% $5,064
Mr. Cooper ( Nationstar Mortgage ) 106 6.78% $7,629
Paramount Residential Mortgage Group, Inc. 106 7.00% $7,390
T2 FINANCIAL LLC 88 7.14% $7,433
WesBanco 87 6.74% $4,746
CINFED Federal Credit Union 86 6.98% $4,173
Heartland Bank 85 6.84% $3,698
CHURCHILL MORTGAGE CORPORATION 82 7.07% $5,801
LOANDEPOT.COM, LLC 80 6.62% $6,744
KEMBA CREDIT UNION, INC. 80 6.70% $3,526
Republic Bank & Trust Company 76 6.85% $3,962
Superior Credit Union, Inc. 74 6.77% $4,045
AMERICAN FINANCIAL RESOURCES, INC. 72 6.80% $4,771
Truist 70 6.78% $4,952
Bank of America 68 6.26% $3,871
S1L, Inc. 66 6.76% $6,243
Farm Credit Mid-America, ACA 63 7.07% $7,844
DHI MORTGAGE COMPANY, LTD. 62 5.70% $3,686
BROKER SOLUTIONS, INC. 61 7.05% $7,057
VAN DYK MORTGAGE CORPORATION 60 6.76% $5,110
Wells Fargo Bank 59 6.61% $5,368
NAVY FEDERAL CREDIT UNION 58 6.74% $4,480
Bank of England 52 7.12% $6,718
CMG MORTGAGE, INC. 49 7.15% $5,044
NATIONS DIRECT MORTGAGE, LLC 49 6.61% $6,297
PENNYMAC LOAN SERVICES, LLC 48 6.70% $7,334
Peoples Bank 48 6.73% $3,792
KeyBank 46 6.67% $4,649
TELHIO 45 6.43% $39,330
SUCCESS MORTGAGE PARTNERS, INC. 41 6.87% $6,481
The Friendship State Bank 39 6.78% $2,046
MUTUAL OF OMAHA MORTGAGE, INC. 38 6.66% $5,936
Somerville Bank 37 6.78% $3,118
L & N Federal Credit Union 37 7.21% $2,346
Morgan Stanley Private Bank 36 6.28% $3,914
NFM, INC. 36 6.86% $7,391
First State Bank 35 7.21% $2,478
Flagstar Bank, FSB 34 7.13% $5,299
First National Bank of America 33 9.78% $9,525
Stock Yards Bank & Trust Company 33 6.66% $3,449
EQUITY RESOURCES, INC. 33 6.85% $4,041
ZILLOW HOME LOANS, LLC 32 6.72% $5,088
BETTER MORTGAGE CORPORATION 31 6.45% $4,862
Forcht Bank 30 6.69% $3,478
American Mortgage & Equity Consultants, Inc. 30 6.78% $6,669
NBKC BANK 29 6.37% $3,656
USAA Federal Savings Bank 29 6.65% $4,922
ARK-LA-TEX FINANCIAL SERVICES, LLC. 28 6.81% $4,750
PROVIDENT FUNDING ASSOCIATES, L.P. 27 6.55% $4,673
Citizens Bank 27 6.76% $6,313
Merchants Bank of Indiana 26 6.72% $3,485
Gateway First Bank 25 6.88% $5,992
ROYAL UNITED MORTGAGE LLC 25 6.78% $6,219
FREEDOM MORTGAGE CORPORATION 24 7.06% $6,957
The North Side Bank & Trust Company 22 6.64% $1,568
VANDERBILT MORTGAGE AND FINANCE, INC. 22 7.47% $8,390
POLARIS HOME FUNDING CORP. 22 7.36% $8,170
UBS Bank USA 21 6.44% $5,691
Ally Bank 21 6.24% $7,654
Day Air Credit Union, Inc 19 6.16% $3,764
PLANET HOME LENDING, LLC 19 6.69% $5,990
Stifel Bank and Trust 18 6.33% $3,137
AMERISAVE MORTGAGE CORPORATION 18 7.01% $6,529
GENEVA FINANCIAL, LLC 18 7.35% $6,107
HOWARD HANNA FINANCIAL SERVICES, INC. 17 7.00% $5,116
NexBank 17 7.10% $6,002
MICHIGAN MUTUAL, INC. 17 7.17% $6,775
MOVEMENT MORTGAGE, LLC 17 7.03% $7,676
Central Bank 17 6.53% $3,262
First National Bank of Pennsylvania 17 6.48% $5,213
The Merchants National Bank 17 7.54% $2,860
EMM LOANS LLC 17 6.89% $7,503
Discover Bank 16 7.06% $0
First Federal Bank 16 6.34% $4,159
PHH Mortgage Corporation 15 6.49% $7,778
LENDSURE MORTGAGE CORP. 15 8.17% $12,068
RELIANCE FIRST CAPITAL, LLC 15 6.76% $7,444
DIRECT MORTGAGE LOANS, LLC 14 6.65% $6,825
EVANSVILLE TEACHERS 14 6.96% $4,173
DELTA COMMUNITY CREDIT UNION 14 5.88% $5,176
GOLD STAR MORTGAGE FINANCIAL GROUP, CORPORATION 14 7.03% $4,195
UIF CORPORATION 14 6.93% $4,671
BAY EQUITY LLC 14 6.46% $4,706
Mortgage Research Center, LLC 14 6.86% $4,352
THE EQUITABLE MORTGAGE CORPORATION 13 6.50% $4,249
UNITED MORTGAGE CORP 13 6.94% $7,347
GUIDANCE RESIDENTIAL, LLC 13 7.22% $4,969
GUILD MORTGAGE COMPANY 13 6.84% $7,231
General Mortgage Capital Corporation 13 6.82% $4,703
ARC HOME LLC 12 7.00% $6,937
Peoples Exchange Bank 12 6.51% $2,702
Northpointe Bank 11 6.57% $5,887
DIAMOND RESIDENTIAL MORTGAGE CORPORATION 11 6.91% $4,618
The State Bank and Trust Company 11 6.49% $4,265
MYCUMORTGAGE, LLC 11 6.55% $4,362
ENDEAVOR CAPITAL, LLC. 11 6.55% $6,456
Charles Schwab Bank, SSB 10 5.98% $3,249
Ixonia Bank 10 7.00% $10,420
AMERICAN FINANCING CORPORATION 10 6.51% $5,997
LOANPAL, LLC 9 6.26% $5,767
Barrington Bank & Trust Company, N.A. 8 6.60% $4,793
SIRVA MORTGAGE, INC. 8 6.59% $3,056
LIBERTY HOME MORTGAGE CORPORATION 8 7.14% $6,826
Century Mortgage Company DBA Century Lending Company 8 6.84% $7,306
CARDINAL FINANCIAL 8 6.55% $6,790
RIVER VALLEY CREDIT UNION, INC. 7 6.71% $2,855
LEADERONE FINANCIAL CORPORATION 7 6.94% $7,764
Carrington Mortgage Services, LLC 7 7.02% $8,233
RESIDENTIAL WHOLESALE MORTGAGE, INC. 7 6.51% $6,452
PREMIA MORTGAGE, LLC 7 6.64% $1,788
BMO Harris Bank 7 6.89% $6,139
Cf Bank 7 7.55% $5,686
Dollar Bank, Federal Savings Bank 7 6.61% $7,796
FIRST COLONY MORTGAGE CORPORATION 7 6.66% $4,869
LAKEVIEW LOAN SERVICING, LLC 7 7.10% $6,751
V.I.P. MORTGAGE, INC. 7 6.57% $6,713
Citibank 6 6.67% $5,060
First Merchants Bank 6 6.94% $3,862
German American Bank 6 6.85% $4,073
DEVELOPER'S MORTGAGE COMPANY 6 7.10% $7,633
TJC Mortgage, Inc. 6 6.85% $9,235
PENTAGON FEDERAL CREDIT UNION 6 6.85% $6,020
Sharefax Credit Union 6 6.10% $1,804
NATIONWIDE MORTGAGE BANKERS, INC. 6 6.79% $10,002
AMERICAN FINANCIAL NETWORK, INC. 6 7.33% $7,771
GVC MORTGAGE, INC. 5 6.85% $4,773
PRIMARY RESIDENTIAL MORTGAGE, INC. 5 6.85% $11,820
NEXERA HOLDING LLC 5 7.83% $14,190
ALLIANT CREDIT UNION 5 6.85% $4,179
The Federal Savings Bank 5 6.83% $6,780
Citadel Servicing Corporation 5 9.45% $9,515
Waterstone Mortgage Corporation 5 6.77% $6,142
RBC Bank, (Georgia) 5 5.78% $3,228
CREDIT UNION MORTGAGE ASSOCIATION, INC. 5 6.08% $3,909
KEMBA FINANCIAL 5 5.90% $5,376
Magnolia Bank 5 6.70% $6,332
A&D Mortgage LLC 5 7.67% $13,485
ALLIED MORTGAGE GROUP, INC. 5 6.72% $2,930
Toyota Financial Savings Bank 5 6.26% $3,245
First Federal Savings and Loan Association of Lakewood 4 7.08% $4,331
Minster Bank 4 6.84% $3,300
Cornerstone First Mortgage, Inc 4 7.00% $5,334
MID AMERICA MORTGAGE, INC. 4 7.13% $6,064
First Horizon Bank 4 7.06% $6,364
DIGNIFIED HOME LOANS, LLC 4 7.00% $9,738
Grand Bank for Savings, FSB 4 9.22% $4,730
Farmers Bank & Trust 4 6.65% $4,973
OCMBC, INC. 4 8.37% $11,157
DEEPHAVEN MORTGAGE LLC 4 8.28% $4,825
Centra Credit Union 4 6.75% $2,909
Nations Lending Corporation 4 7.44% $8,344
Hometown Equity Mortgage, LLC 4 8.28% $15,490
ANGEL OAK MORTGAGE SOLUTIONS LLC 4 7.87% $7,568
HALLMARK HOME MORTGAGE, LLC 4 7.06% $5,543
Regions Bank 4 6.66% $5,089
Three Rivers Federal Credit Union 4 6.97% $3,665
AmRes Corporation 4 7.47% $7,135
Quontic Bank 3 8.71% $7,901
AmeriHome Mortgage Company, LLC 3 6.54% $4,447
Baxter Credit Union 3 6.42% $8,057
CANOPY MORTGAGE, LLC 3 7.04% $9,123
Commerce Home Mortgage, Inc. 3 8.17% $9,063
COMPASS MORTGAGE, INC. 3 6.87% $6,581
DIGITAL Federal Credit Union 3 6.50% $3,996
Directions Credit Union, Inc. 3 6.38% $2,564
ENVOY MORTGAGE, LTD 3 6.63% $6,746
EVERETT FINANCIAL, INC. 3 7.08% $10,475
FirstBank 3 8.34% $5,302
First Commonwealth Bank 3 7.08% $4,831
GREENSTATE CREDIT UNION 3 6.54% $3,817
LAKE MICHIGAN CREDIT UNION 3 6.50% $5,209
Leader Bank 3 6.67% $4,098
LENOX FINANCIAL MORTGAGE CORPORATION 3 6.29% $6,042
MEMBER FIRST MORTGAGE, LLC 3 7.08% $4,150
NATIONAL COOPERATIVE BANK, N.A. 3 6.71% $2,888
NORTHERN MORTGAGE SERVICES, LLC 3 6.08% $2,632
PLAZA HOME MORTGAGE, INC. 3 6.66% $7,626
SeaTrust Mortgage Company 3 7.17% $4,846
The Farmers & Merchants State Bank 3 7.13% $3,168
The Ohio Valley Bank Company 3 6.38% $5,468
TOP FLITE FINANCIAL, INC. 3 7.04% $6,638
Whitaker Bank 3 6.79% $2,295
M&T Bank 2 6.94% $4,146
INTERLINC MORTGAGE SERVICES, LLC 2 6.25% $12,197
HSBC BANK USA, NATIONAL ASSOCIATION 2 7.31% $4,499
HOMESTEAD FUNDING CORP. 2 6.31% $3,429
NORWICH COMMERCIAL GROUP, INC. 2 7.38% $8,134
Old National Bank 2 6.13% $4,006
HOMEBRIDGE FINANCIAL SERVICES, INC. 2 7.31% $5,523
Pathways Financial Credit Union, Inc. 2 6.56% $3,784
Goldman Sachs Bank USA 2 6.05% $10,091
GERSHMAN INVESTMENT CORP. 2 7.19% $3,641
Pinnacle Bank 2 6.25% $5,342
ABSOLUTE HOME MORTGAGE CORPORATION 2 7.06% $15,967
PREMIER MORTGAGE RESOURCES, L.L.C. 2 7.06% $4,193
Raymond James Bank 2 5.88% $3,753
First-Citizens Bank & Trust Company 2 5.94% $7,004
RESIDENTIAL BANCORP 2 6.81% $5,888
FEDEX EMPLOYEES CREDIT ASSOCIATION 2 6.75% $4,905
SCHLUMBERGER EMPLOYEES CREDIT UNION 2 6.38% $1,528
EMBRACE HOME LOANS, INC. 2 6.69% $3,317
EASTMAN 2 5.88% $5,026
SOUTH CENTRAL BANK, INC. 2 6.56% $3,348
S&T Bank 2 6.56% $4,504
DESCO 2 5.81% $4,312
SUN WEST MORTGAGE COMPANY, INC. 2 6.74% $4,711
Deere Employees Credit Union 2 6.12% $4,755
Community Trust Bank, Inc. 2 6.13% $5,553
COMMUNITYAMERICA 2 6.38% $4,279
COMMONWEALTH 2 6.44% $2,732
21ST MORTGAGE CORPORATION 2 8.16% $7,095
CLEARPATH LENDING 2 6.19% $9,938
City National Bank of West Virginia 2 6.70% $2,649
CIBM Bank 2 7.31% $5,214
CALCON MUTUAL MORTGAGE LLC 2 7.75% $7,797
TOWNE MORTGAGE COMPANY 2 7.25% $6,241
BNY Mellon 2 6.19% $4,324
Blue Ridge Bank 2 6.75% $6,374
Bethpage Federal Credit Union 2 6.44% $7,537
UNIFY FINANCIAL Credit Union 2 6.55% $1,185
BAY-VALLEY MORTGAGE GROUP 2 6.43% $5,363
Bank of Hope 2 6.69% $4,720
UNITED 2 7.00% $3,713
UNIVERSAL 1 CREDIT UNION 2 6.63% $5,615
Arvest Bank 2 6.81% $4,938
Ameris Bank 2 6.38% $5,897
AMERICAN INTERNET MORTGAGE, INC. 2 6.63% $4,776
Alcova Mortgage LLC 2 6.38% $3,691
MORTGAGE ACCESS CORP. 2 7.56% $5,100
Mercantile Bank of Michigan 2 6.75% $4,283
LAND HOME FINANCIAL SERVICES, INC. 2 7.44% $5,029
First State Bank 1 7.25% $3,454
First Financial Bank 1 6.38% $3,617
First Federal Bank of the Midwest 1 5.75% $3,194
THE VINTON COUNTY NATIONAL BANK 1 6.50% $2,354
First Federal Bank, A FSB 1 6.88% $4,799
Axos Bank 1 7.38% $2,207
First Bank 1 6.13% $4,516
Firefighters & Company FCU 1 7.63% $3,310
Republic State Mortgage Co. 1 6.50% $5,757
MILEND, INC. 1 7.38% $9,360
FidelityLending Solutions Inc. dba Wholesale Mortgage Bankers 1 7.38% $10,974
FIDELITY DIRECT MORTGAGE, LLC 1 6.99% $6,604
FIDELITY BANK 1 6.88% $3,798
ROUNDPOINT MORTGAGE SERVICING CORPORATION 1 5.99% $2,391
ATLANTIC BAY MORTGAGE GROUP, L.L.C. 1 6.75% $4,646
FBC MORTGAGE, LLC 1 6.49% $2,491
FAIR WAY LENDING LLC 1 6.38% $4,066
YOUR HOME FINANCIAL LLC 1 7.38% $5,596
1ST SIGNATURE LENDING, LLC 1 7.38% $5,859
SECURITYNATIONAL MORTGAGE COMPANY 1 6.99% $5,578
SFMC, LP 1 7.13% $12,163
ASHLAND Credit Union 1 6.50% $3,414
Elements Financial Federal Credit Union 1 6.75% $2,268
US MORTGAGE CORPORATION 1 6.62% $4,397
East Coast Capital Corp. 1 6.63% $5,356
Traditional Bank, Inc. 1 7.00% $2,998
SOUTHWEST FUNDING, LP 1 7.25% $4,427
STAUNTON FINANCIAL, INC. 1 5.13% $16,539
Valley National Bank 1 6.75% $4,343
Devon Bank 1 6.50% $6,910
Stillman Bank 1 7.10% $3,026
Deseret First Credit Union 1 6.88% $7,000
Mid Penn Bank 1 6.38% $6,435
DELMAR FINANCIAL COMPANY 1 6.13% $9,006
Sunflower Bank 1 6.63% $3,782
BEACON CREDIT UNION 1 7.38% $2,102
ANDREWS FEDERAL CREDIT UNION 1 6.13% $3,952
CREDIT UNION OF OHIO 1 7.13% $3,719
CORNERSTONE HOME LENDING, INC. 1 5.75% $5,503
Texana Bank 1 5.63% $11,672
The Bank of Missouri 1 7.00% $4,107
The Central Trust Bank 1 6.49% $3,122
CONSUMERS COOPERATIVE CREDIT UNION 1 5.75% $2,509
WINGS FINANCIAL 1 5.75% $3,610
KH NETWORK CREDIT UNION 1 6.25% $7,381
Johnson Bank 1 5.65% $11,895
Advisors Mortgage Group, L.L.C. 1 7.25% $5,035
JLB CORPORATION 1 6.49% $5,498
Jackson County Bank 1 6.50% $3,286
INTERRA CREDIT UNION 1 6.75% $3,360
Connexus Credit Union 1 6.49% $2,469
Independent Bank 1 6.88% $4,429
NBH Bank 1 7.00% $1,545
Independence Bank of Kentucky 1 6.38% $4,230
INB 1 6.50% $3,621
MICHIGAN STATE UNIVERSITY FEDERAL CREDIT UNION 1 7.00% $4,143
HONDA Federal Credit Union 1 7.13% $2,380
HOMEXPRESS MORTGAGE CORP. 1 9.00% $6,833
Nicolet National Bank 1 7.50% $4,263
ADVANCIAL 1 8.50% $0
The Genoa Banking Company 1 7.00% $4,396
MASSMUTUAL 1 6.50% $3,029
Home Mortgage Alliance Corp 1 7.88% $9,863
OAKTREE FUNDING CORP. 1 8.38% $18,570
OceanFirst Bank 1 6.63% $4,258
Home Loan Investment Bank, F.S.B. 1 6.99% $5,685
MORTGAGE INVESTORS GROUP, INC. 1 6.63% $3,533
OPEN MORTGAGE, LLC 1 6.49% $14,448
Commercial Bank 1 6.50% $0
THE MORTGAGE FIRM, INC. 1 6.75% $3,400
HIGHLANDS RESIDENTIAL MORTGAGE, LTD. 1 7.50% $7,321
GSF Mortgage Corporation 1 7.13% $4,728
Greenfield Banking Company 1 7.38% $3,288
CME Federal Credit Union 1 6.63% $6,904
Petefish, Skiles & Co. 1 6.50% $3,054
UNITED HOME LOANS, INC. 1 6.75% $3,639
CLIFFCO, INC. 1 6.38% $5,203
GENISYS 1 6.50% $3,758
FOUNDATION MORTGAGE CORPORATION 1 10.13% $18,862
The State Bank 1 6.63% $4,148
FORUM Credit Union 1 7.50% $2,311
Fortress Bank 1 7.13% $6,083
FM Home Loans, LLC 1 6.88% $4,653
BancorpSouth 1 5.88% $4,685
Presidential Bank, FSB 1 6.49% $4,092
F & M Bank 1 6.13% $2,676
Florida Capital Bank 1 6.99% $13,583
PROPER RATE, LLC 1 6.55% $9,296
PROPONENT Federal Credit Union 1 6.25% $3,490
FLAT BRANCH MORTGAGE, INC. 1 6.13% $2,871
First State Bank of St. Charles, Missouri 1 6.88% $4,297
PURDUE FEDERAL CREDIT UNION 1 7.00% $5,300

CINCINNATI Average Closing Costs & Other Stats

CINCINNATI, OH-KY-IN's 366 lenders originated 53,150 loans during 2024. The total origination value was $12,824,110,000, with an average loan value of $241,281.

CINCINNATI's average closing costs are $4,505.

The top CINCINNATI lender as defined by loan originations is UNITED WHOLESALE MORTGAGE, LLC, with 1,215 loans originated. Their average total fees are $7,301, which is $957 higher than the next largest lender, QUICKEN LOANS, LLC.

The lowest fee CINCINNATI lenders (with over 10 loans originated) are Discover Bank ($0), The North Side Bank & Trust Company ($1,568), The Friendship State Bank ($2,046), Union Savings Bank ($2,329) and L & N Federal Credit Union ($2,346).

The lowest rate CINCINNATI lenders (with over 10 loans originated) are DHI MORTGAGE COMPANY, LTD. (5.70%), DELTA COMMUNITY CREDIT UNION (5.88%), Charles Schwab Bank, SSB (5.98%), WRIGHT-PATT CREDIT UNION, INC. (6.05%) and Day Air Credit Union, Inc (6.16%).

CINCINNATI, OH-KY-IN Mortgage Market Share & Volume

Loan origination value is a good proxy for a lender's prominence within the market. The general assumption is that larger lenders will have more resources, but may spend more (and therefore charge more) on marketing and overhead expenses.

Name 2023 Loan Value 2024 Loan Value % Change 2024 Market Share
UNITED WHOLESALE MORTGAGE, LLC $483,745,000 $686,285,000 41.9% 5.4%
The Huntington National Bank $459,355,000 $593,490,000 29.2% 4.6%
QUICKEN LOANS, LLC $389,310,000 $542,420,000 39.3% 4.2%
Union Savings Bank $458,155,000 $510,500,000 11.4% 4.0%
Fifth Third Bank $430,745,000 $504,700,000 17.2% 3.9%
JPMorgan Chase Bank $103,755,000 $451,280,000 334.9% 3.5%
VICTORY MORTGAGE, L.L.C. $214,160,000 $318,125,000 48.5% 2.5%
GUARANTEED RATE, INC. $220,350,000 $298,860,000 35.6% 2.3%
Guardian Savings Bank, A Federal Savings Bank $238,920,000 $285,475,000 19.5% 2.2%
U.S. Bank $246,420,000 $269,910,000 9.5% 2.1%
CROSSCOUNTRY MORTGAGE, LLC $207,475,000 $254,110,000 22.5% 2.0%
First Financial Bank $236,825,000 $241,560,000 2.0% 1.9%
PNC Bank $247,565,000 $235,150,000 -5.0% 1.8%
FIRST COMMUNITY MORTGAGE, INC. $146,960,000 $188,780,000 28.5% 1.5%
LCNB National Bank $62,535,000 $187,730,000 200.2% 1.5%
GENERAL ELECTRIC CREDIT UNION $323,515,000 $176,530,000 -45.4% 1.4%
UNION HOME MORTGAGE CORP. $129,800,000 $175,725,000 35.4% 1.4%
FIRST EQUITY MORTGAGE INCORPORATED $110,480,000 $163,045,000 47.6% 1.3%
Third Federal Savings and Loan Association of Cleveland $201,645,000 $155,205,000 -23.0% 1.2%
STOCKTON MORTGAGE CORPORATION $63,980,000 $153,125,000 139.3% 1.2%
FAIRWAY INDEPENDENT MORTGAGE CORPORATION $141,470,000 $141,575,000 0.1% 1.1%
BELLWETHER ENTERPRISE REAL ESTATE CAPITAL, LLC $131,715,000 $140,930,000 7.0% 1.1%
Mortgage Research Center, LLC $111,400,000 $136,045,000 22.1% 1.1%
GUARANTEED RATE AFFINITY, LLC $98,635,000 $120,505,000 22.2% 0.9%
NVR Mortgage Finance, Inc. $129,680,000 $118,615,000 -8.5% 0.9%
RUOFF MORTGAGE COMPANY, INC. $102,550,000 $116,770,000 13.9% 0.9%
FREEDOM MORTGAGE CORPORATION $44,070,000 $113,895,000 158.4% 0.9%
AMERICAN NEIGHBORHOOD MORTGAGE ACCEPTANCE COMPANY LLC $78,560,000 $111,885,000 42.4% 0.9%
NEWREZ LLC $64,390,000 $111,260,000 72.8% 0.9%
WRIGHT-PATT CREDIT UNION, INC. $61,410,000 $110,800,000 80.4% 0.9%
M/I FINANCIAL, LLC $52,795,000 $101,375,000 92.0% 0.8%
WesBanco $284,440,000 $93,190,000 -67.2% 0.7%
WALKER & DUNLOP, LLC $71,320,000 $90,865,000 27.4% 0.7%
DAS Acquisition Company, LLC $61,260,000 $85,405,000 39.4% 0.7%
CINFED Federal Credit Union $58,600,000 $81,560,000 39.2% 0.6%
AMERICAN PACIFIC MORTGAGE CORPORATION $82,850,000 $81,035,000 -2.2% 0.6%
PENNYMAC LOAN SERVICES, LLC $48,620,000 $75,960,000 56.2% 0.6%
ORIX REAL ESTATE CAPITAL, LLC $66,965,000 $75,805,000 13.2% 0.6%
BAYSHORE MORTGAGE FUNDING, LLC $46,745,000 $74,115,000 58.6% 0.6%
NATIONS RELIABLE LENDING, LLC $56,990,000 $72,880,000 27.9% 0.6%
The North Side Bank & Trust Company $59,380,000 $72,130,000 21.5% 0.6%
KEMBA CREDIT UNION, INC. $96,550,000 $71,885,000 -25.5% 0.6%
HOMESIDE FINANCIAL, LLC $14,275,000 $71,360,000 399.9% 0.6%
Civista Bank $74,165,000 $71,130,000 -4.1% 0.6%
RiverHills Bank $65,380,000 $68,505,000 4.8% 0.5%
Forcht Bank $61,070,000 $66,680,000 9.2% 0.5%
Paramount Residential Mortgage Group, Inc. $62,860,000 $65,645,000 4.4% 0.5%
Barings Multifamily Capital $5,355,000 $64,810,000 1,110.3% 0.5%
PRIMELENDING, A PLAINSCAPITAL COMPANY $52,210,000 $64,690,000 23.9% 0.5%
Mr. Cooper ( Nationstar Mortgage ) $42,275,000 $63,135,000 49.3% 0.5%
Prosperity Home Mortgage, LLC $60,345,000 $62,700,000 3.9% 0.5%
Warsaw Federal Savings and Loan Association $63,315,000 $62,310,000 -1.6% 0.5%
RAPID MORTGAGE COMPANY $56,080,000 $62,085,000 10.7% 0.5%
NAVY FEDERAL CREDIT UNION $44,880,000 $61,845,000 37.8% 0.5%
The Park National Bank $51,390,000 $61,200,000 19.1% 0.5%
1st National Bank $67,735,000 $58,170,000 -14.1% 0.5%
LOANDEPOT.COM, LLC $40,085,000 $56,150,000 40.1% 0.4%
LENDINGHOME FUNDING CORPORATION $33,675,000 $54,945,000 63.2% 0.4%
Stock Yards Bank & Trust Company $87,105,000 $53,885,000 -38.1% 0.4%
DHI MORTGAGE COMPANY, LTD. $43,960,000 $51,765,000 17.8% 0.4%
M&T Realty Capital Corporation $50,445,000 n/a 0.4%
Heartland Bank $50,250,000 $50,435,000 0.4% 0.4%
Plains Commerce Bank $33,560,000 $50,120,000 49.3% 0.4%
Heritage Bank, Inc. $51,490,000 $47,680,000 -7.4% 0.4%
KeyBank $23,895,000 $47,065,000 97.0% 0.4%
SIBCY CLINE MORTGAGE SERVICES, INC. $46,440,000 $46,410,000 -0.1% 0.4%
Republic Bank & Trust Company $79,555,000 $46,140,000 -42.0% 0.4%
CenterBank $35,745,000 $45,780,000 28.1% 0.4%
BROKER SOLUTIONS, INC. $30,350,000 $45,035,000 48.4% 0.4%
Truist $40,680,000 $40,800,000 0.3% 0.3%
FCN Bank $49,330,000 $39,530,000 -19.9% 0.3%
Farm Credit Mid-America, ACA $32,960,000 $39,435,000 19.6% 0.3%
Arbor Realty Trust, Inc. $30,620,000 $38,880,000 27.0% 0.3%
Bank of America $41,925,000 $38,870,000 -7.3% 0.3%
DOMINION FINANCIAL SERVICES, LLC $9,010,000 $38,725,000 329.8% 0.3%
First Commonwealth Bank $52,865,000 $38,715,000 -26.8% 0.3%
The Loan Store, Inc. $7,550,000 $38,590,000 411.1% 0.3%
Superior Credit Union, Inc. $27,725,000 $37,175,000 34.1% 0.3%
AMERICAN FINANCIAL RESOURCES, INC. $2,610,000 $36,775,000 1,309.0% 0.3%
T2 FINANCIAL LLC $39,490,000 $36,420,000 -7.8% 0.3%
Grandbridge Real Estate Capital LLC $32,635,000 n/a 0.3%
SUCCESS MORTGAGE PARTNERS, INC. $30,750,000 $31,370,000 2.0% 0.2%
Spring Valley Bank $22,595,000 $30,100,000 33.2% 0.2%
Citizens Bank $43,435,000 $29,050,000 -33.1% 0.2%
CHURCHILL MORTGAGE CORPORATION $22,900,000 $28,850,000 26.0% 0.2%
USAA Federal Savings Bank $23,795,000 $28,705,000 20.6% 0.2%
MUTUAL OF OMAHA MORTGAGE, INC. $26,750,000 $28,350,000 6.0% 0.2%
Bank of England $41,140,000 $27,935,000 -32.1% 0.2%
Cf Bank $13,755,000 $27,225,000 97.9% 0.2%
Merchants Bank of Indiana $73,570,000 $26,845,000 -63.5% 0.2%
First State Bank $475,000 $26,355,000 5,448.4% 0.2%
Carrington Mortgage Services, LLC $19,325,000 $26,080,000 35.0% 0.2%
S1L, Inc. $7,095,000 $25,910,000 265.2% 0.2%
Wells Fargo Bank $38,370,000 $25,340,000 -34.0% 0.2%
Associated Bank $155,000 $25,160,000 16,132.3% 0.2%
POLARIS HOME FUNDING CORP. $21,685,000 $23,990,000 10.6% 0.2%
VAN DYK MORTGAGE CORPORATION $28,060,000 $23,925,000 -14.7% 0.2%
Peoples Bank $1,335,000 $23,845,000 1,686.1% 0.2%
Morgan Stanley Private Bank $22,645,000 $23,765,000 4.9% 0.2%
NEW DAY FINANCIAL, LLC $11,425,000 $22,890,000 100.4% 0.2%
CMG MORTGAGE, INC. $6,600,000 $22,855,000 246.3% 0.2%
Central Bank $76,105,000 $22,715,000 -70.2% 0.2%
Discover Bank $21,600,000 $22,220,000 2.9% 0.2%
GREYSTONE SERVICING COMPANY LLC $25,480,000 $22,130,000 -13.1% 0.2%
Valley Central Bank $25,815,000 $22,070,000 -14.5% 0.2%
UBS Bank USA $16,625,000 $21,650,000 30.2% 0.2%
Community Trust Bank, Inc. $9,645,000 $21,220,000 120.0% 0.2%
TELHIO $11,910,000 $21,055,000 76.8% 0.2%
Figure Lending LLC $10,200,000 $20,760,000 103.5% 0.2%
PLANET HOME LENDING, LLC $18,390,000 $20,665,000 12.4% 0.2%
NATIONS DIRECT MORTGAGE, LLC $1,525,000 $20,515,000 1,245.2% 0.2%
21ST MORTGAGE CORPORATION $11,005,000 $19,705,000 79.1% 0.2%
Sharefax Credit Union $18,190,000 $19,245,000 5.8% 0.2%
Flagstar Bank, FSB $17,295,000 $17,505,000 1.2% 0.1%
VILLAGE CAPITAL MORTGAGE $7,565,000 $17,450,000 130.7% 0.1%
AMERISAVE MORTGAGE CORPORATION $31,200,000 $17,245,000 -44.7% 0.1%
LAKEVIEW LOAN SERVICING, LLC $8,380,000 $17,100,000 104.1% 0.1%
American Mortgage & Equity Consultants, Inc. $700,000 $16,050,000 2,192.9% 0.1%
First National Bank of Pennsylvania $7,500,000 $15,510,000 106.8% 0.1%
The Federal Savings Bank $13,885,000 $15,385,000 10.8% 0.1%
Prudential Huntoon Paige Associates, LLC $10,425,000 $15,315,000 46.9% 0.1%
VANDERBILT MORTGAGE AND FINANCE, INC. $12,395,000 $15,180,000 22.5% 0.1%
NBKC BANK $6,230,000 $14,830,000 138.0% 0.1%
NFM, INC. $8,105,000 $14,700,000 81.4% 0.1%
Pinnacle Bank $300,000 $14,535,000 4,745.0% 0.1%
Wintrust Bank, N.A. $14,335,000 n/a 0.1%
The Cincinnatus Savings & Loan Co. $9,935,000 $13,905,000 40.0% 0.1%
L & N Federal Credit Union $8,185,000 $13,880,000 69.6% 0.1%
AURGROUP FINANCIAL CREDIT UNION, INC. $14,085,000 $13,775,000 -2.2% 0.1%
RELIANCE FIRST CAPITAL, LLC $9,475,000 $13,740,000 45.0% 0.1%
Bath State Bank $10,250,000 $13,670,000 33.4% 0.1%
Gateway First Bank $11,740,000 $13,375,000 13.9% 0.1%
NORTHMARQ CAPITAL FINANCE, L.L.C. $3,005,000 $13,205,000 339.4% 0.1%
PROVIDENT FUNDING ASSOCIATES, L.P. $13,460,000 $13,090,000 -2.7% 0.1%
Day Air Credit Union, Inc $9,860,000 $13,000,000 31.8% 0.1%
ARK-LA-TEX FINANCIAL SERVICES, LLC. $4,425,000 $12,875,000 191.0% 0.1%
The Harrison Building & Loan $6,480,000 $12,875,000 98.7% 0.1%
The Friendship State Bank $9,395,000 $12,805,000 36.3% 0.1%
LENDINGONE, LLC $4,235,000 $12,500,000 195.2% 0.1%
BETTER MORTGAGE CORPORATION $7,870,000 $12,465,000 58.4% 0.1%
EMM LOANS LLC $1,920,000 $12,110,000 530.7% 0.1%
Equity Prime Mortgage LLC $7,225,000 $12,000,000 66.1% 0.1%
GENEVA FINANCIAL, LLC $5,860,000 $11,080,000 89.1% 0.1%
MOVEMENT MORTGAGE, LLC $16,690,000 $9,930,000 -40.5% 0.1%
LOANPAL, LLC $4,895,000 $9,865,000 101.5% 0.1%
Coastal Community Bank $7,170,000 $9,780,000 36.4% 0.1%
AMERICAN FINANCIAL NETWORK, INC. $8,090,000 $9,670,000 19.5% 0.1%
MICHIGAN MUTUAL, INC. $4,655,000 $9,600,000 106.2% 0.1%
EQUITY RESOURCES, INC. $18,885,000 $9,540,000 -49.5% 0.1%
MID AMERICA MORTGAGE, INC. $10,235,000 $9,470,000 -7.5% 0.1%
Somerville Bank $7,285,000 $9,445,000 29.6% 0.1%
DEEPHAVEN MORTGAGE LLC $5,745,000 $9,390,000 63.4% 0.1%
Peoples Exchange Bank $7,150,000 $9,360,000 30.9% 0.1%
Ixonia Bank $10,925,000 $9,085,000 -16.8% 0.1%
ZILLOW HOME LOANS, LLC $6,910,000 $9,045,000 30.9% 0.1%
CINCINNATI OHIO POLICE $7,000,000 $8,810,000 25.9% 0.1%
Charles Schwab Bank, SSB $3,905,000 $8,635,000 121.1% 0.1%
First Federal Bank $2,290,000 $8,600,000 275.5% 0.1%
First Merchants Bank $3,980,000 $8,380,000 110.6% 0.1%
Barrington Bank & Trust Company, N.A. $5,230,000 $8,360,000 59.8% 0.1%
ROYAL UNITED MORTGAGE LLC $5,380,000 $8,055,000 49.7% 0.1%
Peoples First Savings Bank $11,465,000 $8,000,000 -30.2% 0.1%
HOMEXPRESS MORTGAGE CORP. $940,000 $7,765,000 726.1% 0.1%
CARDINAL FINANCIAL $9,985,000 $7,705,000 -22.8% 0.1%
MORTGAGE SOLUTIONS OF COLORADO, LLC $4,310,000 $7,655,000 77.6% 0.1%
Northpointe Bank $13,995,000 $7,590,000 -45.8% 0.1%
ENDEAVOR CAPITAL, LLC. $8,435,000 $7,510,000 -11.0% 0.1%
PENTAGON FEDERAL CREDIT UNION $7,275,000 $7,440,000 2.3% 0.1%
First National Bank of America $5,300,000 $7,295,000 37.6% 0.1%
DIRECT MORTGAGE LOANS, LLC $335,000 $7,270,000 2,070.1% 0.1%
Stifel Bank and Trust $4,795,000 $7,230,000 50.8% 0.1%
Regions Bank $16,165,000 $7,090,000 -56.1% 0.1%
GUILD MORTGAGE COMPANY $7,125,000 $7,000,000 -1.8% 0.1%
Ally Bank $4,120,000 $6,890,000 67.2% 0.1%
AmeriHome Mortgage Company, LLC $4,010,000 $6,850,000 70.8% 0.1%
PHH Mortgage Corporation $4,270,000 $6,800,000 59.3% 0.1%
TOP FLITE FINANCIAL, INC. $5,935,000 $6,790,000 14.4% 0.1%
TJC Mortgage, Inc. $440,000 $6,760,000 1,436.4% 0.1%
COLLIERS MORTGAGE LLC $6,710,000 n/a 0.1%
ARC HOME LLC $8,890,000 $6,465,000 -27.3% 0.1%
LIBERTY HOME MORTGAGE CORPORATION $4,795,000 $6,380,000 33.1% 0.0%
GUIDANCE RESIDENTIAL, LLC $2,790,000 $6,250,000 124.0% 0.0%
AMERICAN HERITAGE LENDING, INC. $6,125,000 $6,170,000 0.7% 0.0%
BMO Harris Bank $2,975,000 $6,110,000 105.4% 0.0%
VELOCITY COMMERCIAL CAPITAL, LLC $1,825,000 $6,090,000 233.7% 0.0%
CLEARPATH LENDING $2,930,000 $6,085,000 107.7% 0.0%
UNITED MORTGAGE CORP $6,025,000 n/a 0.0%
LIMA ONE CAPITAL, LLC $4,890,000 $5,990,000 22.5% 0.0%
AMWEST FUNDING CORP. $3,215,000 $5,880,000 82.9% 0.0%
LENDSURE MORTGAGE CORP. $4,215,000 $5,860,000 39.0% 0.0%
EMERY FEDERAL CREDIT UNION $12,640,000 $5,800,000 -54.1% 0.0%
DELTA COMMUNITY CREDIT UNION $3,940,000 $5,730,000 45.4% 0.0%
HOMEBRIDGE FINANCIAL SERVICES, INC. $4,885,000 $5,610,000 14.8% 0.0%
The Merchants National Bank $4,685,000 $5,540,000 18.2% 0.0%
The First National Bank of Brooksville $2,735,000 $5,520,000 101.8% 0.0%
Century Mortgage Company DBA Century Lending Company $2,745,000 $5,485,000 99.8% 0.0%
NEXERA HOLDING LLC $3,915,000 $5,395,000 37.8% 0.0%
READYCAP COMMERCIAL, LLC $5,255,000 n/a 0.0%
The State Bank and Trust Company $1,395,000 $5,255,000 276.7% 0.0%
Miami Savings Bank $10,155,000 $5,240,000 -48.4% 0.0%
THE EQUITABLE MORTGAGE CORPORATION $4,230,000 $5,160,000 22.0% 0.0%
AMERICAN FINANCING CORPORATION $2,500,000 $5,125,000 105.0% 0.0%
EVANSVILLE TEACHERS $10,365,000 $4,995,000 -51.8% 0.0%
GOLD STAR MORTGAGE FINANCIAL GROUP, CORPORATION $2,375,000 $4,990,000 110.1% 0.0%
OCMBC, INC. $3,660,000 $4,960,000 35.5% 0.0%
NATIONAL COOPERATIVE BANK, N.A. $4,925,000 n/a 0.0%
A&D Mortgage LLC $2,795,000 $4,895,000 75.1% 0.0%
General Mortgage Capital Corporation $3,050,000 $4,840,000 58.7% 0.0%
Magnolia Bank $2,140,000 $4,705,000 119.9% 0.0%
DIAMOND RESIDENTIAL MORTGAGE CORPORATION $3,130,000 $4,675,000 49.4% 0.0%
City National Bank of West Virginia $5,185,000 $4,670,000 -9.9% 0.0%
German American Bank $6,570,000 $4,545,000 -30.8% 0.0%
HOWARD HANNA FINANCIAL SERVICES, INC. $2,070,000 $4,545,000 119.6% 0.0%
SUN WEST MORTGAGE COMPANY, INC. $1,670,000 $4,450,000 166.5% 0.0%
Hometown Equity Mortgage, LLC $565,000 $4,445,000 686.7% 0.0%
RESIDENTIAL WHOLESALE MORTGAGE, INC. $105,000 $4,400,000 4,090.5% 0.0%
Citibank $5,700,000 $4,385,000 -23.1% 0.0%
NexBank $4,385,000 n/a 0.0%
UIF CORPORATION $3,115,000 $4,360,000 40.0% 0.0%
FIRST TECHNOLOGY $220,000 $4,340,000 1,872.7% 0.0%
Lakeview Community Capital, LLC $1,430,000 $4,200,000 193.7% 0.0%
PREMIA MORTGAGE, LLC $5,395,000 $4,140,000 -23.3% 0.0%
MYCUMORTGAGE, LLC $2,475,000 $4,105,000 65.9% 0.0%
SPRING EQ, LLC $3,080,000 $4,065,000 32.0% 0.0%
ALLIANT CREDIT UNION $2,705,000 $4,025,000 48.8% 0.0%
FIRST COLONY MORTGAGE CORPORATION $315,000 $3,935,000 1,149.2% 0.0%
NATIONWIDE MORTGAGE BANKERS, INC. $7,965,000 $3,820,000 -52.0% 0.0%
MILEND, INC. $300,000 $3,795,000 1,165.0% 0.0%
BAY EQUITY LLC $1,875,000 $3,790,000 102.1% 0.0%
DEVELOPER'S MORTGAGE COMPANY $3,645,000 $3,725,000 2.2% 0.0%
SIRVA MORTGAGE, INC. $5,675,000 $3,655,000 -35.6% 0.0%
Citadel Servicing Corporation $845,000 $3,580,000 323.7% 0.0%
ALLIED MORTGAGE GROUP, INC. $320,000 $3,340,000 943.8% 0.0%
The Old Fort Banking Company $1,865,000 $3,285,000 76.1% 0.0%
Dollar Bank, Federal Savings Bank $1,300,000 $3,240,000 149.2% 0.0%
Nations Lending Corporation $8,520,000 $3,210,000 -62.3% 0.0%
COREVEST AMERICAN FINANCE LENDER LLC $790,000 $3,155,000 299.4% 0.0%
PLAZA HOME MORTGAGE, INC. $525,000 $3,115,000 493.3% 0.0%
LAKE MICHIGAN CREDIT UNION $2,350,000 $3,065,000 30.4% 0.0%
LEADERONE FINANCIAL CORPORATION $825,000 $3,055,000 270.3% 0.0%
Waterstone Mortgage Corporation $5,430,000 $2,935,000 -45.9% 0.0%
The Farmers & Merchants State Bank $4,310,000 $2,915,000 -32.4% 0.0%
Bethpage Federal Credit Union $515,000 $2,880,000 459.2% 0.0%
TRIAD FINANCIAL SERVICES, INC. $2,440,000 $2,875,000 17.8% 0.0%
PRIMARY RESIDENTIAL MORTGAGE, INC. $1,540,000 $2,785,000 80.8% 0.0%
M&T Bank $3,495,000 $2,665,000 -23.7% 0.0%
COMMONWEALTH $3,540,000 $2,650,000 -25.1% 0.0%
V.I.P. MORTGAGE, INC. $195,000 $2,545,000 1,205.1% 0.0%
VERITAS FUNDING, LLC $480,000 $2,485,000 417.7% 0.0%
RIVER VALLEY CREDIT UNION, INC. $1,485,000 $2,475,000 66.7% 0.0%
Old National Bank $1,870,000 $2,425,000 29.7% 0.0%
First Federal Savings and Loan Association of Lakewood $12,855,000 $2,360,000 -81.6% 0.0%
QUORUM FEDERAL CREDIT UNION $1,975,000 $2,325,000 17.7% 0.0%
FINANCE OF AMERICA REVERSE LLC $3,490,000 $2,300,000 -34.1% 0.0%
ANGEL OAK MORTGAGE SOLUTIONS LLC $2,235,000 $2,285,000 2.2% 0.0%
Independence Bank of Kentucky $470,000 $2,285,000 386.2% 0.0%
DIGNIFIED HOME LOANS, LLC $2,280,000 n/a 0.0%
FIRST OHIO HOME FINANCE, INC. $1,630,000 $2,245,000 37.7% 0.0%
MEMBER FIRST MORTGAGE, LLC $2,175,000 n/a 0.0%
CLIFFCO, INC. $2,130,000 n/a 0.0%
ROUNDPOINT MORTGAGE SERVICING CORPORATION $2,105,000 n/a 0.0%
AMERITRUST MORTGAGE CORPORATION $560,000 $2,100,000 275.0% 0.0%
KEMBA FINANCIAL $535,000 $2,030,000 279.4% 0.0%
Three Rivers Federal Credit Union $62,280,000 $2,015,000 -96.8% 0.0%
MIAMI UNIVERSITY COMMUNITY $1,065,000 $2,010,000 88.7% 0.0%
S&T Bank $1,680,000 $2,010,000 19.6% 0.0%
UNIVERSITY OF KENTUCKY $2,160,000 $1,970,000 -8.8% 0.0%
AmRes Corporation $1,130,000 $1,950,000 72.6% 0.0%
SILVER HILL FUNDING, LLC $1,525,000 $1,920,000 25.9% 0.0%
LENOX FINANCIAL MORTGAGE CORPORATION $1,035,000 $1,880,000 81.6% 0.0%
Park Lane Finance Solutions, LLC $760,000 $1,860,000 144.7% 0.0%
Goldman Sachs Bank USA $1,970,000 $1,730,000 -12.2% 0.0%
Deere Employees Credit Union $500,000 $1,725,000 245.0% 0.0%
HALLMARK HOME MORTGAGE, LLC $820,000 $1,725,000 110.4% 0.0%
TEMPLE VIEW CAPITAL FUNDING, LP $3,085,000 $1,705,000 -44.7% 0.0%
GVC MORTGAGE, INC. $1,980,000 $1,700,000 -14.1% 0.0%
First Horizon Bank $3,310,000 $1,640,000 -50.5% 0.0%
RBC Bank, (Georgia) $1,295,000 $1,600,000 23.6% 0.0%
Farmers Bank & Trust $1,335,000 $1,565,000 17.2% 0.0%
CONSTRUCTIVE LOANS, LLC $1,565,000 $1,555,000 -0.6% 0.0%
Baxter Credit Union $570,000 $1,490,000 161.4% 0.0%
GSF Mortgage Corporation $2,075,000 $1,490,000 -28.2% 0.0%
ENVOY MORTGAGE, LTD $11,795,000 $1,485,000 -87.4% 0.0%
ABSOLUTE HOME MORTGAGE CORPORATION $1,460,000 n/a 0.0%
UNIVERSAL 1 CREDIT UNION $1,235,000 $1,455,000 17.8% 0.0%
BNY Mellon $1,450,000 n/a 0.0%
DIGITAL Federal Credit Union $1,525,000 $1,450,000 -4.9% 0.0%
Southern Hills Community Bank $1,035,000 $1,435,000 38.6% 0.0%
CREDIT UNION MORTGAGE ASSOCIATION, INC. $1,080,000 $1,420,000 31.5% 0.0%
SOUTH CENTRAL BANK, INC. $2,190,000 $1,420,000 -35.2% 0.0%
Abound Federal Credit Union $135,000 $1,380,000 922.2% 0.0%
TOWNE MORTGAGE COMPANY $530,000 $1,370,000 158.5% 0.0%
TOWER $960,000 $1,360,000 41.7% 0.0%
Toyota Financial Savings Bank $2,185,000 $1,295,000 -40.7% 0.0%
Union Savings And Loan Association $6,670,000 $1,290,000 -80.7% 0.0%
GREENSTATE CREDIT UNION $765,000 $1,275,000 66.7% 0.0%
NORWICH COMMERCIAL GROUP, INC. $6,315,000 $1,255,000 -80.1% 0.0%
CANOPY MORTGAGE, LLC $530,000 $1,245,000 134.9% 0.0%
Connexus Credit Union $1,690,000 $1,240,000 -26.6% 0.0%
FOUNDATION MORTGAGE CORPORATION $1,225,000 n/a 0.0%
INTERLINC MORTGAGE SERVICES, LLC $175,000 $1,220,000 597.1% 0.0%
The Central Trust Bank $1,020,000 $1,215,000 19.1% 0.0%
RESIDENTIAL BANCORP $1,085,000 $1,210,000 11.5% 0.0%
Raymond James Bank $1,500,000 $1,190,000 -20.7% 0.0%
Cornerstone First Mortgage, Inc $700,000 $1,180,000 68.6% 0.0%
NORTHERN MORTGAGE SERVICES, LLC $850,000 $1,180,000 38.8% 0.0%
Heritage Bank $600,000 $1,165,000 94.2% 0.0%
Arvest Bank $435,000 $1,160,000 166.7% 0.0%
CALCON MUTUAL MORTGAGE LLC $135,000 $1,160,000 759.3% 0.0%
1ST SIGNATURE LENDING, LLC $2,335,000 $1,155,000 -50.5% 0.0%
Minster Bank $1,285,000 $1,150,000 -10.5% 0.0%
EVERETT FINANCIAL, INC. $17,350,000 $1,130,000 -93.5% 0.0%
EMBRACE HOME LOANS, INC. $1,485,000 $1,115,000 -24.9% 0.0%
Commerce Home Mortgage, Inc. $2,715,000 $1,110,000 -59.1% 0.0%
Leader Bank $960,000 $1,110,000 15.6% 0.0%
The Ohio Valley Bank Company $505,000 $1,045,000 106.9% 0.0%
LONGBRIDGE FINANCIAL, LLC $960,000 $1,030,000 7.3% 0.0%
Quontic Bank $405,000 $1,000,000 146.9% 0.0%
Centra Credit Union $830,000 $970,000 16.9% 0.0%
FirstBank $350,000 $960,000 174.3% 0.0%
UNIFY FINANCIAL Credit Union $710,000 $955,000 34.5% 0.0%
Providence Bank & Trust $905,000 n/a 0.0%
Bank of Hope $735,000 $885,000 20.4% 0.0%
HOMESTEAD FUNDING CORP. $125,000 $885,000 608.0% 0.0%
SECURITYNATIONAL MORTGAGE COMPANY $1,720,000 $885,000 -48.5% 0.0%
Whitaker Bank $85,000 $850,000 900.0% 0.0%
COMPASS MORTGAGE, INC. $785,000 $845,000 7.6% 0.0%
Pathways Financial Credit Union, Inc. $815,000 $845,000 3.7% 0.0%
Home Loan Investment Bank, F.S.B. $25,000 $840,000 3,260.0% 0.0%
Grand Bank for Savings, FSB $1,695,000 $820,000 -51.6% 0.0%
AMERICAN INTERNET MORTGAGE, INC. $1,080,000 $800,000 -25.9% 0.0%
HomePromise Corporation $135,000 $800,000 492.6% 0.0%
Strong Home Mortgage, LLC $730,000 $795,000 8.9% 0.0%
USAlliance Federal Credit Union $625,000 $785,000 25.6% 0.0%
Ameris Bank $470,000 $780,000 66.0% 0.0%
PROPER RATE, LLC $765,000 n/a 0.0%
Secured Investment Corp. $755,000 n/a 0.0%
Texana Bank $755,000 n/a 0.0%
Merchants Mortgage & Trust Corporation $560,000 $750,000 33.9% 0.0%
Nicolet National Bank $740,000 n/a 0.0%
Johnson Bank $725,000 n/a 0.0%
EASTMAN $720,000 n/a 0.0%
Devon Bank $715,000 n/a 0.0%
First Federal Bank of the Midwest $7,680,000 $710,000 -90.8% 0.0%
EVERENCE FEDERAL CREDIT UNION $705,000 n/a 0.0%
OAKTREE FUNDING CORP. $835,000 $705,000 -15.6% 0.0%
MORTGAGE ACCESS CORP. $2,895,000 $690,000 -76.2% 0.0%
AXIA FINANCIAL, LLC $685,000 n/a 0.0%
FIRST ALLIANCE HOME MORTGAGE, LLC $850,000 $685,000 -19.4% 0.0%
LAND HOME FINANCIAL SERVICES, INC. $480,000 $685,000 42.7% 0.0%
Jackson County Bank $670,000 n/a 0.0%
MLD MORTGAGE INC. $670,000 n/a 0.0%
N R L Federal Credit Union $995,000 $670,000 -32.7% 0.0%
American Airlines Federal Credit Union $360,000 $665,000 84.7% 0.0%
PURDUE FEDERAL CREDIT UNION $245,000 $665,000 171.4% 0.0%
Peoples Bank $1,335,000 $655,000 -50.9% 0.0%
Home Mortgage Alliance Corp $635,000 n/a 0.0%
KH NETWORK CREDIT UNION $560,000 $635,000 13.4% 0.0%
First-Citizens Bank & Trust Company $285,000 $630,000 121.1% 0.0%
PLUS RELOCATION MORTGAGE, LLC $620,000 n/a 0.0%
DESCO $770,000 $610,000 -20.8% 0.0%
East Coast Capital Corp. $215,000 $600,000 179.1% 0.0%
First Bank $870,000 $595,000 -31.6% 0.0%
BAY-VALLEY MORTGAGE GROUP $375,000 $590,000 57.3% 0.0%
JLB CORPORATION $1,540,000 $585,000 -62.0% 0.0%
Community First National Bank $570,000 n/a 0.0%
Logan Finance Corporation $1,675,000 $570,000 -66.0% 0.0%
HILTON FINANCIAL CORPORATION $205,000 $565,000 175.6% 0.0%
FEDEX EMPLOYEES CREDIT ASSOCIATION $560,000 n/a 0.0%
Presidential Bank, FSB $910,000 $560,000 -38.5% 0.0%
SOUTHWEST FUNDING, LP $560,000 n/a 0.0%
ROSS MORTGAGE CORPORATION $545,000 $555,000 1.8% 0.0%
SeaTrust Mortgage Company $555,000 n/a 0.0%
COMMUNITYAMERICA $265,000 $550,000 107.5% 0.0%
CONSUMERS COOPERATIVE CREDIT UNION $550,000 n/a 0.0%
RF Renovo Management Company, LLC $105,000 $550,000 423.8% 0.0%
BankTennessee $545,000 n/a 0.0%
STAUNTON FINANCIAL, INC. $545,000 n/a 0.0%
Blue Ridge Bank $115,000 $540,000 369.6% 0.0%
CIBM Bank $195,000 $540,000 176.9% 0.0%
FM Home Loans, LLC $540,000 n/a 0.0%
Servion, Inc. $1,490,000 $540,000 -63.8% 0.0%
Axos Bank $840,000 $530,000 -36.9% 0.0%
Mortgage Assurance Inc. $525,000 n/a 0.0%
FidelityLending Solutions Inc. dba Wholesale Mortgage Bankers $520,000 n/a 0.0%
HSBC BANK USA, NATIONAL ASSOCIATION $165,000 $510,000 209.1% 0.0%
SCHLUMBERGER EMPLOYEES CREDIT UNION $500,000 n/a 0.0%
Directions Credit Union, Inc. $205,000 $495,000 141.5% 0.0%
The First National Bank of Pandora $250,000 $495,000 98.0% 0.0%
MidFirst Bank $275,000 $490,000 78.2% 0.0%
Elements Financial Federal Credit Union $275,000 $485,000 76.4% 0.0%
UNITED $480,000 n/a 0.0%
Mercantile Bank of Michigan $7,245,000 $470,000 -93.5% 0.0%
Florida Capital Bank $465,000 n/a 0.0%
MEMBERS CHOICE $465,000 n/a 0.0%
US MORTGAGE CORPORATION $910,000 $460,000 -49.5% 0.0%
First State Bank of St. Charles, Missouri $455,000 n/a 0.0%
The Bank of Missouri $455,000 n/a 0.0%
Armed Forces Bank $915,000 $445,000 -51.4% 0.0%
BancorpSouth $445,000 n/a 0.0%
CREDIT HUMAN FEDERAL CREDIT UNION $730,000 $440,000 -39.7% 0.0%
INOVA FEDERAL CREDIT UNION $370,000 $440,000 18.9% 0.0%
OceanFirst Bank $435,000 n/a 0.0%
Valley National Bank $870,000 $425,000 -51.1% 0.0%
Alerus Financial $415,000 n/a 0.0%
FIDELITY DIRECT MORTGAGE, LLC $415,000 n/a 0.0%
First Option Mortgage, LLC $415,000 n/a 0.0%
GERSHMAN INVESTMENT CORP. $410,000 n/a 0.0%
HONDA Federal Credit Union $425,000 $410,000 -3.5% 0.0%
PREMIER MORTGAGE RESOURCES, L.L.C. $350,000 $410,000 17.1% 0.0%
STANFORD Federal Credit Union $405,000 n/a 0.0%
Towne Bank $405,000 n/a 0.0%
Sunflower Bank $665,000 $400,000 -39.8% 0.0%
Beeline Loans, Inc. $330,000 $395,000 19.7% 0.0%
Fortress Bank $395,000 n/a 0.0%
Petefish, Skiles & Co. $395,000 n/a 0.0%
TOTAL MORTGAGE SERVICES, LLC $275,000 $395,000 43.6% 0.0%
The Citizens National Bank of Somerset $265,000 $390,000 47.2% 0.0%
University Bank $390,000 n/a 0.0%
FBC MORTGAGE, LLC $385,000 n/a 0.0%
GENISYS $315,000 $385,000 22.2% 0.0%
Washington Trust Bank $190,000 $380,000 100.0% 0.0%
Advisors Mortgage Group, L.L.C. $375,000 n/a 0.0%
The Farmers State Bank $465,000 $370,000 -20.4% 0.0%
Commercial Bank $365,000 n/a 0.0%
DELMAR FINANCIAL COMPANY $105,000 $365,000 247.6% 0.0%
Allied First Bank,sb $355,000 n/a 0.0%
Granite Community Bank $355,000 n/a 0.0%
The Genoa Banking Company $540,000 $355,000 -34.3% 0.0%
Alcova Mortgage LLC $350,000 n/a 0.0%
First Bank Richmond $1,755,000 $350,000 -80.1% 0.0%
ANDREWS FEDERAL CREDIT UNION $45,000 $340,000 655.6% 0.0%
GEORGIA'S OWN $475,000 $340,000 -28.4% 0.0%
NETWORK CAPITAL FUNDING CORPORATION $340,000 n/a 0.0%
WINGS FINANCIAL $995,000 $340,000 -65.8% 0.0%
First United Bank and Trust Company $335,000 n/a 0.0%
OPEN MORTGAGE, LLC $180,000 $335,000 86.1% 0.0%
The State Bank $335,000 $335,000 0.0% 0.0%
UNITED HOME LOANS, INC. $335,000 n/a 0.0%
Deseret First Credit Union $325,000 n/a 0.0%
Lake City Bank $325,000 n/a 0.0%
Northwest Bank $2,320,000 $320,000 -86.2% 0.0%
Dakota Community Bank & Trust $315,000 n/a 0.0%
The Farmers Bank $315,000 n/a 0.0%
Residential Mortgage Solutions, Inc. $305,000 n/a 0.0%
First Financial Bank $236,825,000 $300,000 -99.9% 0.0%
MICHIGAN STATE UNIVERSITY FEDERAL CREDIT UNION $810,000 $285,000 -64.8% 0.0%
The Dart Bank $1,345,000 $285,000 -78.8% 0.0%
CREDIT UNION OF OHIO $280,000 n/a 0.0%
Bank-Fund Staff Federal Credit Union $45,000 $275,000 511.1% 0.0%
Fidelity Bank $275,000 n/a 0.0%
The Commercial and Savings Bank of Millersburg Ohio $275,000 n/a 0.0%
Flanagan State Bank $265,000 n/a 0.0%
INTERCOASTAL MORTGAGE COMPANY $550,000 $265,000 -51.8% 0.0%
SFMC, LP $265,000 n/a 0.0%
Stillman Bank $265,000 n/a 0.0%
SOUTHPOINT FINANCIAL SERVICES, INC. $465,000 $255,000 -45.2% 0.0%
The Union Bank Company $2,390,000 $255,000 -89.3% 0.0%
CODE $335,000 $250,000 -25.4% 0.0%
MASSMUTUAL $285,000 $250,000 -12.3% 0.0%
Northwest Federal Credit Union $290,000 $250,000 -13.8% 0.0%
ON Q FINANCIAL, INC. $680,000 $250,000 -63.2% 0.0%
ADVANCIAL $245,000 n/a 0.0%
First State Bank $475,000 $245,000 -48.4% 0.0%
GMFS LLC $245,000 n/a 0.0%
Greenfield Banking Company $245,000 n/a 0.0%
Mid Penn Bank $245,000 n/a 0.0%
NP, Inc. $245,000 n/a 0.0%
The Home National Bank of Thorntown $305,000 $245,000 -19.7% 0.0%
TOGETHER CREDIT UNION $85,000 $245,000 188.2% 0.0%
State Department Federal Credit Union $120,000 $240,000 100.0% 0.0%
Monroe Federal Savings and Loan Association $1,365,000 $235,000 -82.8% 0.0%
MORTGAGEONE, INC. $235,000 n/a 0.0%
NBH Bank $235,000 n/a 0.0%
North American Savings Bank, F.S.B. $1,450,000 $235,000 -83.8% 0.0%
PANORAMA MORTGAGE GROUP, LLC $230,000 n/a 0.0%
Capital Bank $350,000 $225,000 -35.7% 0.0%
HARTFORD FUNDING, LTD. $155,000 $225,000 45.2% 0.0%
HIGHLANDS RESIDENTIAL MORTGAGE, LTD. $1,485,000 $220,000 -85.2% 0.0%
Brighton Bank $215,000 n/a 0.0%
FAIR WAY LENDING LLC $250,000 $215,000 -14.0% 0.0%
FORUM Credit Union $720,000 $215,000 -70.1% 0.0%
OCEANSIDE MORTGAGE COMPANY $440,000 $215,000 -51.1% 0.0%
PROPONENT Federal Credit Union $15,000 $215,000 1,333.3% 0.0%
THOMPSON KANE & COMPANY, LLC $215,000 n/a 0.0%
AFFINITY $205,000 n/a 0.0%
Republic State Mortgage Co. $225,000 $205,000 -8.9% 0.0%
ATLANTIC BAY MORTGAGE GROUP, L.L.C. $340,000 $200,000 -41.2% 0.0%
Firefighters & Company FCU $510,000 $195,000 -61.8% 0.0%
F & M Bank $195,000 n/a 0.0%
SWBC MORTGAGE CORPORATION $275,000 $195,000 -29.1% 0.0%
The Sherwood State Bank $195,000 n/a 0.0%
Traditional Bank, Inc. $605,000 $195,000 -67.8% 0.0%
ASHLAND Credit Union $25,000 $185,000 640.0% 0.0%
Liberty Savings Bank, F.S.B. $305,000 $185,000 -39.3% 0.0%
MORTGAGE 1 INCORPORATED $1,170,000 $185,000 -84.2% 0.0%
VeraBank $185,000 n/a 0.0%
BECKAM FUNDING CORP. $175,000 n/a 0.0%
GREENWOOD $75,000 $175,000 133.3% 0.0%
THE VINTON COUNTY NATIONAL BANK $95,000 $175,000 84.2% 0.0%
YOUR HOME FINANCIAL LLC $175,000 n/a 0.0%
Independent Bank $815,000 $165,000 -79.8% 0.0%
The Farmers Bank of Milton $165,000 n/a 0.0%
Horizon Bank $15,000 $160,000 966.7% 0.0%
CHEVRON $155,000 n/a 0.0%
FIDELITY BANK $155,000 n/a 0.0%
HomeTrust Bank $190,000 $155,000 -18.4% 0.0%
INB $155,000 n/a 0.0%
PACIFIC RESIDENTIAL MORTGAGE, LLC $155,000 n/a 0.0%
THE MORTGAGE FIRM, INC. $155,000 n/a 0.0%
Willamette Valley Bank $185,000 $155,000 -16.2% 0.0%
EUSTIS AND AMERICAN MORTGAGE COMPANY $1,155,000 $145,000 -87.4% 0.0%
First Federal Bank, A FSB $145,000 n/a 0.0%
MEMBERS HERITAGE Credit Union $295,000 $140,000 -52.5% 0.0%
FIRST MORTGAGE COMPANY, INC. $1,935,000 $135,000 -93.0% 0.0%
MORTGAGE INVESTORS GROUP, INC. $135,000 n/a 0.0%
FLAT BRANCH MORTGAGE, INC. $280,000 $125,000 -55.4% 0.0%
Fortera Federal Credit Union $125,000 n/a 0.0%
Wyoming Bank & Trust $125,000 n/a 0.0%
Transportation Federal Credit Union $525,000 $120,000 -77.1% 0.0%
INTERRA CREDIT UNION $125,000 $115,000 -8.0% 0.0%
Planters Bank, Inc. $115,000 n/a 0.0%
Unity Catholic FCU $115,000 n/a 0.0%
CME Federal Credit Union $255,000 $105,000 -58.8% 0.0%
CORNERSTONE HOME LENDING, INC. $305,000 $105,000 -65.6% 0.0%
CORNING $305,000 $105,000 -65.6% 0.0%
INDIANA MEMBERS CREDIT UNION $450,000 $105,000 -76.7% 0.0%
Kish Bank $105,000 n/a 0.0%
CITIZENS EQUITY FIRST $55,000 $95,000 72.7% 0.0%
Quad City Bank and Trust Company $95,000 n/a 0.0%
COCA-COLA $85,000 n/a 0.0%
First Federal Savings and Loan Association of Greensburg $155,000 $85,000 -45.2% 0.0%
LAFAYETTE FEDERAL CREDIT UNION $710,000 $85,000 -88.0% 0.0%
Golden Empire Mortgage, Inc. $75,000 n/a 0.0%
Bedford Loan & Deposit Bank $65,000 $65,000 0.0% 0.0%
BMI Federal Credit Union $580,000 $65,000 -88.8% 0.0%
FIELD & MAIN BANK, INC. $65,000 n/a 0.0%
First Southern National Bank $55,000 n/a 0.0%
Seven Seventeen Credit Union $55,000 n/a 0.0%
The Croghan Colonial Bank $55,000 n/a 0.0%
Truliant Federal Credit Union $55,000 n/a 0.0%
ATLANTA POSTAL $45,000 n/a 0.0%
BEACON CREDIT UNION $45,000 n/a 0.0%
CITY-COUNTY CREDIT UNION $195,000 $45,000 -76.9% 0.0%
KINECTA $45,000 n/a 0.0%
NORTHROP GRUMMAN Federal Credit Union $960,000 $45,000 -95.3% 0.0%
Notre Dame Federal Credit Union Corporation $45,000 n/a 0.0%
STAR USA FEDERAL CREDIT UNION $25,000 $45,000 80.0% 0.0%
BRIDGE $255,000 $35,000 -86.3% 0.0%
DUPACO COMMUNITY $135,000 $35,000 -74.1% 0.0%
First Farmers Bank and Trust Company $195,000 $25,000 -87.2% 0.0%
First Federal Bank of Kansas City $315,000 $25,000 -92.1% 0.0%
First Home Bank $25,000 n/a 0.0%
TEACHERS CREDIT UNION $165,000 $15,000 -90.9% 0.0%

CINCINNATI's top lender by overall market share is UNITED WHOLESALE MORTGAGE, LLC, with 5.4% market share. In second place, with 4.6%, is The Huntington National Bank, having originated $593,490,000 in loans. In third place, with 4.2%, is QUICKEN LOANS, LLC, having originated $542,420,000 in loans. In fourth place, with 4.0%, is Union Savings Bank, having originated $510,500,000 in loans. In fifth place, with 3.9%, is Fifth Third Bank, having originated $504,700,000 in loans.


CINCINNATI Housing Market Trends (Median, Average Prices & Listing Count)

Realtor.com - CINCINNATI (CBSA) retrieved from FRED, Federal Reserve Bank of St. Louis
Date Median Listing Price (YoY Change) Average Listing Price (YoY) MSA/US Median Price Ratio Active Listings
2018-01-01 $225,500 (22.1%) $308,776 (10.2%) 0.84 5,184
2018-02-01 $239,450 (24.6%) $321,559 (11.4%) 0.87 4,978
2018-03-01 $258,900 (21.8%) $346,286 (13.0%) 0.91 4,809
2018-04-01 $271,500 (18.3%) $356,189 (11.8%) 0.92 4,981
2018-05-01 $275,000 (14.6%) $360,546 (11.5%) 0.92 5,271
2018-06-01 $269,990 (12.3%) $353,754 (9.1%) 0.90 5,771
2018-07-01 $269,900 (12.5%) $350,934 (9.3%) 0.90 6,152
2018-08-01 $259,500 (8.5%) $342,614 (7.8%) 0.87 6,424
2018-09-01 $255,000 (8.3%) $337,584 (6.2%) 0.86 6,609
2018-10-01 $249,900 (9.4%) $333,431 (6.4%) 0.85 6,681
2018-11-01 $248,260 (10.3%) $329,365 (6.3%) 0.84 6,564
2018-12-01 $239,900 (8.6%) $330,102 (8.0%) 0.83 5,889
2019-01-01 $239,900 (6.4%) $325,120 (5.3%) 0.83 5,363
2019-02-01 $253,925 (6.0%) $342,552 (6.5%) 0.86 4,927
2019-03-01 $267,957 (3.5%) $355,066 (2.5%) 0.88 4,897
2019-04-01 $280,850 (3.4%) $366,627 (2.9%) 0.89 4,935
2019-05-01 $289,900 (5.4%) $377,313 (4.7%) 0.91 5,118
2019-06-01 $288,270 (6.8%) $372,609 (5.3%) 0.90 5,229
2019-07-01 $284,000 (5.2%) $369,377 (5.3%) 0.89 5,369
2019-08-01 $276,394 (6.5%) $361,907 (5.6%) 0.88 5,446
2019-09-01 $271,000 (6.3%) $357,257 (5.8%) 0.87 5,462
2019-10-01 $267,404 (7.0%) $354,157 (6.2%) 0.86 5,460
2019-11-01 $260,478 (4.9%) $346,906 (5.3%) 0.85 5,141
2019-12-01 $259,900 (8.3%) $343,573 (4.1%) 0.87 4,577
2020-01-01 $265,950 (10.9%) $347,628 (6.9%) 0.89 4,090
2020-02-01 $280,000 (10.3%) $369,603 (7.9%) 0.92 3,581
2020-03-01 $299,675 (11.8%) $386,321 (8.8%) 0.94 3,489
2020-04-01 $299,950 (6.8%) $384,970 (5.0%) 0.94 3,546
2020-05-01 $325,000 (12.1%) $401,187 (6.3%) 0.99 3,416
2020-06-01 $334,950 (16.2%) $421,967 (13.3%) 0.99 3,154
2020-07-01 $337,450 (18.8%) $429,378 (16.2%) 0.98 2,914
2020-08-01 $324,900 (17.6%) $427,022 (18.0%) 0.93 2,946
2020-09-01 $316,750 (16.9%) $427,028 (19.5%) 0.91 2,996
2020-10-01 $299,983 (12.2%) $418,036 (18.0%) 0.86 3,052
2020-11-01 $290,950 (11.7%) $409,042 (17.9%) 0.85 2,956
2020-12-01 $292,450 (12.5%) $414,493 (20.6%) 0.87 2,567
2021-01-01 $299,900 (12.8%) $428,732 (23.3%) 0.90 2,175
2021-02-01 $317,400 (13.4%) $442,149 (19.6%) 0.92 1,778
2021-03-01 $325,000 (8.5%) $454,696 (17.7%) 0.92 1,707
2021-04-01 $347,426 (15.8%) $481,319 (25.0%) 0.94 1,682
2021-05-01 $359,000 (10.5%) $490,549 (22.3%) 0.95 1,853
2021-06-01 $349,208 (4.3%) $480,993 (14.0%) 0.92 2,090
2021-07-01 $325,000 (-3.7%) $455,717 (6.1%) 0.86 2,490
2021-08-01 $315,000 (-3.1%) $434,350 (1.7%) 0.84 2,817
2021-09-01 $304,950 (-3.7%) $429,711 (0.6%) 0.81 2,842
2021-10-01 $300,000 (0.0%) $427,054 (2.2%) 0.80 2,702
2021-11-01 $299,450 (2.9%) $421,388 (3.0%) 0.80 2,456
2021-12-01 $297,000 (1.6%) $427,378 (3.1%) 0.80 2,120
2022-01-01 $299,900 (0.0%) $435,730 (1.6%) 0.81 1,798
2022-02-01 $322,000 (1.5%) $462,407 (4.6%) 0.84 1,443
2022-03-01 $319,950 (-1.6%) $459,330 (1.0%) 0.80 1,396
2022-04-01 $324,900 (-6.5%) $454,405 (-5.6%) 0.77 1,462
2022-05-01 $324,950 (-9.5%) $450,319 (-8.2%) 0.74 1,843
2022-06-01 $325,000 (-6.9%) $450,550 (-6.3%) 0.72 2,151
2022-07-01 $319,000 (-1.9%) $435,952 (-4.3%) 0.72 2,525
2022-08-01 $322,400 (2.4%) $436,321 (0.5%) 0.75 2,603
2022-09-01 $325,000 (6.6%) $444,323 (3.4%) 0.76 2,504
2022-10-01 $324,900 (8.3%) $444,472 (4.1%) 0.76 2,739
2022-11-01 $325,000 (8.5%) $444,855 (5.6%) 0.78 2,709
2022-12-01 $325,000 (9.4%) $447,814 (4.8%) 0.80 2,346
2023-01-01 $329,450 (9.9%) $453,307 (4.0%) 0.82 2,043
2023-02-01 $362,150 (12.5%) $490,773 (6.1%) 0.87 1,730
2023-03-01 $369,650 (15.5%) $507,309 (10.5%) 0.87 1,665
2023-04-01 $385,000 (18.5%) $513,352 (13.0%) 0.90 1,832
2023-05-01 $391,308 (20.4%) $519,749 (15.4%) 0.89 1,900
2023-06-01 $389,925 (20.0%) $511,523 (13.5%) 0.88 2,120
2023-07-01 $384,998 (20.7%) $514,961 (18.1%) 0.88 2,239
2023-08-01 $376,950 (16.9%) $503,974 (15.5%) 0.87 2,414
2023-09-01 $374,500 (15.2%) $499,059 (12.3%) 0.87 2,651
2023-10-01 $357,475 (10.0%) $484,952 (9.1%) 0.84 2,905
2023-11-01 $345,000 (6.2%) $467,442 (5.1%) 0.82 3,010
2023-12-01 $335,245 (3.2%) $456,295 (1.9%) 0.82 2,755
2024-01-01 $329,950 (0.2%) $452,324 (-0.2%) 0.81 2,433
2024-02-01 $337,450 (-6.8%) $471,017 (-4.0%) 0.81 2,172
2024-03-01 $350,900 (-5.1%) $490,861 (-3.2%) 0.83 2,131
2024-04-01 $375,000 (-2.6%) $496,473 (-3.3%) 0.87 2,253
2024-05-01 $378,500 (-3.3%) $503,091 (-3.2%) 0.86 2,408
2024-06-01 $378,900 (-2.8%) $501,013 (-2.1%) 0.86 2,738
2024-07-01 $361,075 (-6.2%) $481,935 (-6.4%) 0.83 3,017
2024-08-01 $349,900 (-7.2%) $466,011 (-7.5%) 0.81 3,350
2024-09-01 $337,450 (-9.9%) $459,533 (-7.9%) 0.79 3,569
2024-10-01 $331,500 (-7.3%) $450,735 (-7.1%) 0.78 3,663
2024-11-01 $319,900 (-7.3%) $436,195 (-6.7%) 0.77 3,722
2024-12-01 $319,450 (-4.7%) $432,641 (-5.2%) 0.79 3,270
2025-01-01 $319,450 (-3.2%) $435,446 (-3.7%) 0.80 2,902
2025-02-01 $324,950 (-3.7%) $440,707 (-6.4%) 0.79 2,722
2025-03-01 $335,000 (-4.5%) $454,576 (-7.4%) 0.00 2,717
CINCINNATI's median listing price for 2025-03-01 was $335,000, a difference of $-15,900 (-4.5%) versus the prior year and $10,050 versus the prior month.

CINCINNATI's median listing price comes in at 0% of the national average.

CINCINNATI's average listing price for 2025-03-01 was $454,576, a difference of $-36,285 (-7.4%) versus the prior year and $13,869 versus the prior month.

For the 2025-03-01 period, CINCINNATI had 2,717 MLS listings, a difference of -5 listings (0%) versus the prior month and 586 listings (27%) versus the prior year.

Median Listing Time on Market & Square Footage

Realtor.com - CINCINNATI (CBSA) retrieved from FRED, Federal Reserve Bank of St. Louis
Date Median Listing Time on Market Median Square Footage
2018-01-01 78 days 1,863 sqft
2018-02-01 69 days 1,890 sqft
2018-03-01 47 days 2,011 sqft
2018-04-01 44 days 2,107 sqft
2018-05-01 39 days 2,150 sqft
2018-06-01 40 days 2,132 sqft
2018-07-01 43 days 2,111 sqft
2018-08-01 45 days 2,072 sqft
2018-09-01 48 days 2,022 sqft
2018-10-01 52 days 1,991 sqft
2018-11-01 54 days 1,967 sqft
2018-12-01 64 days 1,936 sqft
2019-01-01 72 days 1,900 sqft
2019-02-01 67 days 1,968 sqft
2019-03-01 51 days 2,017 sqft
2019-04-01 43 days 2,068 sqft
2019-05-01 40 days 2,127 sqft
2019-06-01 42 days 2,125 sqft
2019-07-01 46 days 2,126 sqft
2019-08-01 47 days 2,083 sqft
2019-09-01 49 days 2,038 sqft
2019-10-01 50 days 2,006 sqft
2019-11-01 52 days 1,978 sqft
2019-12-01 63 days 1,944 sqft
2020-01-01 71 days 1,951 sqft
2020-02-01 60 days 2,048 sqft
2020-03-01 44 days 2,107 sqft
2020-04-01 45 days 2,100 sqft
2020-05-01 47 days 2,178 sqft
2020-06-01 45 days 2,217 sqft
2020-07-01 43 days 2,194 sqft
2020-08-01 38 days 2,134 sqft
2020-09-01 37 days 2,060 sqft
2020-10-01 37 days 2,000 sqft
2020-11-01 40 days 1,914 sqft
2020-12-01 52 days 1,895 sqft
2021-01-01 54 days 1,867 sqft
2021-02-01 49 days 1,858 sqft
2021-03-01 33 days 1,871 sqft
2021-04-01 31 days 1,934 sqft
2021-05-01 23 days 1,986 sqft
2021-06-01 24 days 1,935 sqft
2021-07-01 25 days 1,868 sqft
2021-08-01 28 days 1,824 sqft
2021-09-01 33 days 1,802 sqft
2021-10-01 36 days 1,782 sqft
2021-11-01 38 days 1,744 sqft
2021-12-01 46 days 1,692 sqft
2022-01-01 57 days 1,680 sqft
2022-02-01 51 days 1,686 sqft
2022-03-01 31 days 1,699 sqft
2022-04-01 24 days 1,717 sqft
2022-05-01 21 days 1,767 sqft
2022-06-01 22 days 1,810 sqft
2022-07-01 25 days 1,800 sqft
2022-08-01 30 days 1,799 sqft
2022-09-01 36 days 1,808 sqft
2022-10-01 34 days 1,840 sqft
2022-11-01 40 days 1,830 sqft
2022-12-01 51 days 1,804 sqft
2023-01-01 55 days 1,807 sqft
2023-02-01 49 days 1,815 sqft
2023-03-01 38 days 1,829 sqft
2023-04-01 31 days 1,897 sqft
2023-05-01 32 days 1,992 sqft
2023-06-01 30 days 2,000 sqft
2023-07-01 31 days 1,962 sqft
2023-08-01 32 days 1,957 sqft
2023-09-01 32 days 1,957 sqft
2023-10-01 33 days 1,942 sqft
2023-11-01 38 days 1,894 sqft
2023-12-01 44 days 1,831 sqft
2024-01-01 54 days 1,792 sqft
2024-02-01 39 days 1,800 sqft
2024-03-01 36 days 1,851 sqft
2024-04-01 32 days 1,877 sqft
2024-05-01 30 days 1,873 sqft
2024-06-01 31 days 1,886 sqft
2024-07-01 32 days 1,843 sqft
2024-08-01 33 days 1,777 sqft
2024-09-01 38 days 1,759 sqft
2024-10-01 37 days 1,733 sqft
2024-11-01 43 days 1,683 sqft
2024-12-01 52 days 1,666 sqft
2025-01-01 61 days 1,657 sqft
2025-02-01 50 days 1,683 sqft
2025-03-01 0 days 1,685 sqft
CINCINNATI's median listing age (time on market) for 2025-03-01 was 0 days. This is -100% shorter than the same period one year ago.

CINCINNATI's median square footage for active listings during the 2025-03-01 period was 1,685 sqft. One year prior, the average listing was 1,851 sqft.

CINCINNATI, OH-KY-IN Market Loan Reason

Loan Purpose Originations Total Value Average Loan
Home Purchase 27,442 $8,365,180,000 $304,831
Cash Out Refi 7,323 $1,440,735,000 $196,741
Other 6,673 $664,455,000 $99,574
Refi 5,881 $1,769,035,000 $300,805
Home Improvement 5,637 $547,625,000 $97,148
NA 194 $37,080,000 $191,134

Cincinnati's most frequently cited loan purpose was Home Purchase, with 27,442 originations. The 2nd most popular reason was Cash Out Refi, with 7,323 originations.

Interest Rate Frequencies

Loan Rate Originations Total Value Average Loan
6-7% 20,999 $6,050,675,000 $288,141
Over 8% 12,597 $1,424,645,000 $113,094
7-8% 10,671 $2,629,995,000 $246,462
5-6% 6,113 $2,028,985,000 $331,913
4-5% 521 $142,685,000 $273,868
<2.5% 432 $10,640,000 $24,630
3-4% 385 $41,965,000 $109,000
2.5-3% 78 $8,780,000 $112,564

During 2024, Cincinnati's most frequently originated rate bucket was 6-7%, with 20,999 originations.

Loan Sizing (CINCINNATI, OH-KY-IN MSA)

Loan Size Originations Total Value Average Loan
$200k-400k 18,928 $5,267,570,000 $278,295
$100k-200k 15,049 $2,220,285,000 $147,537
$100,000 or less 13,206 $717,820,000 $54,356
$400k-600k 4,182 $1,988,900,000 $475,586
$600k-1000k 1,401 $1,009,945,000 $720,874
$Over $1MM 384 $1,619,590,000 $4,217,682

CINCINNATI's loan sizing saw the bucket of loans from $200k-400k with 18,928 originations, totaling $5,267,570,000 in origination value.

LTV Distribution

Loan to Value Originations Total Value Average Loan
80-100% 18,739 $5,604,395,000 $299,077
60-80% 11,449 $3,502,945,000 $305,961
20-40% 8,017 $1,227,785,000 $153,148
Under 20% 7,808 $418,390,000 $53,585
40-60% 4,719 $1,174,375,000 $248,861
Over 100% 483 $240,495,000 $497,919

CINCINNATI's loan sizing saw loans grouped in the 80-100% Loan-to-value bucket with 18,739 originations, totaling $5,604,395,000 in origination value.