Mortgage lenders in Montgomery County
12,884 mortgages were made in Montgomery County, Ohio, in 2025, by 463 lenders. The median rate their borrowers got was 6.750% on a median loan of $155,000. Of 17,554 decisions, 3,826 were denials — 21.8%, most often for credit history.
| Lender | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| WRIGHT-PATT CREDIT UNION, INC. | 1,684 | 7.250% | $95,000 | 29.7% |
| Union Savings Bank | 915 | 6.625% | $195,000 | 5.4% |
| Fifth Third Bank, National Association | 821 | 7.750% | $85,000 | 30.6% |
| Rocket Mortgage, LLC | 707 | 6.625% | $165,000 | 18.8% |
| The Huntington National Bank | 580 | 6.875% | $155,000 | 24.5% |
| UNITED SHORE FINANCIAL SERVICES, LLC | 431 | 6.375% | $205,000 | 16.0% |
| Day Air Credit Union, Inc. | 423 | 7.240% | $95,000 | 19.7% |
| Mortgage Research Center, LLC | 313 | 6.250% | $235,000 | 20.8% |
| CROSSCOUNTRY MORTGAGE, INC. | 292 | 6.875% | $185,000 | 2.6% |
| PRIMELENDING, A PLAINSCAPITAL COMPANY | 252 | 6.750% | $205,000 | 2.8% |
| PNC Bank, National Association | 237 | 7.400% | $95,000 | 33.1% |
| Cornerstone First Mortgage, Inc | 221 | 6.625% | $195,000 | 0.9% |
| DAS Acquisition Company, LLC | 211 | 6.750% | $205,000 | 2.1% |
| U.S. Bank National Association | 194 | 7.000% | $135,000 | 46.7% |
| FREEDOM MORTGAGE CORPORATION | 187 | 6.250% | $235,000 | 8.7% |
| Loandepot.Com, LLC | 184 | 6.750% | $145,000 | 20.3% |
| JPMorgan Chase Bank, National Association | 178 | 6.500% | $165,000 | 16.3% |
| Broker Solutions, Inc. | 167 | 6.750% | $175,000 | 11.5% |
| First Financial Bank | 158 | 6.000% | $115,000 | 28.8% |
| GUARANTEED RATE, INC. | 155 | 6.525% | $185,000 | 7.6% |
| Fairway Independent Mortgage Corporation | 149 | 6.875% | $155,000 | 6.7% |
| Navy Federal Credit Union | 138 | 6.375% | $185,000 | 21.3% |
| FIRST COMMUNITY MORTGAGE, INC. | 138 | 6.625% | $195,000 | 3.1% |
| PENNYMAC LOAN SERVICES, LLC | 137 | 6.000% | $175,000 | 18.5% |
| NVR Mortgage Finance, Inc. | 133 | 6.250% | $315,000 | 31.4% |
| NEWREZ LLC | 106 | 6.750% | $170,000 | 33.5% |
| UNION HOME MORTGAGE CORP. | 99 | 6.750% | $205,000 | 1.9% |
| M/I FINANCIAL, LLC | 94 | 5.875% | $435,000 | 0.0% |
| FIGURE LENDING LLC | 93 | 9.200% | $55,000 | 20.6% |
| NATIONSTAR MORTGAGE LLC | 88 | 7.188% | $125,000 | 13.5% |
| Kiavi Funding, Inc. | 81 | 9.250% | $135,000 | 11.5% |
| RF RENOVO MANAGEMENT COMPANY, LLC | 77 | 6.950% | $255,000 | 0.0% |
| KeyBank National Association | 72 | 6.688% | $105,000 | 32.1% |
| UNIVERSAL 1 CREDIT UNION | 71 | 7.500% | $65,000 | 14.3% |
| BPL MORTGAGE TRUST, LLC | 70 | 7.500% | $125,000 | 10.8% |
| DAY-MET CREDIT UNION, INC. | 68 | 6.688% | $75,000 | 0.0% |
| VANDERBILT MORTGAGE AND FINANCE, INC. | 58 | 5.750% | $300,000 | 25.6% |
| VICTORY MORTGAGE, L.L.C. | 52 | 5.933% | $270,000 | 7.1% |
| RIVER VALLEY CREDIT UNION, INC. | 51 | 5.875% | $55,000 | 20.3% |
| Third Federal Savings and Loan Association of Cleveland | 50 | 6.890% | $80,000 | 44.1% |
| RUOFF MORTGAGE COMPANY, INC. | 47 | 6.875% | $195,000 | 1.9% |
| WesBanco Bank, Inc. | 46 | 5.938% | $190,000 | 21.3% |
| AmeriSave Mortgage Corporation | 45 | 8.250% | $65,000 | 72.1% |
| NFM, INC. | 45 | 6.875% | $185,000 | 4.2% |
| Coastal Community Bank | 44 | 12.740% | $40,000 | 1.4% |
| CODE Credit Union | 44 | 7.740% | $35,000 | 32.4% |
| USAA Federal Savings Bank | 38 | 6.313% | $210,000 | 33.3% |
| CARRINGTON MORTGAGE SERVICES, LLC | 37 | 6.625% | $195,000 | 45.7% |
| Mortgage Right | 37 | 6.750% | $205,000 | 15.9% |
| Citizens Bank, National Association | 37 | 7.150% | $125,000 | 31.5% |
| GoodLeap, LLC | 36 | 6.563% | $100,000 | 27.6% |
| BRIDGE CREDIT UNION, INC. | 36 | 6.313% | $75,000 | 22.2% |
| MUTUAL OF OMAHA MORTGAGE, INC. | 36 | 6.490% | $205,000 | 15.2% |
| THE LOAN STORE, INC. | 35 | 6.875% | $185,000 | 15.2% |
| LOWER, LLC | 34 | 6.500% | $195,000 | 18.6% |
| Gateway First Bank | 34 | 6.438% | $165,000 | 10.5% |
| NEW DAY FINANCIAL, LLC | 33 | 6.990% | $205,000 | 48.7% |
| GENEVA FINANCIAL, LLC | 33 | 6.625% | $175,000 | 2.9% |
| GUILD MORTGAGE COMPANY | 33 | 6.625% | $205,000 | 0.0% |
| AMERICAN PACIFIC MORTGAGE CORPORATION | 31 | 6.990% | $145,000 | 29.5% |
| VAN DYK MORTGAGE CORPORATION | 31 | 6.625% | $195,000 | 5.9% |
| The Park National Bank | 31 | 6.880% | $175,000 | 18.4% |
| SOFI BANK, NATIONAL ASSOCIATION | 30 | 7.058% | $125,000 | 11.8% |
| BETTER MORTGAGE CORPORATION | 30 | 6.625% | $205,000 | 41.2% |
| ZILLOW HOME LOANS, LLC | 30 | 6.625% | $175,000 | 6.3% |
| Bank of America, National Association | 28 | 5.995% | $155,000 | 55.2% |
| CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP | 27 | 6.875% | $105,000 | 18.4% |
| PRIMARY RESIDENTIAL MORTGAGE, INC. | 27 | 6.625% | $175,000 | 3.6% |
| SPRING EQ, LLC | 26 | 9.863% | $55,000 | 61.6% |
| DOMINION FINANCIAL SERVICES, LLC | 26 | 7.125% | $155,000 | 0.0% |
| HOWARD HANNA FINANCIAL SERVICES, INC. | 26 | 6.500% | $215,000 | 0.0% |
| Lendage, LLC | 26 | 10.938% | $45,000 | 0.0% |
| RAPID MORTGAGE COMPANY | 25 | 6.625% | $205,000 | 0.0% |
| RESIDENTIAL WHOLESALE MORTGAGE, INC. | 25 | 6.500% | $235,000 | 0.0% |
| Click n' Close, Inc. | 24 | 7.125% | $155,000 | 17.2% |
| POLARIS HOME FUNDING CORP. | 23 | 6.875% | $175,000 | 19.4% |
| T2 FINANCIAL LLC | 22 | 6.813% | $195,000 | 7.7% |
| Equity Prime Mortgage LLC | 21 | 7.000% | $205,000 | 12.5% |
| VILLAGE CAPITAL & INVESTMENT LLC | 20 | 5.813% | $275,000 | 26.7% |
| Loan Funder LLC | 20 | 7.850% | $125,000 | 20.0% |
| Wells Fargo Bank, National Association | 20 | 6.750% | $140,000 | 25.9% |
| 1st National Bank | 20 | 6.375% | $170,000 | 0.0% |
| TRIAD FINANCIAL SERVICES, INC. | 19 | 8.490% | $65,000 | 66.4% |
| AMERICAN FINANCIAL RESOURCES, INC. | 19 | 6.625% | $185,000 | 9.5% |
| 254900CTT87ZKAUTIJ37 | 19 | 7.990% | $115,000 | 5.0% |
| LEADERONE FINANCIAL CORPORATION | 18 | 6.562% | $240,000 | 18.2% |
| LIBERTY HOME MORTGAGE CORPORATION | 18 | 7.063% | $180,000 | 10.0% |
| THE OLD FORT BANKING COMPANY | 18 | Not published | $150,000 | 9.5% |
| AMERIHOME MORTGAGE COMPANY, LLC | 17 | 6.375% | $255,000 | 26.1% |
| VELOCITY COMMERCIAL CAPITAL, LLC | 17 | 9.865% | $115,000 | 0.0% |
| Paramount Residential Mortgage Group, Inc. | 16 | 7.058% | $165,000 | 5.9% |
| ENVOY MORTGAGE, LTD | 16 | 6.875% | $195,000 | 5.6% |
| DIRECT MORTGAGE LOANS, LLC | 16 | 7.375% | $195,000 | 0.0% |
| CMG MORTGAGE, INC. | 16 | 6.500% | $255,000 | 5.0% |
| MOVEMENT MORTGAGE, LLC | 16 | 6.750% | $195,000 | 0.0% |
| OCMBC, INC. | 16 | 7.438% | $145,000 | 5.3% |
| LCNB National Bank | 16 | 6.375% | $195,000 | 11.1% |
| 3RD STREET FINANCIAL CORP. | 16 | 6.750% | $265,000 | 0.0% |
| LAKEVIEW LOAN SERVICING, LLC | 15 | 6.490% | $225,000 | 55.6% |
| DHI MORTGAGE COMPANY, LTD. | 15 | 5.500% | $375,000 | 28.6% |
| AMERICAN FINANCIAL NETWORK, INC. | 15 | 7.125% | $195,000 | 11.1% |
| KH NETWORK CREDIT UNION | 15 | 8.500% | $65,000 | 0.0% |
| Discover Bank | 14 | 8.965% | $55,000 | 77.8% |
| AMERICAN FINANCING CORPORATION | 14 | 6.375% | $135,000 | 36.7% |
| Civista Bank | 14 | 6.688% | $185,000 | 20.0% |
| ROYAL UNITED MORTGAGE LLC | 14 | 6.813% | $100,000 | 22.2% |
| HOMEBRIDGE FINANCIAL SERVICES, INC. | 14 | 10.755% | $120,000 | 11.8% |
| Commerce Home Mortgage, Inc. | 14 | 7.188% | $140,000 | 0.0% |
| First National Bank of Pennsylvania | 14 | 6.500% | $410,000 | 17.7% |
| AMERICAN NEIGHBORHOOD MORTGAGE ACCEPTANCE COMPANY LLC | 13 | 6.875% | $235,000 | 0.0% |
| PROVIDENT FUNDING ASSOCIATES, L.P. | 13 | 6.000% | $305,000 | 13.3% |
| PLAZA HOME MORTGAGE, INC. | 13 | 6.500% | $265,000 | 7.1% |
| AMWEST FUNDING CORP. | 13 | 7.000% | $145,000 | 0.0% |
| ARK-LA-TEX FINANCIAL SERVICES, LLC. | 13 | 6.250% | $295,000 | 0.0% |
| CHURCHILL MORTGAGE CORPORATION | 13 | 6.750% | $195,000 | 6.3% |
| Monroe Federal Savings and Loan Association | 13 | Not published | $195,000 | 0.0% |
| Minster Bank | 13 | 6.750% | $135,000 | 7.1% |
| THE EQUITABLE MORTGAGE CORPORATION | 13 | 6.500% | $205,000 | 0.0% |
| 254900M2C4Q6DATP2889 | 12 | 6.500% | $230,000 | 36.8% |
| HOMEXPRESS MORTGAGE CORP. | 12 | 8.313% | $165,000 | 55.6% |
| Guardian Savings Bank | 12 | 6.625% | $170,000 | 33.3% |
| A&D Mortgage LLC | 12 | 6.750% | $155,000 | 7.7% |
| PLANET HOME LENDING, LLC | 12 | 5.933% | $210,000 | 20.0% |
| Merchants Bank of Indiana | 12 | 6.625% | $185,000 | 14.3% |
| Peoples Bank | 12 | 6.500% | $105,000 | 0.0% |
| NORTHERN MORTGAGE SERVICES, LLC | 11 | 6.375% | $225,000 | 7.7% |
| EQUITY RESOURCES, INC. | 11 | 6.625% | $195,000 | 26.7% |
| GENERAL ELECTRIC CREDIT UNION | 11 | 5.990% | $135,000 | 21.4% |
| Pathways Financial Credit Union, Inc. | 11 | 6.490% | $65,000 | 42.1% |
| DEEPHAVEN MORTGAGE LLC | 11 | 7.875% | $155,000 | 38.9% |
| FIRST COLONY MORTGAGE CORPORATION | 11 | 6.750% | $245,000 | 0.0% |
| New Carlisle Federal Savings Bank | 11 | Not published | $175,000 | 6.7% |
| The Farmers State Bank | 11 | Not published | $275,000 | 0.0% |
| LIMA ONE CAPITAL, LLC | 10 | 7.992% | $205,000 | 28.6% |
| GVC MORTGAGE, INC. | 10 | 6.490% | $275,000 | 0.0% |
| BAYSHORE MORTGAGE FUNDING, LLC | 10 | 6.875% | $165,000 | 0.0% |
| Synergy One Lending, Inc. | 10 | 6.933% | $245,000 | 9.1% |
| Warsaw Federal Savings and Loan Association | 10 | 6.508% | $110,000 | 0.0% |
| ABBEY CREDIT UNION, INC. | 10 | 7.250% | $60,000 | 0.0% |
| Valon Mortgage, Inc. | 10 | 8.200% | $50,000 | 0.0% |
| 21st Mortgage Corporation | 9 | Under 10 loans | Under 10 loans | 83.1% |
| The Federal Savings Bank | 9 | Under 10 loans | Under 10 loans | 35.3% |
| AMERICAN HERITAGE LENDING, LLC | 9 | Under 10 loans | Under 10 loans | 21.4% |
| Greenville National Bank | 9 | Under 10 loans | Under 10 loans | 0.0% |
| 984500RF83EA742B5589 | 9 | Under 10 loans | Under 10 loans | 0.0% |
| PHH Mortgage Corporation | 8 | Under 10 loans | Under 10 loans | 27.3% |
| LENOX FINANCIAL MORTGAGE CORPORATION, Sage Home Loans Corporation | 8 | Under 10 loans | Under 10 loans | 0.0% |
| GUARANTEED RATE AFFINITY, LLC | 8 | Under 10 loans | Under 10 loans | 20.0% |
| SUN WEST MORTGAGE COMPANY, INC. | 8 | Under 10 loans | Under 10 loans | 20.0% |
| NBKC BANK | 8 | Under 10 loans | Under 10 loans | 20.0% |
| Citadel Servicing Corporation | 8 | Under 10 loans | Under 10 loans | 10.0% |
| Farm Credit Mid-America | 8 | Under 10 loans | Under 10 loans | 10.0% |
| The Twin Valley Bank | 8 | Under 10 loans | Under 10 loans | 0.0% |
| LENDINGONE, LLC | 7 | Under 10 loans | Under 10 loans | 68.2% |
| FIRST OHIO HOME FINANCE, INC. | 7 | Under 10 loans | Under 10 loans | 0.0% |
| Flagstar Bank, N.A. | 7 | Under 10 loans | Under 10 loans | 22.2% |
| TEMPLE VIEW CAPITAL FUNDING, LP | 7 | Under 10 loans | Under 10 loans | 12.5% |
| The Merchants National Bank | 7 | Under 10 loans | Under 10 loans | 12.5% |
| CONSTRUCTIVE LOANS, LLC | 7 | Under 10 loans | Under 10 loans | 0.0% |
| MILEND, INC. | 6 | Under 10 loans | Under 10 loans | 25.0% |
| ENDEAVOR CAPITAL, LLC. | 6 | Under 10 loans | Under 10 loans | 14.3% |
| MORTGAGE SOLUTIONS OF COLORADO, LLC | 6 | Under 10 loans | Under 10 loans | 0.0% |
| Barrington Bank & Trust Company, National Association | 6 | Under 10 loans | Under 10 loans | 14.3% |
| KEMBA CREDIT UNION, INC. | 6 | Under 10 loans | Under 10 loans | 12.5% |
| SUCCESS MORTGAGE PARTNERS, INC. | 6 | Under 10 loans | Under 10 loans | 0.0% |
| Manufacturers and Traders Trust Company | 6 | Under 10 loans | Under 10 loans | 25.0% |
| SUPERIOR CREDIT UNION, INC. | 6 | Under 10 loans | Under 10 loans | 0.0% |
| First National Bank Texas | 6 | Under 10 loans | Under 10 loans | 0.0% |
| Tomo Mortgage, LLC | 5 | Under 10 loans | Under 10 loans | 16.7% |
| RiverHills Bank | 5 | Under 10 loans | Under 10 loans | 37.5% |
| STOCKTON MORTGAGE CORPORATION | 5 | Under 10 loans | Under 10 loans | 16.7% |
| Truist Bank | 5 | Under 10 loans | Under 10 loans | 14.3% |
| UIF CORPORATION | 5 | Under 10 loans | Under 10 loans | 16.7% |
| RELIANCE FIRST CAPITAL, LLC | 5 | Under 10 loans | Under 10 loans | 0.0% |
| Genesis Capital, LLC | 5 | Under 10 loans | Under 10 loans | 0.0% |
| Magnolia Bank, Incorporated | 5 | Under 10 loans | Under 10 loans | 0.0% |
| BELLWETHER ENTERPRISE REAL ESTATE CAPITAL, LLC | 5 | Under 10 loans | Under 10 loans | 0.0% |
| Greenville Federal | 5 | Under 10 loans | Under 10 loans | 0.0% |
| PIKE CREEK MORTGAGE SERVICES, INC. | 5 | Under 10 loans | Under 10 loans | 0.0% |
| PENTAGON FEDERAL CREDIT UNION | 4 | Under 10 loans | Under 10 loans | 63.6% |
| GREENSTATE Credit Union | 4 | Under 10 loans | Under 10 loans | 53.3% |
| LoanUnited.com, LLC | 4 | Under 10 loans | Under 10 loans | 20.0% |
| VERITAS FUNDING, LLC | 4 | Under 10 loans | Under 10 loans | 14.3% |
| GOLD STAR MORTGAGE FINANCIAL GROUP, CORPORATION | 4 | Under 10 loans | Under 10 loans | 33.3% |
| TOP FLITE FINANCIAL, INC. | 4 | Under 10 loans | Under 10 loans | 20.0% |
| RESICENTRAL, LLC | 4 | Under 10 loans | Under 10 loans | 0.0% |
| Morgan Stanley Private Bank, National Association | 4 | Under 10 loans | Under 10 loans | 0.0% |
| Liberty Savings Bank, F.S.B. | 4 | Under 10 loans | Under 10 loans | 33.3% |
| GUIDANCE RESIDENTIAL, LLC | 4 | Under 10 loans | Under 10 loans | 0.0% |
| HONDA Federal Credit Union | 4 | Under 10 loans | Under 10 loans | 0.0% |
| Luminate Home Loans, Inc. | 4 | Under 10 loans | Under 10 loans | 0.0% |
| CREDIT UNION MORTGAGE ASSOCIATION, INC. | 4 | Under 10 loans | Under 10 loans | 0.0% |
| EMM LOANS LLC | 4 | Under 10 loans | Under 10 loans | 0.0% |
| First Federal Bank | 4 | Under 10 loans | Under 10 loans | 0.0% |
| The State Bank and Trust Company | 4 | Under 10 loans | Under 10 loans | 33.3% |
| Home Mortgage Alliance Corporation (HMAC) | 4 | Under 10 loans | Under 10 loans | 0.0% |
| Somerville Bank | 4 | Under 10 loans | Under 10 loans | 0.0% |
| BoxCar Mortgage, LLC | 4 | Under 10 loans | Under 10 loans | 0.0% |
| General Mortgage Capital Corporation | 4 | Under 10 loans | Under 10 loans | 0.0% |
| The Citizens National Bank of Bluffton | 4 | Under 10 loans | Under 10 loans | 0.0% |
Ranked by mortgages made here in 2025. "Denied" is the share of this lender’s decisions here that were denials. Another 263 lenders each made 4 or fewer mortgages here, and are counted in the totals above.
Bank branches in Montgomery County
96 FDIC-insured branches from 20 banks, as of 30 June 2026, with the deposits held at them.
| Bank | Branches here | Deposits |
|---|---|---|
| Fifth Third Bank, National Association | 16 | $3.3 billion |
| JPMorgan Chase Bank, National Association | 12 | $1.9 billion |
| PNC Bank, National Association | 11 | $1.7 billion |
| KeyBank National Association | 9 | $1.1 billion |
| The Huntington National Bank | 8 | $635.4 million |
| First Financial Bank | 7 | $554.6 million |
| U.S. Bank National Association | 6 | $808.5 million |
| Union Savings Bank | 4 | $419.4 million |
| Farmers & Merchants Bank | 4 | $282.3 million |
| LCNB National Bank | 3 | $187.5 million |
| Civista Bank | 3 | $115.3 million |
| Woodforest National Bank | 3 | $11.8 million |
| Monroe Federal Savings and Loan Association | 2 | $59.1 million |
| The Twin Valley Bank | 2 | $14.9 million |
| The First National Bank of Germantown | 1 | $85.4 million |
| WesBanco Bank, Inc. | 1 | $56.2 million |
| Minster Bank | 1 | $30.3 million |
| The Brookville Building and Savings Association | 1 | $26.2 million |
| Somerville Bank | 1 | $10.1 million |
| 1st National Bank | 1 | $1.9 million |
Closed since the 2025 survey
3 branches in the 2025 survey have no 2026 row: closed, sold, or moved.
- JPMorgan Chase Bank, National Association, 3703 N Main St, Dayton
- JPMorgan Chase Bank, National Association, 5730 N Dixie Dr, Northridge
- PNC Bank, National Association, 312 N Patterson Blvd, Dayton
Get told when this changes
When the next year’s lending figures are out for Montgomery County, or a lender arrives or leaves.
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Counts, medians and denial shares are computed from the Home Mortgage Disclosure Act loan-level file for 2025, published by the Consumer Financial Protection Bureau through the FFIEC: every application a covered lender received, as the lender reported it. Branches and deposits come from the FDIC Summary of Deposits as of 30 June 2026, and bank balance sheets from the FDIC institutions directory. A median rate is what borrowers got, not what you will be offered — it depends on the loan, the property, your credit and the market on the day, and no figure here is a quote. A median over fewer than 10 loans is not shown: it is a number with no meaning and a real person's rate half-exposed. Those cells say "under 10 loans" and the count is still published. This is information, not advice, and no lender pays to appear.