Home purchase lenders in Montgomery County
6,715 home purchase mortgages were made in Montgomery County, Ohio, in 2025, by 369 lenders. The median rate their borrowers got was 6.625% on a median loan of $205,000. Of 7,830 decisions, 801 were denials — 10.2%, most often for debt-to-income ratio.
| Lender | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| WRIGHT-PATT CREDIT UNION, INC. | 691 | 6.250% | $185,000 | 5.4% |
| Union Savings Bank | 543 | 6.625% | $235,000 | 4.4% |
| The Huntington National Bank | 301 | 6.625% | $195,000 | 4.1% |
| Rocket Mortgage, LLC | 280 | 6.625% | $195,000 | 11.5% |
| CROSSCOUNTRY MORTGAGE, INC. | 255 | 6.875% | $195,000 | 1.5% |
| Mortgage Research Center, LLC | 248 | 6.375% | $235,000 | 8.3% |
| PRIMELENDING, A PLAINSCAPITAL COMPANY | 237 | 6.750% | $205,000 | 2.6% |
| UNITED SHORE FINANCIAL SERVICES, LLC | 219 | 6.624% | $195,000 | 12.3% |
| Cornerstone First Mortgage, Inc | 212 | 6.625% | $195,000 | 0.9% |
| DAS Acquisition Company, LLC | 197 | 6.750% | $205,000 | 2.3% |
| Day Air Credit Union, Inc. | 153 | 6.625% | $175,000 | 2.4% |
| Fairway Independent Mortgage Corporation | 146 | 6.875% | $155,000 | 5.7% |
| GUARANTEED RATE, INC. | 141 | 6.525% | $185,000 | 5.4% |
| Broker Solutions, Inc. | 136 | 6.875% | $175,000 | 4.2% |
| NVR Mortgage Finance, Inc. | 133 | 6.250% | $315,000 | 31.4% |
| FIRST COMMUNITY MORTGAGE, INC. | 126 | 6.625% | $195,000 | 3.3% |
| JPMorgan Chase Bank, National Association | 113 | 6.500% | $195,000 | 14.3% |
| Fifth Third Bank, National Association | 108 | 6.750% | $175,000 | 25.7% |
| Loandepot.Com, LLC | 103 | 6.750% | $175,000 | 8.0% |
| M/I FINANCIAL, LLC | 94 | 5.875% | $435,000 | 0.0% |
| U.S. Bank National Association | 93 | 6.625% | $195,000 | 15.2% |
| Navy Federal Credit Union | 77 | 6.125% | $265,000 | 2.5% |
| UNION HOME MORTGAGE CORP. | 76 | 6.875% | $200,000 | 0.0% |
| VANDERBILT MORTGAGE AND FINANCE, INC. | 58 | 5.750% | $300,000 | 24.7% |
| First Financial Bank | 57 | 6.625% | $130,000 | 13.6% |
| VICTORY MORTGAGE, L.L.C. | 51 | 5.875% | $275,000 | 7.3% |
| RUOFF MORTGAGE COMPANY, INC. | 46 | 6.875% | $200,000 | 2.0% |
| NEWREZ LLC | 43 | 6.750% | $205,000 | 8.5% |
| NFM, INC. | 43 | 6.875% | $185,000 | 4.4% |
| Kiavi Funding, Inc. | 42 | 10.950% | $145,000 | 4.4% |
| PNC Bank, National Association | 39 | 6.500% | $165,000 | 9.3% |
| Mortgage Right | 36 | 6.750% | $210,000 | 12.2% |
| Gateway First Bank | 31 | 6.500% | $165,000 | 3.1% |
| KeyBank National Association | 30 | 6.375% | $155,000 | 28.6% |
| GENEVA FINANCIAL, LLC | 30 | 6.625% | $175,000 | 3.2% |
| ZILLOW HOME LOANS, LLC | 30 | 6.625% | $175,000 | 6.3% |
| USAA Federal Savings Bank | 29 | 6.375% | $245,000 | 34.1% |
| PENNYMAC LOAN SERVICES, LLC | 28 | 6.125% | $235,000 | 6.7% |
| AMERICAN PACIFIC MORTGAGE CORPORATION | 27 | 6.990% | $145,000 | 25.0% |
| VAN DYK MORTGAGE CORPORATION | 27 | 6.625% | $235,000 | 3.6% |
| GUILD MORTGAGE COMPANY | 27 | 6.625% | $215,000 | 0.0% |
| PRIMARY RESIDENTIAL MORTGAGE, INC. | 26 | 6.625% | $180,000 | 3.7% |
| LOWER, LLC | 26 | 6.500% | $200,000 | 7.1% |
| HOWARD HANNA FINANCIAL SERVICES, INC. | 26 | 6.500% | $215,000 | 0.0% |
| CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP | 25 | 6.875% | $105,000 | 20.0% |
| THE LOAN STORE, INC. | 24 | 6.813% | $235,000 | 13.3% |
| BPL MORTGAGE TRUST, LLC | 24 | 7.625% | $70,000 | 16.7% |
| RESIDENTIAL WHOLESALE MORTGAGE, INC. | 23 | 6.625% | $235,000 | 0.0% |
| Click n' Close, Inc. | 22 | 7.188% | $145,000 | 18.5% |
| The Park National Bank | 22 | 7.045% | $180,000 | 18.5% |
| RAPID MORTGAGE COMPANY | 22 | 6.625% | $195,000 | 0.0% |
| BETTER MORTGAGE CORPORATION | 21 | 6.625% | $255,000 | 30.0% |
| TRIAD FINANCIAL SERVICES, INC. | 19 | 8.490% | $65,000 | 66.4% |
| WesBanco Bank, Inc. | 19 | 6.375% | $195,000 | 16.7% |
| T2 FINANCIAL LLC | 19 | 6.875% | $195,000 | 9.1% |
| LIBERTY HOME MORTGAGE CORPORATION | 18 | 7.063% | $180,000 | 10.0% |
| POLARIS HOME FUNDING CORP. | 17 | 6.875% | $185,000 | 20.8% |
| Equity Prime Mortgage LLC | 17 | 7.250% | $205,000 | 15.0% |
| ENVOY MORTGAGE, LTD | 16 | 6.875% | $195,000 | 5.6% |
| Paramount Residential Mortgage Group, Inc. | 16 | 7.058% | $165,000 | 0.0% |
| Bank of America, National Association | 16 | 5.933% | $195,000 | 26.1% |
| LEADERONE FINANCIAL CORPORATION | 16 | 6.625% | $240,000 | 11.1% |
| AMERICAN FINANCIAL RESOURCES, INC. | 16 | 6.625% | $180,000 | 11.1% |
| 3RD STREET FINANCIAL CORP. | 16 | 6.750% | $265,000 | 0.0% |
| DHI MORTGAGE COMPANY, LTD. | 15 | 5.500% | $375,000 | 25.0% |
| Citizens Bank, National Association | 15 | 6.875% | $225,000 | 6.3% |
| RF RENOVO MANAGEMENT COMPANY, LLC | 15 | 10.250% | $155,000 | 0.0% |
| First National Bank of Pennsylvania | 14 | 6.500% | $410,000 | 12.5% |
| DIRECT MORTGAGE LOANS, LLC | 13 | 7.375% | $215,000 | 0.0% |
| FREEDOM MORTGAGE CORPORATION | 13 | 5.875% | $265,000 | 7.1% |
| Third Federal Savings and Loan Association of Cleveland | 13 | 6.300% | $225,000 | 0.0% |
| 254900CTT87ZKAUTIJ37 | 13 | 7.625% | $135,000 | 7.1% |
| PLAZA HOME MORTGAGE, INC. | 13 | 6.500% | $265,000 | 0.0% |
| UNIVERSAL 1 CREDIT UNION | 12 | 6.875% | $150,000 | 18.8% |
| CHURCHILL MORTGAGE CORPORATION | 12 | 6.813% | $190,000 | 6.7% |
| CMG MORTGAGE, INC. | 12 | 6.500% | $255,000 | 0.0% |
| Loan Funder LLC | 11 | 9.990% | $125,000 | 8.3% |
| 1st National Bank | 11 | 6.750% | $195,000 | 0.0% |
| NORTHERN MORTGAGE SERVICES, LLC | 11 | 6.375% | $225,000 | 7.7% |
| AMERICAN NEIGHBORHOOD MORTGAGE ACCEPTANCE COMPANY LLC | 11 | 6.875% | $235,000 | 0.0% |
| EQUITY RESOURCES, INC. | 11 | 6.625% | $195,000 | 0.0% |
| MOVEMENT MORTGAGE, LLC | 11 | 6.750% | $185,000 | 0.0% |
| THE OLD FORT BANKING COMPANY | 11 | Not published | $175,000 | 0.0% |
| Merchants Bank of Indiana | 11 | 6.625% | $190,000 | 15.4% |
| THE EQUITABLE MORTGAGE CORPORATION | 11 | 6.500% | $195,000 | 0.0% |
| FIRST COLONY MORTGAGE CORPORATION | 10 | 6.625% | $225,000 | 0.0% |
| SOFI BANK, NATIONAL ASSOCIATION | 10 | 6.625% | $205,000 | 0.0% |
| OCMBC, INC. | 10 | 7.438% | $140,000 | 0.0% |
| Warsaw Federal Savings and Loan Association | 10 | 6.508% | $110,000 | 0.0% |
| LCNB National Bank | 10 | 6.250% | $220,000 | 0.0% |
| The Farmers State Bank | 10 | Not published | $280,000 | 0.0% |
| 21st Mortgage Corporation | 9 | Under 10 loans | Under 10 loans | 82.8% |
| Wells Fargo Bank, National Association | 9 | Under 10 loans | Under 10 loans | 35.7% |
| PROVIDENT FUNDING ASSOCIATES, L.P. | 9 | Under 10 loans | Under 10 loans | 18.2% |
| Commerce Home Mortgage, Inc. | 9 | Under 10 loans | Under 10 loans | 0.0% |
| New Carlisle Federal Savings Bank | 9 | Under 10 loans | Under 10 loans | 0.0% |
| Minster Bank | 9 | Under 10 loans | Under 10 loans | 0.0% |
| BAYSHORE MORTGAGE FUNDING, LLC | 9 | Under 10 loans | Under 10 loans | 0.0% |
| GVC MORTGAGE, INC. | 8 | Under 10 loans | Under 10 loans | 0.0% |
| AMERICAN FINANCIAL NETWORK, INC. | 8 | Under 10 loans | Under 10 loans | 10.0% |
| Synergy One Lending, Inc. | 8 | Under 10 loans | Under 10 loans | 11.1% |
| Farm Credit Mid-America | 8 | Under 10 loans | Under 10 loans | 10.0% |
| Civista Bank | 8 | Under 10 loans | Under 10 loans | 0.0% |
| NATIONSTAR MORTGAGE LLC | 8 | Under 10 loans | Under 10 loans | 0.0% |
| Peoples Bank | 8 | Under 10 loans | Under 10 loans | 0.0% |
| GUARANTEED RATE AFFINITY, LLC | 7 | Under 10 loans | Under 10 loans | 0.0% |
| Guardian Savings Bank | 7 | Under 10 loans | Under 10 loans | 36.4% |
| A&D Mortgage LLC | 7 | Under 10 loans | Under 10 loans | 0.0% |
| CARRINGTON MORTGAGE SERVICES, LLC | 7 | Under 10 loans | Under 10 loans | 8.3% |
| ARK-LA-TEX FINANCIAL SERVICES, LLC. | 7 | Under 10 loans | Under 10 loans | 0.0% |
| AMWEST FUNDING CORP. | 7 | Under 10 loans | Under 10 loans | 0.0% |
| MUTUAL OF OMAHA MORTGAGE, INC. | 7 | Under 10 loans | Under 10 loans | 0.0% |
| Flagstar Bank, N.A. | 7 | Under 10 loans | Under 10 loans | 22.2% |
| Monroe Federal Savings and Loan Association | 7 | Under 10 loans | Under 10 loans | 0.0% |
| DAY-MET CREDIT UNION, INC. | 7 | Under 10 loans | Under 10 loans | 0.0% |
| FIRST OHIO HOME FINANCE, INC. | 6 | Under 10 loans | Under 10 loans | 0.0% |
| NBKC BANK | 6 | Under 10 loans | Under 10 loans | 25.0% |
| DEEPHAVEN MORTGAGE LLC | 6 | Under 10 loans | Under 10 loans | 33.3% |
| Greenville National Bank | 6 | Under 10 loans | Under 10 loans | 0.0% |
| TEMPLE VIEW CAPITAL FUNDING, LP | 6 | Under 10 loans | Under 10 loans | 14.3% |
| SUCCESS MORTGAGE PARTNERS, INC. | 6 | Under 10 loans | Under 10 loans | 0.0% |
| Tomo Mortgage, LLC | 5 | Under 10 loans | Under 10 loans | 16.7% |
| DOMINION FINANCIAL SERVICES, LLC | 5 | Under 10 loans | Under 10 loans | 0.0% |
| Barrington Bank & Trust Company, National Association | 5 | Under 10 loans | Under 10 loans | 0.0% |
| Genesis Capital, LLC | 5 | Under 10 loans | Under 10 loans | 0.0% |
| Citadel Servicing Corporation | 5 | Under 10 loans | Under 10 loans | 0.0% |
| The Twin Valley Bank | 5 | Under 10 loans | Under 10 loans | 0.0% |
| Greenville Federal | 5 | Under 10 loans | Under 10 loans | 0.0% |
| SUN WEST MORTGAGE COMPANY, INC. | 5 | Under 10 loans | Under 10 loans | 0.0% |
| LENDINGONE, LLC | 4 | Under 10 loans | Under 10 loans | 50.0% |
| GREENSTATE Credit Union | 4 | Under 10 loans | Under 10 loans | 53.3% |
| RiverHills Bank | 4 | Under 10 loans | Under 10 loans | 42.9% |
| LENOX FINANCIAL MORTGAGE CORPORATION, Sage Home Loans Corporation | 4 | Under 10 loans | Under 10 loans | 0.0% |
| HOMEXPRESS MORTGAGE CORP. | 4 | Under 10 loans | Under 10 loans | 55.6% |
| UIF CORPORATION | 4 | Under 10 loans | Under 10 loans | 20.0% |
| GOLD STAR MORTGAGE FINANCIAL GROUP, CORPORATION | 4 | Under 10 loans | Under 10 loans | 20.0% |
| The Federal Savings Bank | 4 | Under 10 loans | Under 10 loans | 33.3% |
| VELOCITY COMMERCIAL CAPITAL, LLC | 4 | Under 10 loans | Under 10 loans | 0.0% |
| First Federal Bank | 4 | Under 10 loans | Under 10 loans | 0.0% |
| AMERICAN FINANCING CORPORATION | 4 | Under 10 loans | Under 10 loans | 0.0% |
| CREDIT UNION MORTGAGE ASSOCIATION, INC. | 4 | Under 10 loans | Under 10 loans | 0.0% |
| GENERAL ELECTRIC CREDIT UNION | 4 | Under 10 loans | Under 10 loans | 0.0% |
| STOCKTON MORTGAGE CORPORATION | 4 | Under 10 loans | Under 10 loans | 0.0% |
| LIMA ONE CAPITAL, LLC | 4 | Under 10 loans | Under 10 loans | 0.0% |
| The Merchants National Bank | 4 | Under 10 loans | Under 10 loans | 0.0% |
| Luminate Home Loans, Inc. | 4 | Under 10 loans | Under 10 loans | 0.0% |
| EMM LOANS LLC | 4 | Under 10 loans | Under 10 loans | 0.0% |
| PIKE CREEK MORTGAGE SERVICES, INC. | 4 | Under 10 loans | Under 10 loans | 0.0% |
| SIBCY CLINE MORTGAGE SERVICES, INC. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Truist Bank | 3 | Under 10 loans | Under 10 loans | 0.0% |
| MORTGAGE SOLUTIONS OF COLORADO, LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| RESICENTRAL, LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| MYCUMORTGAGE, LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Luminate Bank | 3 | Under 10 loans | Under 10 loans | 0.0% |
| BoxCar Mortgage, LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Home Mortgage Alliance Corporation (HMAC) | 3 | Under 10 loans | Under 10 loans | 0.0% |
| General Mortgage Capital Corporation | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Stock Yards Bank & Trust Company | 3 | Under 10 loans | Under 10 loans | 0.0% |
| RIVER VALLEY CREDIT UNION, INC. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| BARINGS MULTIFAMILY CAPITAL LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| MORTGAGE 1 INCORPORATED | 3 | Under 10 loans | Under 10 loans | 0.0% |
| The Ohio Valley Bank Company | 3 | Under 10 loans | Under 10 loans | 0.0% |
| BRIDGE CREDIT UNION, INC. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| GUIDANCE RESIDENTIAL, LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| CONSTRUCTIVE LOANS, LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| BOKF, National Association | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Manufacturers and Traders Trust Company | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Zippy Loans, LLC | 2 | Under 10 loans | Under 10 loans | 50.0% |
| LENDSURE MORTGAGE CORP. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| ARC HOME LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Liberty Savings Bank, F.S.B. | 2 | Under 10 loans | Under 10 loans | 33.3% |
| KIND LENDING, LLC | 2 | Under 10 loans | Under 10 loans | 33.3% |
| FIRSTTRUST HOME LOANS, INC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| SUPERIOR CREDIT UNION, INC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| First National Bank Texas | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Leader Bank, National Association | 2 | Under 10 loans | Under 10 loans | 33.3% |
| Morgan Stanley Private Bank, National Association | 2 | Under 10 loans | Under 10 loans | 0.0% |
| UBS Bank USA | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Valley Central Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| NATIONS DIRECT MORTGAGE, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| TOWNE MORTGAGE COMPANY | 2 | Under 10 loans | Under 10 loans | 33.3% |
| Hometown Equity Mortgage, LLC | 2 | Under 10 loans | Under 10 loans | 33.3% |
| The State Bank and Trust Company | 2 | Under 10 loans | Under 10 loans | 33.3% |
| Bank Five Nine | 2 | Under 10 loans | Under 10 loans | 0.0% |
| AMERIHOME MORTGAGE COMPANY, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| AML FUNDING LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Peoples Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| SOUTHWEST FUNDING, LP | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Armed Forces Bank, National Association | 2 | Under 10 loans | Under 10 loans | 0.0% |
| AMERITRUST MORTGAGE CORPORATION | 2 | Under 10 loans | Under 10 loans | 0.0% |
| First Federal Savings and Loan Association of Lakewood | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Thumb Bank and Trust | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Air Academy Federal Credit Union | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Somerville Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| The Citizens National Bank of Bluffton | 2 | Under 10 loans | Under 10 loans | 0.0% |
| HIGHLANDS RESIDENTIAL MORTGAGE, LTD. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| CONTOUR MORTGAGE CORPORATION | 2 | Under 10 loans | Under 10 loans | 0.0% |
| NexBank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Magnolia Bank, Incorporated | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Baxter Credit Union | 2 | 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 169 lenders each made 2 or fewer mortgages here, and are counted in the totals above.
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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. 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.