Largest lenders in Hamilton County
| # | Lender | Grade | Applications | Originated | Denial rate | Median rate |
|---|---|---|---|---|---|---|
| 1 | Fifth Third Bank | D | 2,888 | 1,606 | 25.9% | 7.50% |
| 2 | The Huntington National Bank | D | 1,478 | 838 | 27.4% | 7.07% |
| 3 | United Shore Financial Services | B | 1,268 | 946 | 10.9% | 6.50% |
| 4 | Union Savings Bank | A | 1,170 | 961 | 4.7% | 6.75% |
| 5 | Rocket Mortgage | C | 1,169 | 829 | 16.7% | 6.63% |
| 6 | U.S. Bank | D | 1,140 | 527 | 36.5% | 7.60% |
| 7 | PNC Bank | D | 1,059 | 629 | 23.5% | 7.00% |
| 8 | First Financial Bank | D | 855 | 532 | 27.0% | 5.99% |
| 9 | Third Federal Savings and Loan Association of Cleveland | C | 802 | 527 | 19.5% | 6.75% |
| 10 | Crosscountry Mortgage | B | 800 | 558 | 3.6% | 6.71% |
| 11 | Union Home Mortgage | B | 562 | 417 | 5.0% | 6.75% |
| 12 | Guardian Savings Bank | B | 517 | 377 | 12.8% | 6.75% |
| 13 | General Electric Credit Union | A | 495 | 311 | 14.1% | 5.99% |
| 14 | Guaranteed Rate | B | 423 | 254 | 3.8% | 6.63% |
| 15 | Newrez | D | 417 | 172 | 17.0% | 6.75% |
| 16 | Kiavi Funding | D | 416 | 216 | 2.9% | 7.63% |
| 17 | Kemba Credit Union | C | 411 | 279 | 20.2% | 7.25% |
| 18 | CINFED Federal Credit Union | C | 393 | 276 | 9.2% | 7.00% |
| 19 | The North Side Bank & Trust | A | 389 | 312 | 11.6% | 7.00% |
| 20 | First Community Mortgage | A | 371 | 278 | 3.2% | 6.75% |
| 21 | Pennymac Loan Services | C | 361 | 164 | 12.5% | 6.50% |
| 22 | Freedom Mortgage | B | 341 | 147 | 8.8% | 6.25% |
| 23 | JPMorgan Chase Bank | B | 332 | 194 | 9.6% | 6.50% |
| 24 | Guaranteed Rate Affinity | A | 329 | 209 | 6.4% | 6.63% |
| 25 | Mortgage Research Center | C | 306 | 144 | 14.7% | 6.25% |
Best approval odds in Hamilton County
Lowest decision denial rate among lenders that decided at least 50 applications here in 2025.
| # | Lender | Decided | Decision denial rate |
|---|---|---|---|
| 1 | Bayshore Mortgage Funding | 58 | 0.0% |
| 2 | Cincinnati Ohio Police | 79 | 0.0% |
| 3 | Dominion Financial Services | 82 | 0.0% |
| 4 | Mm Lending | 119 | 0.0% |
| 5 | Rapid Mortgage | 88 | 1.1% |
| 6 | DAS Acquisition Company | 71 | 1.4% |
| 7 | American Neighborhood Mortgage Acceptance Company | 183 | 2.7% |
| 8 | Polaris Home Funding | 66 | 3.0% |
| 9 | Coastal Community Bank | 165 | 3.0% |
| 10 | American Financial Resources | 107 | 3.7% |
What Hamilton County borrowers applied for
By loan purpose
By loan type
Why applications were denied
Hamilton County by year
| Year | Applications | Originated | Denial rate | Median rate | Median loan |
|---|---|---|---|---|---|
| 2023 | 25,815 | 15,722 | 18.6% | 6.99% | $155,000 |
| 2024 | 28,949 | 17,218 | 18.4% | 7.00% | $165,000 |
| 2025 | 31,885 | 19,310 | 16.4% | 6.75% | $185,000 |
Frequently asked questions
16.4% of applications in Hamilton County were denied in 2025, against 17.7% statewide in Ohio.
Fifth Third Bank, with 2,888 applications in 2025 and a denial rate of 25.9%.
The median mortgage application in Hamilton County in 2025 was for $185,000; the median property value on originated loans was $305,000.