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Mortgage Brokers in Cincinnati, OH — Free Estimates
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As of May 2026, RatingsNearMe ranks 20 mortgage brokers in Cincinnati, OH by verified customer ratings and review volume. The highest-rated is Union Home Mortgage - Mount Adams with a 4.9-star rating from 597 verified reviews. Also in the top tier: Prost Mortgage Group and River City Mortgage LLC. The average rating across all listed mortgage brokers in Cincinnati is 4.9 stars from 161 reviews per business on average.
Mortgage brokers in Cincinnati: broker fee typically 1–2% of loan amount, paid by the lender. No direct cost to most borrowers.
Rankings updated May 17, 2026 · Scored by ratings (35%), review volume (30%), sentiment (20%), completeness (10%), availability (5%) · Not paid placement.
Local Market Snapshot
20
Businesses listed
4.9★
Avg rating
161
Avg reviews
May 17, 2026
Last updated
Top Rated Mortgage Brokers
Union Home Mortgage - Mount Adams
1111 St Gregory St 6th floor, Cincinnati, OH 45202, USA
Prost Mortgage Group
4135 Alexandria Pike SUITE 105, Cold Spring, KY 41076, USA
River City Mortgage LLC
4555 Lake Forest Dr Suite 450, Cincinnati, OH 45242, USA
Mortgage Brokers Rankings in Cincinnati, OH
| # | Business | Rating | Reviews |
|---|---|---|---|
| #1 | Union Home Mortgage - Mount Adams1111 St Gregory St 6th floor, Cincinnati, OH 45202, USA | 4.9★ | 597 |
| #2 | Prost Mortgage Group4135 Alexandria Pike SUITE 105, Cold Spring, KY 41076, USA | 5.0★ | 263 |
| #3 | River City Mortgage LLC4555 Lake Forest Dr Suite 450, Cincinnati, OH 45242, USA | 4.7★ | 317 |
| #4 | PrimeLending, A PlainsCapital Company - Cincinnati8044 Montgomery Rd Suite 700 Room 711, Cincinnati, OH 45236, USA | 4.9★ | 208 |
| #5 | Union Home Mortgage - Cincinnati7631 Cheviot Rd #2a, Cincinnati, OH 45247, USA | 4.8★ | 194 |
| #6 | All Home Mortgages, LLC4240 Airport Rd Suite 101, Cincinnati, OH 45226, USA | 5.0★ | 61 |
| #7 | Zipfel Capital2753 Observatory Ave, Cincinnati, OH 45208, USA | 4.9★ | 107 |
| #8 | Franklin Financial Group755 Maidstone Ct, Cincinnati, OH 45230, USA | 5.0★ | 180 |
| #9 | The Mortgage Exchange - Team Piccola Loans - Mortgage - Michael Piccola - Home Loans114 N Ft Thomas Ave, Fort Thomas, KY 41075, USA | 5.0★ | 97 |
| #10 | Superior Mortgage Services, Inc2126 Evanor Ln, Cincinnati, OH 45244, USA | 5.0★ | 120 |
Ranked by verified ratings & review volume · Data from Google Business listings · Updated May 2026
All Mortgage Brokers in Cincinnati
PrimeLending, A PlainsCapital Company - Cincinnati
8044 Montgomery Rd Suite 700 Room 711, Cincinnati, OH 45236, USA
Union Home Mortgage - Cincinnati
7631 Cheviot Rd #2a, Cincinnati, OH 45247, USA
All Home Mortgages, LLC
4240 Airport Rd Suite 101, Cincinnati, OH 45226, USA
Zipfel Capital
2753 Observatory Ave, Cincinnati, OH 45208, USA
Franklin Financial Group
755 Maidstone Ct, Cincinnati, OH 45230, USA
The Mortgage Exchange - Team Piccola Loans - Mortgage - Michael Piccola - Home Loans
114 N Ft Thomas Ave, Fort Thomas, KY 41075, USA
Superior Mortgage Services, Inc
2126 Evanor Ln, Cincinnati, OH 45244, USA
Cohen Mortgage
4030 Smith Rd Suite 200, Cincinnati, OH 45209, USA
Rapid Mortgage Company
7466 Beechmont Ave Unit 420, Cincinnati, OH 45255, USA
PRMG
7265 Kenwood Rd Suite 215, Cincinnati, OH 45236, USA
Justin Allen - Union Home Mortgage
1111 St Gregory St 6th floor, Cincinnati, OH 45202, USA
Lee Witte - Mortgage Broker
2221 Memorial Pkwy, Fort Thomas, KY 41075, USA
Vincent DeRisi Home Loans - Union Home Mortgage
1111 St Gregory St, Cincinnati, OH 45202, USA
Maxelle Mortgage
8044 Montgomery Rd Suite 700, Cincinnati, OH 45236, USA
Churchill Mortgage - Cincinnati
7875 Montgomery Rd Ste 42, Office 126, Cincinnati, OH 45236, USA
Johnathan Barber -- Senior Mortgage Specialist -- OHIO, KENTUCKY, INDIANA, TENNESSEE, SOUTH CAROLINA, ALABAMA, and FLORIDA.
110 Boggs Ln Suite 155, Cincinnati, OH 45246, USA
Rolph Mortgage
4030 Mt Carmel Tobasco Rd Ste #220, Cincinnati, OH 45255, USA
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Frequently Asked Questions — Mortgage Brokers in Cincinnati
What does a mortgage broker do differently than going directly to a bank in Cincinnati?
A broker shops your loan across multiple lenders — banks, credit unions, and non-bank lenders — to find the best rate and terms for your situation. Going to one bank limits you to their products. Brokers are typically paid 1–2% of the loan amount by the lender (disclosed upfront on your Loan Estimate). For buyers who don't fit a standard profile (self-employed, complex income, non-QM situations), a broker's lender access is particularly valuable.
How do I compare mortgage rates in Cincinnati?
Get a Loan Estimate (federally required within 3 business days of application) from at least 3 lenders. Compare APR — not just the interest rate — because APR includes fees and gives you a truer cost comparison. Also compare origination fees, points, and closing costs. On a $350,000 loan, even a 0.25% rate difference costs about $17,000 over 30 years.
What credit score do I need to get a mortgage in OH?
Conventional loans (Fannie/Freddie): 620+ minimum, best rates at 740+. FHA loans: 580+ with 3.5% down, or 500–579 with 10% down. VA loans (veterans): no official minimum, typically 620+ in practice. USDA loans (rural areas): typically 640+. Higher scores unlock meaningfully better rates — even a 20-point difference can save thousands annually.
What is the difference between a mortgage broker and a loan officer?
A loan officer works for one lender (bank, credit union, or mortgage company) and can only offer that lender's products. A broker is independent and accesses dozens of lenders. A bank loan officer may have faster approvals and more streamlined processes for straightforward cases. A broker adds more value for complex income situations, credit challenges, or when rate comparison matters most.
How are the mortgage brokers on this page ranked?
Rankings use a transparent algorithm: star rating (35%), review volume (30%), customer sentiment (20%), profile completeness (10%), and availability (5%). Featured Partner listings have paid for enhanced visibility but must still earn their position through real customer reviews — sponsored listings are clearly labeled.
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How Rankings Work on This Page
Every mortgage brokers on RatingsNearMe is scored transparently: star rating (35%), review volume (30%), customer sentiment (20%), profile completeness (10%), and availability (5%). Businesses labeled exclusive or premium are Featured Partners — they have paid for enhanced visibility but must still rank through real customer reviews. We cap sponsored boosts so bad businesses can never buy the top spot.
Editorial notice: Ratings are based on publicly available data from Google Business listings. Consumers should independently verify licensing, insurance, and credentials before hiring any service provider. Last updated: May 17, 2026.
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