Verified · Cincinnati
Trusted Mortgage Brokers in Cincinnati, OH
Trust matters when you're inviting a pro into your home or business. These mortgage brokers in Cincinnati have earned it through hundreds of verified reviews.
As of June 2026, RatingsNearMe ranks 20 mortgage brokers in Cincinnati, OH by the RNM Score — a 0–100 rating built from Google ratings, review volume, sentiment, and profile completeness. The top-ranked is Union Home Mortgage - Mount Adams with a 4.9-star rating from 597 Google reviews and an RNM Score of 87/100. 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 June 9, 2026 · RNM Score = ratings (35%), review volume (30%), sentiment (20%), completeness (10%), availability (5%) · Not paid placement.
Mortgage brokers in Cincinnati, Ohio offer a range of home loan services to local consumers. They can help navigate the mortgage process, compare rates and terms from multiple lenders, and assist with loan applications and approvals. Consumers should research brokers' experience, licensing, and customer reviews when selecting a mortgage professional.
- ✓Mortgage brokers in Cincinnati, OH can help consumers find and apply for home loans
- ✓Brokers work with multiple lenders to compare rates and terms on the consumer's behalf
- ✓Consumers should research brokers' qualifications and customer satisfaction when choosing a mortgage professional
Best Overall
Union Home Mortgage - Mount Adams
Union Home Mortgage - Mount Adams stands out as the top-ranked mortgage broker in Cincinnati due to its consistent high-quality service and customer satisfaction.
Most Reviewed
Union Home Mortgage - Mount Adams
A high review count indicates that Union Home Mortgage - Mount Adams has served a large number of satisfied customers in the Cincinnati area.
When choosing a mortgage broker in Cincinnati, consider both the overall ranking and the number of reviews to find a reputable and experienced provider that can best meet your needs.
How to Choose a Mortgage Broker in Cincinnati
What to look for
- • Experienced and knowledgeable about the Cincinnati real estate market
- • Licensed and in good standing with the Ohio Division of Financial Institutions
- • Offers a variety of loan programs to meet your needs
- • Responsive and communicative throughout the process
Questions to ask
- • How long have you been a mortgage broker in the Cincinnati area?
- • What types of loan programs do you offer?
- • Can you provide references from past clients?
- • What is your typical turnaround time for processing loan applications?
Red flags
- ⚠ Unwilling to provide licensing information or proof of insurance
- ⚠ Pressures you to use specific lenders or loan programs
- ⚠ Has a history of complaints or disciplinary actions
- ⚠ Lacks transparency about fees and closing costs
In Ohio, mortgage brokers must be licensed by the Division of Financial Institutions. Be sure to verify the broker's license and check for any disciplinary actions or complaints.
Local Market Snapshot
20
Businesses listed
4.9★
Avg rating
161
Avg reviews
Jun 9, 2026
Last updated
Top Rated Mortgage Brokers
Rated 4.9 stars from nearly 600 Google reviews by Cincinnati clients.
1111 St Gregory St 6th floor, Cincinnati, OH 45202, USACincinnati mortgage broker with a perfect 5.0-star rating from over 260 reviews.
4135 Alexandria Pike SUITE 105, Cold Spring, KY 41076, USA4.7 stars from over 300 Google reviews, reflecting strong local client satisfaction.
4555 Lake Forest Dr Suite 450, Cincinnati, OH 45242, USAMortgage 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 | Vincent DeRisi Home Loans - Union Home Mortgage1111 St Gregory St, Cincinnati, OH 45202, USA | 5.0★ | 158 |
| #5 | Rolph Mortgage4030 Mt Carmel Tobasco Rd Ste #220, Cincinnati, OH 45255, USA | 5.0★ | 13 |
| #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 | The Mortgage Exchange - Team Piccola Loans - Mortgage - Michael Piccola - Home Loans114 N Ft Thomas Ave, Fort Thomas, KY 41075, USA | 5.0★ | 97 |
| #9 | Cohen Mortgage4030 Smith Rd Suite 200, Cincinnati, OH 45209, USA | 5.0★ | 68 |
| #10 | Rapid Mortgage Company7466 Beechmont Ave Unit 420, Cincinnati, OH 45255, USA | 4.8★ | 104 |
Ranked by verified ratings & review volume · Data from Google Business listings · Updated June 2026
All Mortgage Brokers in Cincinnati
5.0 stars from over 150 reviews, making them a top-rated Cincinnati mortgage broker.
1111 St Gregory St, Cincinnati, OH 45202, USA
4030 Mt Carmel Tobasco Rd Ste #220, Cincinnati, OH 45255, USA
4240 Airport Rd Suite 101, Cincinnati, OH 45226, USA
114 N Ft Thomas Ave, Fort Thomas, KY 41075, USA
7466 Beechmont Ave Unit 420, Cincinnati, OH 45255, USA
1111 St Gregory St 6th floor, Cincinnati, OH 45202, USA
8044 Montgomery Rd Suite 700, Cincinnati, OH 45236, USA
7875 Montgomery Rd Ste 42, Office 126, Cincinnati, OH 45236, USA
Cincinnati mortgage broker with a 4.9-star rating from over 200 Google reviews.
8044 Montgomery Rd Suite 700 Room 711, Cincinnati, OH 45236, USA
Trusted by hundreds of Cincinnati clients with an exceptional 4.8-star rating.
7631 Cheviot Rd #2a, Cincinnati, OH 45247, USA
Trusted by 180 clients, this Cincinnati mortgage broker holds a strong 4.6-star rating.
7265 Kenwood Rd Suite 215, Cincinnati, OH 45236, USA
Top-rated Cincinnati mortgage broker with a perfect 5.0 rating from 180 reviews.
755 Maidstone Ct, Cincinnati, OH 45230, USA
5.0-star rating from 174 Google reviews, reflecting exceptional client satisfaction.
2221 Memorial Pkwy, Fort Thomas, KY 41075, USA
Cincinnati's top-rated mortgage broker with a perfect 5.0★ from over 120 reviews.
2126 Evanor Ln, Cincinnati, OH 45244, USA
Cincinnati's top-rated mortgage broker with 4.9 stars from over 150 reviews.
110 Boggs Ln Suite 155, Cincinnati, OH 45246, USA
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Mortgage Brokers in Cincinnati, OH — Compared
| # | Business | RNM Score | Rating | Reviews |
|---|---|---|---|---|
| 1 | Union Home Mortgage - Mount Adams | 87/100 | 4.9 ★ | 597 |
| 2 | Prost Mortgage Group | 88/100 | 5.0 ★ | 263 |
| 3 | River City Mortgage LLC | 83/100 | 4.7 ★ | 317 |
| 4 | Vincent DeRisi Home Loans - Union Home Mortgage | 86/100 | 5.0 ★ | 158 |
| 5 | Rolph Mortgage | 73/100 | 5.0 ★ | 13 |
| 6 | All Home Mortgages, LLC | 81/100 | 5.0 ★ | 61 |
| 7 | Zipfel Capital | 82/100 | 4.9 ★ | 107 |
| 8 | The Mortgage Exchange - Team Piccola Loans - Mortgage - Michael Piccola - Home Loans | 83/100 | 5.0 ★ | 97 |
| 9 | Cohen Mortgage | 81/100 | 5.0 ★ | 68 |
| 10 | Rapid Mortgage Company | 80/100 | 4.8 ★ | 104 |
Ranked by RatingsNearMe Score · ratings (35%), review volume (30%), sentiment (20%), completeness (10%), availability (5%) · June 2026
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: June 9, 2026.
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