Expertise.com
2024

Last updated:

Best Mortgage Brokers in Cincinnati

Our Recommended Top 16

We did the research for you!

  • Licensing
  • User Reviews
  • Mystery Shopping Calls

Our goal is to connect people with the best local professionals. We scored Cincinnati Mortgage Brokers on more than 25 variables across five categories, and analyzed the results to give you a hand-picked list of the best.

96

Reviewed

64

Curated

16

Top Picks

Learn about our selection process.

Providers

featured provider = Featured Provider

Website
4030 Mount Carmel Tobasco Road, Cincinnati, OH 45255
  • Multi-Family Loans
  • New Construction
  • Purchase
  • Refinance

Why choose this provider?

Rolph Mortgage - Cincinnati addresses the real estate needs of people in the metro. Its team helps individuals and families acquire their dream investment spaces through its wide selection of mortgage products. The company handles single- and multi-family homes, townhouses, condominiums, and manufactured homes. It processes VA, USDA, FHA, conventional, non-QM, and investor loans. Rolph Mortgage also caters to clients seeking refinancing solutions to consolidate their debts, lower their interest rates, and change their loan terms.

License Verified:

License: 1700464

Nationwide Multistate Licensing System and Registry

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
5.0
Google
5.0 / 5 (13)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail

Website
1095 Nimitzview Dr, Suite 203, Cincinnati, OH 45230

Why choose this provider?

Jeff Aubrey is a branch manager of Thrive Mortgage. For more than 25 years, the mortgage broker has been helping families secure their dream homes with a range of loan options. He assists in obtaining loans for purchasing, refinancing, and renovation purposes, including FHA, VA, and USDA programs. His office also arranges jumbo loans and reverse mortgages. Jeff Aubrey caters to clients in Cincinnati and the neighboring communities. Before joining Thrive, he was with the American Mortgage Service Company.

License Verified:

License: 718102

Nationwide Multistate Licensing System and Registry

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
5.0
Zillow
5.0 / 5 (920)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail

Website
4240 Airport Road, Cincinnati, OH 45226
  • Refinance
  • Reverse Mortgages

Why choose this provider?

All Home Mortgages, LLC, is a company in Cincinnati that helps clients through the process of home buying and mortgage refinancing. Its loan options include 15-year fixed-rate mortgage, 30-year fixed-rate mortgage, jumbo loans, VA home loans, USDA home loans, and FHA home loans. Owner and president of All Home Mortgages Seth Stefanko has been a resident of Cincinnati for many years. He currently lives in Anderson Township with his wife, Victoria, and their three children.

License Verified:

License: 1714399

Nationwide Multistate Licensing System and Registry

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
1.3
Facebook
4.5 / 5 (9)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail

Website
3440 Edwards Road, Cincinnati, OH 45208
  • New Construction
  • Refinance
  • Commercial Loans

Why choose this provider?

Zipfel Capital caters to residential and commercial clients in Cincinnati. The firm has established relationships with multiple known lenders, allowing clients access to a variety of financing solutions including jumbo loans, fixed and adjustable rates, and HELOC. With a focus on personalized service, borrowers are partnered with one broker who will guide them from pre-qualifications to closing. Since its inception in 2006, Zipfel Capital has originated over $1.2 billion in home loans and $250 million in commercial funding.

License Verified:

License: 60903

Nationwide Multistate Licensing System and Registry

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.9
Google
4.9 / 5 (91)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail

Website
2126 Evanor Lane, Cincinnati, OH 45244
  • Refinance

Why choose this provider?

Superior Mortgage Services, Inc. is a Cincinatti mortgage brokerage group specializing in simple and straightforward mortgage processing. The company advises clients based on their unique situation, whether they need first-time home loans, debt consolidation, or refinancing. Its products include conventional loans, VA loans, FHA loans, USDA loans, and Jumbo Loans. It also offers FHA 203k loans and has access to the HARP 2.0 program, which allows clients with more than 80% loan-to-value ratio to refinance without the need to pay mortgage insurance.

License Verified:

License: 1629

Nationwide Multistate Licensing System and Registry

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
1.3
Facebook
5.0 / 5 (8)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail

Website
200 Techne Center Drive, Milford, OH 45150
  • New Construction
  • Refinance

Why choose this provider?

1st Bancorp Mortgage

License Verified:

License: 200404

Nationwide Multistate Licensing System and Registry

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
5.0

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail

Website
130 Tri County Parkway, Cincinnati, OH 45246

Why choose this provider?

Johnathan Barber is a home loan professional affiliated with Pacific Residential Mortgage. Whether clients are refinancing, purchasing, or investing, Johnathan helps them select from numerous programs, covering USDA, FHA, VA, and conventional loans. The Ohio Bond Loan specialist, who has more than 19 years of industry experience, has been recognized in 2015 as a Five Star Mortgage Specialist by Cincinnati Business Magazine. He has been featured in other publications as well, including the Kiplinger Finance Magazine and the Cincinnati Defender Magazine.

License Verified:

License: 240526

Nationwide Multistate Licensing System and Registry

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
5.0
Google
5.0 / 5 (116)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail

Website
2718 Observatory Avenue, Cincinnati, OH 45208
  • Refinance

Why choose this provider?

PrimeLending has been offering adjustable-rate mortgages, conventional, FHA, VA, USDA and jumbo home loans, and new construction and renovation loans to individuals in Cincinnati for over 30 years. Ryan Kiefer is a branch manager in PrimeLending and a veteran in the mortgage business. He has appeared on Lifetime’s Designing Spaces as a home renovation loan expert, CBS's Cincy’s Hottest Properties, and CNBC's Financing the American Dream. Ryan and his team have also been commended by previous clients for being professional and helpful.

License Verified:

License: 13649

Nationwide Multistate Licensing System and Registry

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.0
Google
4.0 / 5 (88)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail

Website
3530 Edwards Road, Cincinnati, OH 45208
  • Refinance
  • Purchase Transactions

Why choose this provider?

Mortgage House of America is a mortgage financing company in Cincinnati that offers residential financing solutions and mortgage options to clients in the metro. The firm is composed of licensed mortgage brokers and advisors with over 50 years of combined industry experience. Some of its loan and mortgage programs include fixed and adjustable-rate mortgages, home equity line of credit (HELOC), balloon loans, government loans, and relocation loans. Mortgage House of America was established in 1998 and serves nearby communities in Ohio and northern Kentucky.

License Verified:

License: 1713

Nationwide Multistate Licensing System and Registry

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
7.7
Google
4.0 / 5 (8)
Yelp
3.5 / 5 (3)
Facebook
50.0 / 5 (1)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
2.8
Responsiveness
Friendliness
Helpfulness
Detail
––

Website
4015 Executive Park Drive #215, Cincinnati, OH 45241
  • Refinance

Why choose this provider?

First Union Mortgage Group, LLC offers financial assistance in Cincinnati. Its line of expertise revolves around consolidating debt, home refinancing, or first-time home buyers. The company's loan program includes construction loans, FHA mortgage loans, adjustable-rate mortgages, and home equity loans. First Union Mortgage Group, LLC also offers refinance mortgage loans which helps decrease the interest rate, pay off the original mortgage loan, helps the client in switching from an ARM to an FRM, and reduces the loan term.

License Verified:

License: 1846274

Nationwide Multistate Licensing System and Registry

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
5.0
Zillow
5.0 / 5 (5)
Facebook
5.0 / 5 (2)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail

Website
11427 Reed Hartman Highway, Cincinnati, OH 45241
  • Refinance

Why choose this provider?

ENG Lending is a mortgage broker that services residents in Cincinnati. As a division of Bank of England, the company has been guiding clients in finding the right loan option for their unique needs. Its team of brokers is well-versed in handling various types of loans such as FHA, VA, refinance, jumbo, fixed-rate, and adjustable rate. The business is led by Jeff Cost who specializes in complex transactions and credit challenges for the residential market.

License Verified:

License: 21688

Nationwide Multistate Licensing System and Registry

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail

Website
110 Boggs Lane, Cincinnati, OH 45246
  • New Construction
  • Refinance
  • Commercial Loans

Why choose this provider?

Mid-American Financial Group helps the residents of Cincinnati find suitable loan programs. The mortgage broker handles commercial and residential mortgage needs and provides a range of options, such as reverse mortgages, jumbo loans, cash-outs, loan modifications, and refinancing. Mid-American Financial Group also aims to develop trusted relationships, the kind that an educational and consultative approach creates. Founder and president Duy Vu is a certified residential mortgage specialist with over 18 years of mortgage industry experience. His licenses cover Florida and Indiana.

License Verified:

License: 2478

Nationwide Multistate Licensing System and Registry

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.9
Google
4.9 / 5 (26)
Facebook
5.0 / 5 (10)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail

Website
8859 Brookside Avenue, West Chester, OH 45069
  • Refinance
  • Reverse Mortgages

Why choose this provider?

The Mortgage Network of Ohio serves Cincinnati and the surrounding areas. Incorporated in 1999, the firm specializes in mortgages for refinancing and property purchases. It also provides client education and assistance in processing mortgage applications. The firm works with a network of lenders and offers a variety of programs, including debt consolidation, new purchase mortgage, home improvement loans, and refinancing. Reverse mortgage, as well as FHA and VA loans, are also available. Owner Jeff Steinacker also works as a Realtor and has been in the industry since 2004.

License Verified:

License: 1742

Nationwide Multistate Licensing System and Registry

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail

Website
6511 West Chester Road, West Chester, OH 45069
  • Refinance

Why choose this provider?

Plum Tree Home Mortgage helps families in Cincinnati buy their own homes or have lower monthly payments through various home purchase and refinancing programs. This full-service mortgage company in West Chester offers mortgage rate options such as fixed-rate mortgages, interest-only mortgages, adjustable ARM, and graduated payment mortgages. Its loan program options include jumbo loans, FHA home loans, USDA loans, and VA loans. Its website has self-help tools such as interactive calculators as well as downloadable and printable mortgage application forms.

License Verified:

License: 1790986

Nationwide Multistate Licensing System and Registry

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
5.0
Facebook
5.0 / 5 (1)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail

Website
7870 East Kemper Road, Cincinnati, OH 45249
  • Refinance

Why choose this provider?

Rapid Mortgage Company is a local mortgage lending company serving Cincinnati. It offers a wide variety of loan products for seasoned veterans, first-time homebuyers, A+ creditors, and any borrowers in need of credit assistance. Some of its loan programs include FHA, VA, Conventional, and USDA Rural Development loans. With a mission to treat customers with care and urgency, its team of loan officers is available to pre-qualify and close documents even on weekends.

License Verified:

License: 126841

Nationwide Multistate Licensing System and Registry

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
5.0
Zillow
5.0 / 5 (299)
Google
4.8 / 5 (71)
Yelp
4.5 / 5 (3)

(+1 additional source)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
3.8
Responsiveness
Friendliness
Helpfulness
Detail
––

Website
73 Cavalier Boulevard, Florence, KY 41042
  • Refinance

Why choose this provider?

Entrust Mortgage LLC serves Cincinnati clients through its various mortgage products such as FHA, VA, conventional, and jumbo loans. The company can also collaborate with clients to refinance their current mortgages in order to reduce the interest rate, consolidate debts, and acquire cash equity. Moreover, its website contains resources that serve to educate and guide clients through mortgage-related matters, ranging from a glossary of mortgage terms to a list of documents needed to apply for various loan programs.

License Verified:

License: 1563530

Nationwide Multistate Licensing System and Registry

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
5.0
Google
5.0 / 5 (17)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail

Frequently Asked Questions

  • Introduction

    It’s the American dream to buy property, and almost everyone who purchases a home does so with the help of a mortgage broker. It can be intimidating when you don’t know where to begin, what information is necessary, and how to receive a loan. A mortgage broker acts as an intermediary between the applicant and the financial institution.


    The mortgage broker’s role includes comparing loan terms across lenders to find applicants the best options, collecting paperwork the financial institution needs to analyze the application, and guiding the buyer through the underwriting and closing processes. Mortgage brokers can significantly simplify the home buying process.

  • Can mortgage brokers work across state lines?

    Yes, mortgage brokers can work across state lines. However, each state has different licensing requirements for mortgage brokers. Customers should ensure their broker can legally work in another state before going across state lines. Lastly, don’t forget the mortgage process is often time-sensitive, so being in different time zones can be problematic.

  • How do mortgage brokers find lenders?

    Mortgage brokers work independently and act as a bridge between the client and the lender. They reach out to several lenders to form a network and build professional relationships with those they work with often. They use lenders who best meet a client's rates and terms, and some lenders only do business through mortgage brokers.  

  • What credit score do mortgage brokers use?

    There are two credit scoring models in the United States: FICO and VantageScore. Mortgage lenders typically prefer to use FICO. However, each credit bureau uses a different version of the FICO score:

    • Experian uses FICO Score 2
    • Equifax uses FICO Score 5
    • TransUnion uses FICO Score 4

  • Do mortgage brokers help with refinancing?

    Yes, mortgage brokers can help with refinancing. Individuals who have a solid credit score will typically go to their bank to refinance their mortgage. However, if you don't have excellent credit, a mortgage broker may be able to secure you a better interest rate than you could get on your own.

    You pay a fee to the mortgage broker, so you'll want to consider this fee versus your savings in your cost-benefit analysis.
  • Can you work with two mortgage brokers?

    You can definitely work with two mortgage brokers. The advantage of using multiple brokers is that you'll have two people reaching out to several lenders to secure the best rate possible. However, you must ensure you provide matching information to all your brokers. If two brokers provide mismatched information about your application to the same lender, it can send off red flags and delay your approval process.

  • Do mortgage brokers get better deals?

    Yes, a mortgage broker should be able to get you a better deal. Mortgage brokers go to several lenders on your behalf and find the one with the best terms and interest rates. However, note that some mortgage brokers have preferred lenders. A broker may bring you their preferred lender's offer, even if it's not the best one; however, this isn't a regular practice.