The Lenders Community Survey gathers homeowners feedback and 107 lenders recommendations for Ohio home refinance shopping for a mortgage refinance loan can be complicated and we gathered data to help your choice.
Updated: April 8, 2025
<< Human Powered Recommendations >>
Ohio’s Top Lenders for Home Refinance Loans
Columbus, Cleveland, Cincinnati, Richmond, Toledo, Akron, Dayton, Parma, Lorain, Canton, Hamilton, Online lenders.
Recommendations are gathered from 1,083 local Ohio members who shopped and requested a home refinance mortgage in the past 12 months:
- – Loan Application (0 to 5): How easy it is to apply for the home refinance mortgage loan. How fast can it be done. What’s the amount of information asked. How fast do you get an answer for your loan.
- – Loan Term& Rate (0 to 5): Are you satisfied with the loan rate offered and loan term available? Are you satisfied with the fees or absence of fees?
- – Support & Guidance (0 to 5): Were you happy with the guidance you were offered or requested to make a good decision about your home refinance?
- – Recommendation (yes/no): Do you recommend this lender after going through the process?
More Loan Information for Ohio Homeowners:
Home Refinance Loan Calculator
Loans Comparison Calculator: Heloc, Cash-Out, Home Equity, Renovation.
More Resources for Ohio Homeowners.
Columbus – Mortgage Refinance Lenders
MFP’s Community Lenders Survey most recommended refinance lenders in Columbus’s area are Huntington Bank, First Federal Bank and Consumers Credit Union.
| Lenders | Type | Easy Application | Loan Terms & Rate Satisfaction | Support and Guidance | Recommend |
|---|---|---|---|---|---|
| Huntington Bank | Bank | 4.5 | 4.5 | 4.5 | 94% |
| First Federal Bank | Community Bank | 4.0 | 4.5 | 4.5 | 92% |
| Consumers Credit Union | Credit Union | 4.0 | 4.0 | 4.5 | 90% |
| PNC Bank | Bank | 4.0 | 4.0 | 4.0 | 88% |
| Firefighters Community CU | Credit Union | 3.5 | 4.0 | 4.0 | 85% |
| First Ohio Home Finance | Community Bank | 3.5 | 3.5 | 4.0 | 82% |
| Ohio Savings Bank | Bank | 3.5 | 3.5 | 3.5 | 80% |
| Central Bank | Bank | 3.0 | 3.5 | 3.5 | 78% |
| HSBC Bank | Bank | 3.0 | 3.0 | 3.5 | 75% |
| Fifth Third Bank | Bank | 3.0 | 3.0 | 3.0 | 70% |
Cleveland – Mortgage Refinance Lenders
MFP’s Community Lenders Survey most recommended refinance lenders in Cleveland’s area are Third Federal Savings & Loan, Dollar Bank and Huntington Bank.
| Lenders | Type | Easy Application | Loan Terms & Rate Satisfaction | Support and Guidance | Recommend |
|---|---|---|---|---|---|
| Third Federal Savings & Loan | Bank | 4.5 | 5.0 | 4.5 | 96% |
| Dollar Bank | Bank | 5.0 | 4.5 | 4.5 | 94% |
| Huntington Bank | Bank | 4.5 | 4.5 | 4.0 | 92% |
| First Federal Lakewood | Community Bank | 4.0 | 4.5 | 4.5 | 90% |
| Consumers Credit Union | Credit Union | 4.0 | 4.0 | 4.5 | 88% |
| Westfield Bank | Community Bank | 4.0 | 4.0 | 4.0 | 85% |
| Firefighters Community CU | Credit Union | 3.5 | 4.0 | 4.0 | 83% |
| KeyBank | Bank | 3.5 | 3.5 | 3.5 | 80% |
| Ohio Savings Bank | Bank | 3.0 | 3.5 | 3.5 | 78% |
| Fifth Third Bank | Bank | 3.0 | 3.0 | 3.0 | 75% |
Cincinnati – Mortgage Refinance Lenders
MFP’s Community Lenders Survey most recommended refinance lenders in Cincinnati’s area are Guardian Savings Bank, CrossCountry Mortgage and Stockton Mortgage.
| Lenders | Type | Easy Application | Loan Terms & Rate Satisfaction | Support and Guidance | Recommend |
|---|---|---|---|---|---|
| Superior Credit Union | Credit Union | 4.5 | 4.5 | 4.5 | 95% |
| Huntington Bank | Bank | 4.5 | 4.5 | 4.5 | 93% |
| Fifth Third Bank | Bank | 4.5 | 4.0 | 4.5 | 90% |
| PNC Bank | Bank | 4.0 | 4.5 | 4.0 | 88% |
| U.S. Bank | Bank | 4.0 | 4.0 | 4.5 | 87% |
| First Financial Bank | Community Bank | 4.0 | 4.0 | 4.0 | 85% |
| Guardian Savings Bank | Community Bank | 3.5 | 4.0 | 4.0 | 83% |
| Chase Bank | Bank | 3.5 | 3.5 | 4.0 | 80% |
| KeyBank | Bank | 3.5 | 3.5 | 3.5 | 78% |
| Citizens Bank | Bank | 3.0 | 3.5 | 3.5 | 75% |
Toledo – Mortgage Refinance Lenders
MFP’s Community Lenders Survey most recommended refinance lenders in Toledo’s area are Superior Credit Union, Benchmark Mortgage and GVC Mortgage.
| Lenders | Type | Easy Application | Loan Terms & Rate Satisfaction | Support and Guidance | Recommend |
|---|---|---|---|---|---|
| Huntington Bank | Bank | 4.5 | 4.5 | 4.5 | 93% |
| Fifth Third Bank | Bank | 4.5 | 4.0 | 4.5 | 90% |
| Superior Credit Union | Credit Union | 4.0 | 4.5 | 4.0 | 89% |
| First Federal Bank of the Midwest | Community Bank | 4.0 | 4.0 | 4.5 | 87% |
| GenoaBank | Community Bank | 4.0 | 4.0 | 4.0 | 85% |
| PNC Bank | Bank | 3.5 | 4.0 | 4.0 | 83% |
| Chase Bank | Bank | 3.5 | 3.5 | 4.0 | 80% |
| U.S. Bank | Bank | 3.5 | 3.5 | 3.5 | 78% |
| Citizens Bank | Bank | 3.0 | 3.5 | 3.5 | 75% |
| KeyBank | Bank | 3.0 | 3.0 | 3.5 | 72% |
Akron – Mortgage Refinance Lenders
MFP’s Community Lenders Survey most recommended refinance lenders in Akron’s area are Superior Credit Union, BFG Federal Credit Union and Integrity Federal Credit Union.
| Lenders | Type | Easy Application | Loan Terms & Rate Satisfaction | Support and Guidance | Recommend |
|---|---|---|---|---|---|
| Superior Credit Union | Credit Union | 4.5 | 4.5 | 5.0 | 98% |
| BFG Federal Credit Union | Credit Union | 4.0 | 4.5 | 4.5 | 95% |
| Integrity Federal Credit Union | Credit Union | 3.5 | 4.0 | 4.0 | 90% |
| 7 17 Credit Union | Credit Union | 3.5 | 3.5 | 4.0 | 85% |
| Farmers Bank of Kansas City | Bank | 3.0 | 4.0 | 3.5 | 80% |
| Central Bank | Bank | 3.0 | 3.5 | 3.5 | 75% |
| HSBC Bank | Bank | 3.0 | 3.0 | 3.0 | 70% |
Dayton – Mortgage Refinance Lenders
MFP’s Community Lenders Survey most recommended refinance lenders in Dayton’s area are Union Savings Bank, Third Federal Savings and Loan and Farmers Bank of Kansas City.
| Lenders | Type | Easy Application | Loan Terms & Rate Satisfaction | Support and Guidance | Recommend |
|---|---|---|---|---|---|
| Union Savings Bank | Community Bank | 4.5 | 4.5 | 5.0 | 97% |
| Third Federal Savings and Loan | Bank | 4.0 | 4.5 | 4.5 | 95% |
| Farmers Bank of Kansas City | Bank | 4.0 | 4.0 | 4.0 | 90% |
| Bison State Bank | Community Bank | 3.5 | 4.0 | 4.0 | 88% |
| First Federal Bank | Bank | 3.5 | 3.5 | 4.0 | 85% |
| Wright-Patt Credit Union | Credit Union | 3.5 | 3.5 | 3.5 | 82% |
| Daymet Credit Union | Credit Union | 3.0 | 3.5 | 3.5 | 78% |
| First Financial Bank | Bank | 3.0 | 3.0 | 3.5 | 75% |
| Guardian Savings Bank | Community Bank | 3.0 | 3.0 | 3.0 | 70% |
| Liberty Savings Bank | Community Bank | 2.5 | 3.0 | 3.0 | 65% |
Parma – Mortgage Refinance Lenders
MFP’s Community Lenders Survey most recommended refinance lenders in Parma’s area are KeyBank, Credit Union of Ohio and Farmers Bank of Kansas City.
| Lenders | Type | Easy Application | Loan Terms & Rate Satisfaction | Support and Guidance | Recommend |
|---|---|---|---|---|---|
| KeyBank | Bank | 4.5 | 4.5 | 5.0 | 97% |
| Credit Union of Ohio | Credit Union | 4.0 | 4.5 | 4.5 | 95% |
| Farmers Bank of Kansas City | Bank | 4.0 | 4.0 | 4.0 | 90% |
| Bison State Bank | Community Bank | 3.5 | 4.0 | 4.0 | 88% |
| First Federal Bank | Bank | 3.5 | 3.5 | 4.0 | 85% |
| Central Bank | Bank | 3.5 | 3.5 | 3.5 | 82% |
| HSBC Bank | Bank | 3.0 | 3.5 | 3.5 | 78% |
| FourLeaf Federal Credit Union | Credit Union | 3.0 | 3.0 | 3.5 | 75% |
| New American Funding | Bank | 3.0 | 3.0 | 3.0 | 70% |
| NBKC Bank | Bank | 2.5 | 3.0 | 3.0 | 65% |
Canton – Mortgage Refinance Lenders
MFP’s Community Lenders Survey most recommended refinance lenders in Canton’s area are KeyBank, Huntington Bank and Chase Bank.
| Lenders | Type | Easy Application | Loan Terms & Rate Satisfaction | Support and Guidance | Recommend |
|---|---|---|---|---|---|
| KeyBank | Bank | 4.5 | 4.5 | 5.0 | 97% |
| Huntington Bank | Bank | 4.0 | 4.5 | 4.5 | 95% |
| Chase Bank | Bank | 4.0 | 4.0 | 4.0 | 90% |
| Farmers Bank of Kansas City | Bank | 3.5 | 4.0 | 4.0 | 88% |
| Central Bank | Bank | 3.5 | 3.5 | 4.0 | 85% |
| GVC Mortgage | Bank | 3.5 | 3.5 | 3.5 | 82% |
| HSBC Bank | Bank | 3.0 | 3.5 | 3.5 | 78% |
| FourLeaf Federal Credit Union | Credit Union | 3.0 | 3.0 | 3.5 | 75% |
| New American Funding | Bank | 3.0 | 3.0 | 3.0 | 70% |
| NBKC Bank | Bank | 2.5 | 3.0 | 3.0 | 65% |
Lorain – Mortgage Refinance Lenders
MFP’s Community Lenders Survey most recommended refinance lenders in Lorain’s area are Flagstar Bank, Citizens Bank and Glass City Federal Credit Union.
| Lenders | Type | Easy Application | Loan Terms & Rate Satisfaction | Support and Guidance | Recommend |
|---|---|---|---|---|---|
| Flagstar Bank | Bank | 4.5 | 4.5 | 4.5 | 95% |
| Citizens Bank | Bank | 4.5 | 4.5 | 4.0 | 92% |
| Glass City Federal Credit Union | Credit Union | 4.0 | 4.5 | 4.5 | 90% |
| LorMet Community Credit Union | Credit Union | 4.0 | 4.0 | 4.5 | 88% |
| Northwest Bank | Community Bank | 3.5 | 4.0 | 4.0 | 85% |
| Fifth Third Bank | Bank | 4.0 | 3.5 | 4.0 | 82% |
| Huntington Bank | Bank | 3.5 | 4.0 | 3.5 | 80% |
| First Federal Lakewood | Community Bank | 3.5 | 3.5 | 4.0 | 78% |
| Dollar Bank | Community Bank | 3.0 | 3.5 | 3.5 | 75% |
| Third Federal Savings & Loan | Community Bank | 3.0 | 3.0 | 3.5 | 70% |
Hamilton – Mortgage Refinance Lenders
MFP’s Community Lenders Survey most recommended refinance lenders in Hamilton’s area are KEMBA Financial Credit Union, Fifth Third Bank and Huntington Bank.
| Lenders | Type | Easy Application | Loan Terms & Rate Satisfaction | Support and Guidance | Recommend |
|---|---|---|---|---|---|
| KEMBA Financial Credit Union | Credit Union | 4.5 | 4.5 | 4.5 | 94% |
| Fifth Third Bank | Bank | 4.5 | 4.0 | 4.0 | 90% |
| Huntington Bank | Bank | 4.0 | 4.0 | 4.0 | 88% |
| Central Bank | Community Bank | 4.0 | 3.5 | 4.0 | 85% |
| First Financial Bank | Community Bank | 3.5 | 4.0 | 3.5 | 82% |
| Citizens Bank | Bank | 3.5 | 3.5 | 3.5 | 80% |
| PNC Bank | Bank | 3.5 | 3.5 | 3.0 | 78% |
| Union Savings Bank | Community Bank | 3.0 | 3.5 | 3.5 | 75% |
| First State Bank | Community Bank | 3.0 | 3.0 | 3.5 | 72% |
| Peoples Bank | Community Bank | 3.0 | 3.0 | 3.0 | 70% |
Best Ohio Online Lenders – Mortgage Refinance
MFP’s Community Lenders Survey most recommended online refinance lenders in Ohio are Rocket Mortgage, New American Funding and Bison State Bank.
| Lenders | Loan Amounts | APR Range | Loan Terms | Easy Application | Rate Satisfaction | Support and Guidance | Recommend (%) |
|---|---|---|---|---|---|---|---|
| Rocket Mortgage | Up to $3M | 6.25% – 7.50% | 8-30 years, Conventional, FHA, VA, Jumbo | 5 | 4 | 5 | 95% |
| New American Funding | Up to $2.5M | 6.99% – 7.50% | Conventional, FHA, VA, USDA, Jumbo, ARM | 4 | 4 | 5 | 94% |
| Better Mortgage | Up to $2M | 6.25% – 7.00% | Conventional, FHA, VA, Jumbo | 5 | 4 | 4 | 92% |
| Farmers Bank of Kansas City | Up to $2M | 6.375% – 7.00% | Conventional, VA, Jumbo, ARM, HELOC | 4 | 4 | 4 | 89% |
| Bison State Bank | Up to $1.5M | 6.00% – 6.75% | Conventional, FHA, VA, USDA, Jumbo, ARM | 4 | 5 | 4 | 93% |
| NBKC Bank | Up to $2M | 6.875% – 7.25% | Conventional, FHA, VA, Jumbo, ARM | 4 | 5 | 4 | 90% |
| Tomo Mortgage | Up to $1.5M | 5.875% – 6.50% | Conventional, FHA, VA | 5 | 4 | 4 | 90% |
| Zillow Home Loans | Up to $1.5M | 6.50% – 7.00% | Conventional, FHA, VA | 4 | 4 | 4 | 88% |
| Sage Home Loans | Up to $1.5M | 6.00% – 6.75% | Conventional, FHA, VA | 4 | 5 | 4 | 91% |
| LowRates.com | Up to $1M | 6.25% – 6.75% | Conventional, FHA, VA | 4 | 4 | 3 | 85% |
Related Articles
Home Mortgage Refinance
