Metro area · OH
Lenders in Cincinnati, OH-KY-IN
94 lenders made 545 multifamily loans in the Cincinnati, OH-KY-IN metro area in 2024 and 2025, $3.4B in all. Cinfed Credit Union made the most, with 52. The typical loan was about $1.3M.
- Evidence
- Multifamily loans placed in the metro area, HMDA
- Data as of
- HMDA 2025
- Page last changed
- November 11, 2026
- Lenders on record
- 94
- HMDA,
- Multifamily loans, 2024-25
- 545
- HMDA,
- Manufactured-home parks excluded
- Dollars
- $3.39B
- HMDA,
- Typical loan
- $1.3M
- HMDA,
Cite this
Source: The Lender Report, Lenders in Cincinnati, OH-KY-IN, https://lender.report/lenders-in/cincinnati-oh-ky-in/, data as of December 31, 2025.
Describe a deal in Cincinnati, OH-KY-IN
This page lists who has made multifamily loans here. Loan Comps shows who has made a loan like yours, with the loans to prove it.
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| Lender | Kind | Based in | Loans | Dollars | 2025 loans | 2024 loans |
|---|---|---|---|---|---|---|
| Cinfed Credit Union multifamily record | Credit union | Cincinnati, OH | 52 | $51.8M | 32 | 20 |
| The Park National Bank multifamily record | Bank | Newark, OH | 37 | $40.3M | 20 | 17 |
| Bellwether Enterprise Real Estate Capital, LLC multifamily record | Non-bank | Cleveland, OH | 32 | $607M | 24 | 8 |
| Stock Yards Bank & Trust Company multifamily record | Bank | Louisville, KY | 22 | $28.6M | 12 | 10 |
| Union Savings Bank multifamily record | Savings | Cincinnati, OH | 20 | $30.3M | 8 | 12 |
| LCNB National Bank multifamily record | Bank | Lebanon, OH | 13 | $36.3M | 4 | 9 |
| Community Trust Bank, Inc. multifamily record | Bank | Pikeville, KY | 13 | $18.6M | 3 | 10 |
| Spring Valley Bank multifamily record | Bank | Wyoming, OH | 13 | $18.3M | 6 | 7 |
| Walker & Dunlop, LLC multifamily record | Non-bank | Bethesda, MD | 12 | $179M | 5 | 7 |
| Forcht Bank, National Association multifamily record | Bank | Lexington, KY | 12 | $23.2M | 3 | 9 |
| First Financial Bank multifamily record | Bank | Cincinnati, OH | 11 | $159M | 7 | 4 |
| Arbor Realty Trust, Inc. multifamily record | Non-bank | Uniondale, NY | 11 | $150M | 7 | 4 |
| Lument Real Estate Capital multifamily record | Non-bank | Columbus, OH | 11 | $128M | 4 | 7 |
| Peoples Exchange Bank multifamily record | Bank | Winchester, KY | 11 | $17.9M | 8 | 3 |
| U.S. Bank National Association multifamily record | Bank | Cincinnati, OH | 11 | $9.36M | 9 | 2 |
| County | Loans | Dollars | Lenders |
|---|---|---|---|
| Hamilton County, OH | 323 | $1.94B | 75 |
| Butler County, OH | 52 | $308M | 26 |
| Kenton County, KY | 44 | $234M | 25 |
| Clermont County, OH | 31 | $289M | 21 |
| Campbell County, KY | 25 | $65.8M | 14 |
| Warren County, OH | 22 | $214M | 20 |
| Boone County, KY | 16 | $148M | 10 |
| Brown County, OH | 5 | $6.00M | 5 |
| Dearborn County, IN | 5 | $23.9M | 4 |
| Grant County, KY | 5 | $18.8M | 3 |
A county is listed for a year only when the public file holds 5 or more multifamily loans there that year.
| Loan size | Loans |
|---|---|
| Under $1M | 240 |
| $1M to $2.5M | 117 |
| $2.5M to $5M | 55 |
| $5M to $10M | 43 |
| $10M or more | 90 |
- Lenders made 545 multifamily loans totaling $3.4B in Cincinnati, OH-KY-IN in 2024 and 2025. HMDA,
- 8 of these loans were made by lenders that have since merged or closed. They are counted in the totals here and appear in no lender's row. HMDA,
- 301 of the loans were made in 2025 and 244 in 2024. HMDA,
- The typical loan in Cincinnati, OH-KY-IN was about $1.3M, with the middle half between $500K and $4.8M. HMDA,
- 240 of the loans were under $1M, and 133 were $5M or more. HMDA,
- Lenders reported a median rate of 6.85% on 443 loans in Cincinnati, OH-KY-IN, with the middle half between 6.45% and 7.50%. HMDA,
- The median term was 10 years. HMDA,
- The median loan to value was 69%. HMDA,
- 44% of the loans were refinancings and 46% were purchases. HMDA,
- Banks and savings institutions made 339 of the loans, credit unions 63, and non-banks 135. HMDA,
- The five most active lenders made 29.9% of the loans. HMDA,
- The three most active lenders were Cinfed Credit Union with 52, The Park National Bank with 37, and Bellwether Enterprise Real Estate Capital, LLC with 32. HMDA,
- 34 of the 94 lenders are based in Ohio. The rest are based elsewhere, most often in Kentucky, Indiana and California. HMDA,
- The most common property size was 5 to 24 units, with 305 loans. HMDA,
- 10 counties in the metro area have loans on record, and Hamilton County, OH has the most, with 323. HMDA,
How this list is defined
- Measure
- Multifamily loans made in the Cincinnati, OH-KY-IN metro area
- Period
- 2024 and 2025
- Formula
- Count, by lender, of HMDA records for multifamily dwellings of 5 or more units placed in the metro area, manufactured-home parks excluded, for each year in which the public file holds 5 or more such loans there.
- Order
- Largest first by loans recorded in the place, then dollars, then name. Payment is not part of the order.
- As of
- 2025
- Source
- HMDA
- Changelog
- : First published, with the data built on this date.
What we don't know
- Whether any of these lenders is taking new loans today.
- What they charge or require beyond the rate and term that HMDA reports.
- Loans on office, retail, industrial or hotel property. HMDA covers dwelling-secured loans only.
A metro area or county is named for a year only when the public file holds 5 or more multifamily loans there that year, so a small place is never exposed by a count.
HMDA covers dwelling-secured loans. Amounts are the midpoints of $10,000 bands, and each loan has a year, never a date.
Lenders that merged or stopped filing are left out.
Source and date appear beside each figure. Banks report balances, not loans made. Loans made come only from HMDA and SBA files. We do not audit filings and can make errors joining them. Report a problem
Figures come from public records and show the source and date beside them. Public records can be late, incomplete or wrong. A past loan does not mean a lender will make the same kind of loan today. Confirm anything important with the lender.