Showing results near Covington
We don't have mortgage brokers listed specifically in Covington yet — these top-rated pros from Cincinnati serve your area and are available for calls and quotes today.
4.5+ Stars · Covington
Highly Rated Mortgage Brokers in Covington, KY
Only the best make this list. These mortgage brokers in Covington have earned 4.5+ star ratings from real customers — consistently.
As of July 2026, RatingsNearMe ranks 20 mortgage brokers in Covington, KY 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: Justin Allen - Union Home Mortgage and Vincent DeRisi Home Loans - Union Home Mortgage. The average rating across all listed mortgage brokers in Covington is 4.9 stars from 139 reviews per business on average.
Mortgage brokers in Covington: broker fee typically 1–2% of loan amount, paid by the lender. No direct cost to most borrowers.
Rankings updated July 4, 2026 · RNM Score = ratings (35%), review volume (30%), sentiment (20%), completeness (10%), availability (5%) · Not paid placement.
Local Market Snapshot
20
Businesses listed
4.9★
Avg rating
139
Avg reviews
Jul 4, 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, USARated 5.0 stars from 93 Google reviews, this Cincinnati mortgage broker is highly trusted.
1111 St Gregory St 6th floor, Cincinnati, OH 45202, USA5.0 stars from over 150 reviews, making them a top-rated Cincinnati mortgage broker.
1111 St Gregory St, Cincinnati, OH 45202, USAMortgage Brokers Rankings in Covington, KY
| # | Business | Rating | Reviews |
|---|---|---|---|
| #1 | Union Home Mortgage - Mount Adams1111 St Gregory St 6th floor, Cincinnati, OH 45202, USA | 4.9★ | 597 |
| #2 | Justin Allen - Union Home Mortgage1111 St Gregory St 6th floor, Cincinnati, OH 45202, USA | 5.0★ | 93 |
| #3 | Vincent DeRisi Home Loans - Union Home Mortgage1111 St Gregory St, Cincinnati, OH 45202, USA | 5.0★ | 158 |
| #4 | Lee Witte - Mortgage Broker2221 Memorial Pkwy, Fort Thomas, KY 41075, USA | 5.0★ | 174 |
| #5 | The Mortgage Exchange - Team Piccola Loans - Mortgage - Michael Piccola - Home Loans114 N Ft Thomas Ave, Fort Thomas, KY 41075, USA | 5.0★ | 97 |
| #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 | Prost Mortgage Group4135 Alexandria Pike SUITE 105, Cold Spring, KY 41076, USA | 5.0★ | 263 |
| #9 | Cohen Mortgage4030 Smith Rd Suite 200, Cincinnati, OH 45209, USA | 5.0★ | 68 |
| #10 | Franklin Financial Group755 Maidstone Ct, Cincinnati, OH 45230, USA | 5.0★ | 180 |
Ranked by verified ratings & review volume · Data from Google Business listings · Updated July 2026
All Mortgage Brokers in Covington
5.0-star rating from 174 Google reviews, reflecting exceptional client satisfaction.
2221 Memorial Pkwy, Fort Thomas, KY 41075, USA
5.0-star rating from nearly 100 Google reviews in Cincinnati.
114 N Ft Thomas Ave, Fort Thomas, KY 41075, USA
Cincinnati mortgage broker with a perfect 5.0-star average from 61 reviews.
4240 Airport Rd Suite 101, Cincinnati, OH 45226, USA
Rated 4.9 stars from over 100 reviews, this Cincinnati mortgage broker is highly trusted.
2753 Observatory Ave, Cincinnati, OH 45208, USA
Cincinnati mortgage broker with a perfect 5.0-star rating from over 260 reviews.
4135 Alexandria Pike SUITE 105, Cold Spring, KY 41076, USA
Rated 5.0 stars from 68 Google reviews by Cincinnati clients.
4030 Smith Rd Suite 200, Cincinnati, OH 45209, USA
Top-rated Cincinnati mortgage broker with a perfect 5.0 rating from 180 reviews.
755 Maidstone Ct, Cincinnati, OH 45230, USA
Exceptional 4.9-star rating from 11 Google reviews for a local mortgage broker.
4357 Harrison Ave FL 2, Cincinnati, OH 45211, USA
4.8 stars from over 100 Google reviews, reflecting exceptional local trust.
7466 Beechmont Ave Unit 420, Cincinnati, OH 45255, USA
Cincinnati's top-rated mortgage broker with a perfect 5.0★ from over 120 reviews.
2126 Evanor Ln, Cincinnati, OH 45244, 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
Trusted by hundreds of Cincinnati clients with an exceptional 4.8-star rating.
7631 Cheviot Rd #2a, Cincinnati, OH 45247, USA
5.0 stars from 99 reviews, reflecting consistently exceptional client experiences.
7875 Montgomery Rd Ste 42, Office 126, Cincinnati, OH 45236, USA
Exceptional 5.0-star rating from 6 Google reviews by past clients in Fairfield.
8044 Montgomery Rd #301, Cincinnati, OH 45236, USA
5.0 stars from 40 Google reviews, reflecting exceptional local client satisfaction.
8044 Montgomery Rd Suite 700, 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
5.0-star rated mortgage broker in Cincinnati with 13 exceptional Google reviews.
4030 Mt Carmel Tobasco Rd Ste #220, Cincinnati, OH 45255, USA
Get Free Quotes
We'll connect you with the top mortgage brokers in Covington, KY.
Mortgage Brokers in Covington, KY — Compared
| # | Business | RNM Score | Rating | Reviews |
|---|---|---|---|---|
| 1 | Union Home Mortgage - Mount Adams | 87/100 | 4.9 ★ | 597 |
| 2 | Justin Allen - Union Home Mortgage | 83/100 | 5.0 ★ | 93 |
| 3 | Vincent DeRisi Home Loans - Union Home Mortgage | 86/100 | 5.0 ★ | 158 |
| 4 | Lee Witte - Mortgage Broker | 86/100 | 5.0 ★ | 174 |
| 5 | The Mortgage Exchange - Team Piccola Loans - Mortgage - Michael Piccola - Home Loans | 83/100 | 5.0 ★ | 97 |
| 6 | All Home Mortgages, LLC | 81/100 | 5.0 ★ | 61 |
| 7 | Zipfel Capital | 82/100 | 4.9 ★ | 107 |
| 8 | Prost Mortgage Group | 88/100 | 5.0 ★ | 263 |
| 9 | Cohen Mortgage | 81/100 | 5.0 ★ | 68 |
| 10 | Franklin Financial Group | 87/100 | 5.0 ★ | 180 |
Ranked by RatingsNearMe Score · ratings (35%), review volume (30%), sentiment (20%), completeness (10%), availability (5%) · July 2026
Get your business on AI — ChatGPT, Perplexity & Google AI
AI assistants increasingly recommend local mortgage brokers straight from RatingsNearMe. Claim your spot in Covington to get featured in AI answers, comparison tables, and “best near me” results — where customers are actually searching now.
Frequently Asked Questions — Mortgage Brokers in Covington
What does a mortgage broker do differently than going directly to a bank in Covington?
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 Covington?
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 KY?
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.
Mortgage Brokers in Nearby Cities
Compare top-rated mortgage brokers in cities near you.
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: July 4, 2026.
More Home Services in Covington
Related Searches
More ways to find mortgage brokers in Covington