These banks all reported apartment loans on their most recent federal call report, and all have at least one branch in Ohio. Banks are the most common source of multifamily financing — five units and up, stabilised or value-add — and most lend close to their branches, so a lender with offices near your building is usually a better first call than a bigger name without them. Expect a bank to want recourse and, usually, a banking relationship; the capital guide compares the alternatives.
Banks Based in Ohio, Largest Multifamily Books First
25 of 113 qualifying banks are headquartered in Ohio. These are the lenders whose whole business is this market.
| # | Institution | Multifamily book | Share of investor CRE | Branches in OH | Contact |
|---|---|---|---|---|---|
| 1 | JPMorgan Chase Bank, National Association | $107.32bn | 64.9% | 234 | Contact available |
| 2 | US Bank | $14.46bn | 34.7% | 161 | Contact available |
| 3 | KeyBank | $5.44bn | 38.5% | 172 | Contact available |
| 4 | Huntington National Bank | $4.88bn | 19.9% | 346 | Contact available |
| 5 | Fifth Third Bank | $4.14bn | 19.2% | 246 | Contact available |
| 6 | National Cooperative Bank | $1.05bn | 81.5% | 1 | Contact available |
| 7 | First Financial Bank (OH) | $809m | 20.7% | 67 | Contact available |
| 8 | Park National Bank | $356m | 12.7% | 77 | Contact available |
| 9 | Civista Bank | $307m | 20.6% | 34 | Contact available |
| 10 | LCNB National Bank | $250m | 30.3% | 35 | Contact available |
| 11 | Farmers National Bank of Canfield | $218m | 15.3% | 66 | Contact available |
| 12 | CFBank | $182m | 24.2% | 5 | Contact available |
| 13 | RiverHills Bank | $161m | 81.4% | 5 | Contact available |
| 14 | The Farmers & Merchants State Bank | $151m | 18.5% | 23 | Contact available |
| 15 | Waterford Bank | $130m | 25.6% | 2 | Contact available |
| 16 | The Union Bank Company | $120m | 34.3% | 15 | Contact available |
| 17 | Union Savings Bank | $115m | 21.9% | 32 | Contact available |
| 18 | The Croghan Colonial Bank | $111m | 20.8% | 19 | Contact available |
| 19 | First Federal Savings and Loan Association of Lakewood | $110m | 30.0% | 21 | Contact available |
| 20 | Ohio Valley Bank | $98m | 25.1% | 11 | Contact available |
| 21 | The State Bank and Trust Company | $91m | 22.7% | 27 | Contact available |
| 22 | Ohio State Bank | $74m | 29.2% | 2 | Contact available |
| 23 | Signature Bank, National Association (Ohio) | $65m | 19.6% | 2 | Contact available |
| 24 | Consumers National Bank | $59m | 27.3% | 23 | Contact available |
| 25 | The Savings Bank | $47m | 44.5% | 6 | Contact available |
National Lenders With Branches in Ohio
25 of 33 qualifying banks are headquartered elsewhere but have offices here. The multifamily figure is their national book, so read it alongside the branch count — a large book behind a handful of local offices is a different proposition from a bank with a branch network in the state.
| # | Institution | Multifamily book | Share of investor CRE | Branches in OH | Contact |
|---|---|---|---|---|---|
| 1 | Flagstar Bank | $26.92bn | 82.2% | 26 | Contact available |
| 2 | PNC Real Estate | $14.98bn | 40.8% | 219 | Contact available |
| 3 | Truist | $8.65bn | 26.0% | 1 | Contact available |
| 4 | Bank of America | $8.46bn | 15.3% | 54 | Contact available |
| 5 | Citizens Bank | $8.04bn | 35.0% | 70 | Contact available |
| 6 | United Bank (Fairfax, VA) | $2.44bn | 20.3% | 1 | Contact available |
| 7 | WesBanco Bank | $1.74bn | 22.5% | 97 | Contact available |
| 8 | The Northern Trust Company | $1.49bn | 27.6% | 1 | Contact available |
| 9 | First National Bank of Pennsylvania | $885m | 10.2% | 29 | Contact available |
| 10 | First Merchants Bank | $767m | 18.5% | 10 | Contact available |
| 11 | S&T Bank | $728m | 20.1% | 3 | Contact available |
| 12 | First Commonwealth Bank | $637m | 22.5% | 30 | Contact available |
| 13 | CNB Bank | $625m | 25.6% | 12 | Contact available |
| 14 | Stock Yards Bank & Trust Company | $547m | 19.3% | 6 | Contact available |
| 15 | German American Bank | $502m | 22.8% | 20 | Contact available |
| 16 | Peoples Bank | $470m | 27.3% | 63 | Contact available |
| 17 | Northwest Bank (Warren, PA) | $466m | 23.8% | 14 | Contact available |
| 18 | Republic Bank | $377m | 26.7% | 4 | Contact available |
| 19 | Dollar Bank | $371m | 15.0% | 28 | Contact available |
| 20 | NEXTIER BANK, NATIONAL ASSOCIATION | $334m | 34.9% | 3 | Contact available |
| 21 | City National Bank of West Virginia (Charleston, WV) | $233m | 17.0% | 3 | Contact available |
| 22 | First Bank Midwest | $208m | 36.4% | 6 | Contact available |
| 23 | Forcht Bank, National Association | $138m | 37.2% | 1 | Contact available |
| 24 | Woodforest National Bank | $115m | 5.5% | 72 | Contact available |
| 25 | BNY Mellon, National Association | $109m | 14.0% | 1 | Contact available |
What this list is, and what it leaves out
A reported balance is not a credit box. Every bank here held apartment loans on 30 June 2026. That is evidence they lend on multifamily — better evidence than a marketing page, because it is what they actually hold — but it is not a commitment to lend on your deal, at your size, in your submarket.
More lenders exist than this page lists. 146 banks qualified in Ohio. Credit unions, debt funds, agency lenders and life companies also finance apartments and none of them file this report, and plenty of banks lend on multifamily without publishing criteria anywhere. Running your deal through the search covers all of them, not just the banks on this page.
We hold a named lending contact for 137 of them.
Sources. FDIC Call Reports (30 June 2026) and the FDIC Summary of Deposits. A bank appears here if it reported a multifamily balance of $5m or more, or multifamily at 5% or more of its commercial real estate book, and has at least one branch in Ohio. The dual test is deliberate: a flat dollar floor is a bank-size filter in disguise — a $25m floor passes 86.5% of banks over $10bn and 2.2% of banks under $300m — and would drop the community lenders most likely to look at a smaller apartment deal. Multifamily is the call report's own category for loans secured by five-or-more-unit residential property; it excludes one-to-four-unit rentals, which banks report separately. Multifamily book is institution-level and unprorated: no state split of the loan book is published, so a bank lending in several states shows its full multifamily book on every state page where it qualifies. That is why this page separates banks based in Ohio from national lenders with branches here, rather than ranking them against each other on a national figure. Branch counts are offices in Ohio from the Summary of Deposits. Contact availability refers to whether Lender Compass holds a named contact, not to anything the bank publishes.