We are a Federally chartered community bank headquartered out of Cincinnati in 1904. We specialize in residential and commercial lending portfolio products not widely offered by most lenders. If you have a client who has equity in their REO holdings and wants to purchase another investment, we can provide a blanket loan that uses the equity in the current home or property(s) plus the equity in the property they are buying. Common sense underwriting, not the guidelines imposed by Agencies. I have over 33 years of retail mortgage lending experience ; serving clients from Ohio and other states where I am licensed to do business.

I was a salaried financial manager of a large metropolitan city's Jobs Training Act program, but hit the proverbial salary ceiling. Owner and friend of mine owned a large mortgage lending company and convinced me that mortgage banking and helping people achieve the American Dream of Home ownership was better.