8 Best Ohio Mortgage Lenders of 2021
Looking for home loans in Ohio? Here are popular local lenders and standouts for first-time buying, refinance, home equity borrowing and traditional and online service.
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If you’re looking to buy a house in Ohio or refinance your existing mortgage, this is an excellent place to start. Finding a lender that best suits your situation can save you time — and possibly money.
After reviewing the state’s leading home lenders and matching them to the different needs of Ohio residents, we’ve compiled this short list of the Buckeye State’s best.
The national and regional companies in the table have been reviewed by NerdWallet and are among Ohio's top lenders. We've selected some of the strongest in five categories.
Why trust NerdWallet
- 50+ mortgage lenders reviewed and rated by our team of experts.
- 40+ years of combined experience covering mortgages and financial topics.
- Objective, comprehensive star rating system assessing 120+ categories and 5,000+ data points.
- Governed by NerdWallet's strict guidelines for editorial integrity.
Why trust NerdWallet
- 50+ mortgage lenders reviewed and rated by our team of experts.
- 40+ years of combined experience covering mortgages and financial topics.
- Objective, comprehensive star rating system assessing 120+ categories and 5,000+ data points.
- Governed by NerdWallet's strict guidelines for editorial integrity.
8 Best Ohio Mortgage Lenders of 2021
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Lender ▾ ▾ | NerdWallet Rating ▾ ▾ | Min. credit score ▾ ▾ | Min. down payment ▾ ▾ | Learn more |
|---|---|---|---|---|
620 | 1% | Learn more at Rocket Mortgage, LLC | ||
 Fairway Independent Mortgage: NMLS#2289 Learn more at Fairway Independent Mortgage | 620 | 3% | Learn more at Fairway Independent Mortgage | |
 loanDepot: NMLS#174457 Compare More Lenders on NerdWallet | 620 | 3% | Compare More Lenders on NerdWallet | |
 PNC Bank: NMLS#446303 Compare More Lenders on NerdWallet | 600 | 3% | Compare More Lenders on NerdWallet | |
 USAA: NMLS#8722 Compare More Lenders on NerdWallet | N/A | 0% | Compare More Lenders on NerdWallet | |
 U.S. Bank: NMLS#402761 Compare More Lenders on NerdWallet | 660 | N/A | Compare More Lenders on NerdWallet | |
 PrimeLending: NMLS#13649 Compare More Lenders on NerdWallet | 620 | 3% | Compare More Lenders on NerdWallet | |
 Chase: NMLS#399798 Compare More Lenders on NerdWallet | 620 | 3% | Compare More Lenders on NerdWallet |
Local Ohio mortgage lenders
It’s smart to get at least three quotes when shopping mortgage lenders. These local lenders are among those with the highest volume of mortgage sales in Ohio. They have not been reviewed by NerdWallet.
7 Ohio branches in Columbus and on the U.S. 23 corridor.
Jumbo purchase and refinance, and cash-out refinance.
Renovation loans allow $5,000 to $250,000 for repairs.
Offers FHA, USDA, VA and conventional loans, and home equity loans and HELOCs.
Adjustable-rate mortgages offered, and fixed-rate terms ranging from eight to 30 years.
Helps with state down payment assistance bond programs.
Headquartered in Columbus, Ohio.
Fixed-rate and 1/1 and 3/1 adjustable-rate mortgages.
FHA, VA, conventional and jumbo financing.
Products include balloon loans, home equity borrowing, construction, blanket (for development) and lot loans.
Headquarters in Cincinnati with 28 Ohio offices.
Low down payment option if your income is at or below the local median and for homes in underserved areas.
Physicians and dentists may qualify for no down payment and no mortgage insurance.
Has FHA, VA, conventional and jumbo purchase, refinance and construction loans.
Offers home equity loans and credit lines.
Does not sell its mortgages to other mortgage companies but keeps and services them.
Loan officers do not work on commission.
Will beat a lower mortgage rate offer or pay you $1,000.
No private mortgage insurance required with a 15% down payment.
Offers a no-cost 60-day rate lock with a free optional “float down” if rates fall.
Home equity products include a 5/1 ARM, fixed-rate loans and a HELOC.
Bridge loans available.
Headquarters in Cleveland, Ohio.
Last updated on January 29, 2021
Methodology
NerdWallet's star ratings for mortgage lenders are awarded based on our evaluation of the products and services each lender offers to consumers who are actively shopping for the best mortgage. The five key areas we evaluated include the variety of loan types and products offered, online conveniences, online mortgage rate information, and the rate spread and origination fee lenders reported in the latest available Home Mortgage Disclosure Act data. To ensure consistency, our ratings are reviewed by multiple people on the NerdWallet Mortgages team.
NerdWallet's Best Ohio Mortgage Lenders of 2021
- Rocket Mortgage, LLC: Best for online experience
- Fairway Independent Mortgage: Best for first-time home buyers
- loanDepot: Best for online experience
- PNC Bank: Best for home equity
- USAA: Best for first-time home buyers
- U.S. Bank: Best for home equity
- PrimeLending: Best for refinancing
- Chase: Best for a traditional bank
