9 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.
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.
Best Ohio Mortgage Lenders
Lender | NerdWallet rating | National / regional | Max LTV | Min. credit score | Learn more |
---|---|---|---|---|---|
![]() PNC: NMLS#446303 Learn more at PNC | Best for home equity | National | 85% | 680 | Learn more at PNC |
![]() Rocket Mortgage, LLC: NMLS#3030 Learn more at Rocket Mortgage, LLC | Best for online experience | N/A | N/A | 620 | Learn more at Rocket Mortgage, LLC |
Quicken Loans: NMLS#3030 Learn more at Quicken Loans | Best for refinancing | National | N/A | 620 | Learn more at Quicken Loans |
![]() Fairway Independent Mortgage: NMLS#2289 Learn more at Fairway Independent Mortgage | Best for first-time home buyers | N/A | N/A | 620 | Learn more at Fairway Independent Mortgage |
![]() loanDepot: NMLS#174457 | Best for online experience | N/A | N/A | 620 | Read review |
![]() USAA: NMLS#8722 | Best for first-time home buyers | N/A | N/A | 640 | Read review |
![]() US Bank: NMLS#402761 | Best for home equity | National | 80% | 620 | Read review |
![]() PrimeLending: NMLS#13649 | Best for refinancing | National | N/A | 620 | Read review |
![]() Chase: NMLS#399798 | Best for a traditional bank | N/A | N/A | 620 | Read review |

at PNC
PNC: NMLS#446303

National / regional
NationalMax LTV
85%Min. credit score
680at PNC

at Rocket Mortgage, LLC
Rocket Mortgage, LLC: NMLS#3030

Min. credit score
620Min. down payment
3%at Rocket Mortgage, LLC
at Quicken Loans
Quicken Loans: NMLS#3030
Min. credit score
620National / regional
Nationalat Quicken Loans

at Fairway Independent Mortgage
Fairway Independent Mortgage: NMLS#2289

Min. credit score
620Min. down payment
3%at Fairway Independent Mortgage
loanDepot: NMLS#174457

Min. credit score
620Min. down payment
5%US Bank: NMLS#402761

National / regional
NationalMax LTV
80%Min. credit score
620PrimeLending: NMLS#13649

Min. credit score
620National / regional
NationalChase: NMLS#399798

Min. credit score
620Min. down payment
3%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.
More from NerdWallet Calculate your Ohio mortgage payment Compare Ohio mortgage rates How much home can you afford?
Last updated on January 29, 2021
Methodology
To recap our selections...
NerdWallet's Best Ohio Mortgage Lenders of 2021
- PNC: Best for home equity
- Rocket Mortgage, LLC: Best for online experience
- Quicken Loans: Best for refinancing
- Fairway Independent Mortgage: Best for first-time home buyers
- loanDepot: Best for online experience
- USAA: Best for first-time home buyers
- US Bank: Best for home equity
- PrimeLending: Best for refinancing
- Chase: Best for a traditional bank