The Best Mortgage Lenders of 2023

Compare America's Top Mortgage Providers

List updated March 2025
114,624 Real Customer Reviews
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Home Loans Companies in Ohio

List updated March 2025
1
Consumers Top Pick
A+ Best Rating
9.8

Better Penny score

Quicken Loans
Largest Online Mortgage Lender
  • Offers Verified Approvals
  • High Customer Satisfaction
  • 24/7 Online Mortgage Services
  • Wide Range of Loan Options
VIEW RATES
20158 Reviews
Trustpilot
4.5 of 5.0
TrustPilot Score

Based on 20158 User Reviews

High
Consumer Interest

Based on the past 7 days

Excellent
Products and Services

Better Penny Review Score

20158 Reviews
Trustpilot
2
9.6

Better Penny score

LendingTree
Compare Rates From Multiple Lenders
  • Low Fixed Mortgage Rates
  • Fast & Easy Online Process
  • Cash-out Refinance Available
  • 24/7 Customer Support
VIEW RATES
14439 Reviews
Trustpilot
4.3 of 5.0
TrustPilot Score

Based on 14439 User Reviews

High
Consumer Interest

Based on the past 7 days

Excellent
Products and Services

Better Penny Review Score

14439 Reviews
Trustpilot
3
9.2

Better Penny score

AmeriSave
Get Custom Quotes in Minutes
  • Certified Pre-Approval Process
  • Will Not Affect Your Credit
  • 24/7 Easy Online Application
  • Get Rates in Just Minutes!
VIEW RATES
14611 Reviews
Trustpilot
4.6 of 5.0
TrustPilot Score

Based on 14611 User Reviews

Good
Consumer Interest

Based on the past 7 days

Great
Products and Services

Better Penny Review Score

14611 Reviews
Trustpilot
4
8.8

Better Penny score

Veterans United
Helping Veterans Become Homeowners
  • 100% Financing for Qualified Veterans
  • Competitively Low Rates and No PMI
  • 24/7 Customer Support
  • Over 280,000 5-star reviews
VIEW RATES
11864 Reviews
Trustpilot
4.9 of 5.0
TrustPilot Score

Based on 11864 User Reviews

Good
Consumer Interest

Based on the past 7 days

Great
Products and Services

Better Penny Review Score

11864 Reviews
Trustpilot
5
8.4

Better Penny score

Better
Top Rated Lender: No Fees/Commissions
  • Pre Approval Takes Minutes
  • 24/7 Customer Service
  • Forbes Best Mortgage Lender
  • Easy Online Application
VIEW RATES
1827 Reviews
Trustpilot
4.3 of 5.0
TrustPilot Score

Based on 1827 User Reviews

Average
Consumer Interest

Based on the past 7 days

Good
Products and Services

Better Penny Review Score

1827 Reviews
Trustpilot
6
8.4

Better Penny score

Rocket Mortgage
Fast Mortgage Loan Process
  • Award-Winning Client Service
  • JD Power Satisfaction Award
  • Easy Online Application Process
  • 24/7 Customer Service Center
VIEW RATES
36060 Reviews
Trustpilot
4.7 of 5.0
TrustPilot Score

Based on 36060 User Reviews

Average
Consumer Interest

Based on the past 7 days

Good
Products and Services

Better Penny Review Score

36060 Reviews
Trustpilot
7
8.3

Better Penny score

LoanDepot
Offers Competitive Mortgage Rates
  • 275 Billion Loans Funded
  • 179 Billion Mortgages Refinanced
  • 96 Billion New Home Purchases
  • 200 Locations Nationwide
VIEW RATES
4268 Reviews
Trustpilot
4.0 of 5.0
TrustPilot Score

Based on 4268 User Reviews

Average
Consumer Interest

Based on the past 7 days

Good
Products and Services

Better Penny Review Score

4268 Reviews
Trustpilot
8
8.2

Better Penny score

New American Funding
Offers Large Variety of Loan Options
  • 100% Online Application
  • A+ Better Business Bureau Rating
  • Large Variety of Options
  • 24/7 Customer Service Center
VIEW RATES
1001 Reviews
Trustpilot
4.7 of 5.0
TrustPilot Score

Based on 1001 User Reviews

Average
Consumer Interest

Based on the past 7 days

Good
Products and Services

Better Penny Review Score

1001 Reviews
Trustpilot
9
7.1

Better Penny score

BankRate
Compare The Best Mortgage Loan Options
  • Compare 15/30 Year Rates
  • No Personal Details Required
  • Compare Multiple Lenders
  • Choose From Top Providers
VIEW RATES
1050 Reviews
Trustpilot
2.5 of 5.0
TrustPilot Score

Based on 1050 User Reviews

Average
Consumer Interest

Based on the past 7 days

Good
Products and Services

Better Penny Review Score

1050 Reviews
Trustpilot
10
7.0

Better Penny score

SoFi
Competitive Rates & Low Down Payment
  • As Little as 5% Down Payment
  • Get Mortage Rates in Minutes
  • Super Fast 30 Day Funding
  • Won't Affect Your Credit Score
VIEW RATES
9346 Reviews
Trustpilot
4.3 of 5.0
TrustPilot Score

Based on 9346 User Reviews

Average
Consumer Interest

Based on the past 7 days

Good
Products and Services

Better Penny Review Score

9346 Reviews
Trustpilot
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BetterPenny.com Score:

Our Ranking consists of the following 3 scoring criteria:

  • Total Score

    Total Score is a numerical estimate of the brand's overall quality based on reviews by anybody seeking to share a review. The brand's review score will be included in the our Total Score. If a company does not have a review rating, the total score will be determined solely by Consumer Interest.

  • Consumer Interest

    Consumer Interest is a simple calculation to determine how visitors engage with the brands on our website. User interest is based on clicks and transactions received in the last 7 days. This interest may vary based on an updated weekly average.

  • Products & Services

    Our editorial staff researches and reviews financial services based on criteria such as product and service range, ease-of-use, online accessibility, customer support, special accolades, and more. Each brand is assigned a score for each criterion based on the offerings in that category. If our staff is unable to discover information relevant to a brand's Products & Services Score, it will not be calculated.

Consumer Reviews

Quicken Loans
Read review
LendingTree
Read review
AmeriSave
Read review
Veterans United
Read review
Rocket Mortgage
Read review

Recent Reviews

I’ve used Rocket Mortgage twice, once for my first home purchase in 2020 and again in 2025. Both times my experience has been exceptional! I was a first time homebuyer in 2020 and all of the reps who handled my loan were very patient and helpful. And the second time around, I was buying a home directly from a builder and they were equally helpful in getting me through the process in record time. I feel like a valued customer and that my business is truly appreciated. Every rep I’ve worked with has been professional, knowledgeable, friendly and helpful.

Easy approval and convenient.

Simple easy and the best to deal with.

Doing well by offering I think that the plan is nice to receive a loan I realli needed a loan

My hat is off to Messrs Duncan and Lantz. They were professional, personable and efficient. They kept informed of the process and worked hard to get my loan approved. I am so grateful to them for their assistance. From start to finish, they made me feel as if I was their only client. The entire process was unbelievably easy and quick. HIGHLY RECOMMEND!

Our #1 Consumer Choice
A+ Best Rating
9.8

Better Penny score

Quicken Loans
Largest Online Mortgage Lender
  • Offers Verified Approvals
  • High Customer Satisfaction
  • 24/7 Online Mortgage Services
  • Wide Range of Loan Options
4.5
TrustPilot Score

Based on 20158 User Reviews

High
Consumer Interest

Based on the past 7 days

Excellent
Products and Services

Better Penny Review Score

Understanding Mortgage Rates

Understanding the factors that go into the calculation of a mortgage rate is necessary for those who have never had to purchase a home before. In order to choose the best possible deal, you need to know everything about your potential lender's rates. This can be as simple as determining which method they use when figuring out their rates, or it could entail learning more about the factors that go into this process.

How to Choose the Right Lender:

  • Compare Various Options Available
  • Research About Different Types of Loans Available
  • Review the Terms and Conditions
  • A Credit Check Is Compulsory
  • Ask for Advice



How Are Rates Determined?

There are a few different methods that mortgage lenders use in order to arrive at a rate for you. The most common one is using something known as an index plus a margin, meaning they will take the current market value of an index and add a percentage margin to it. This percentage may be predetermined, or they could use their own discretion to determine an appropriate margin.

What is a Fixed Rate Mortgage?

A fixed-rate mortgage is a type of home loan where the interest rate stays the same for the duration of your repayment term. with this kind of mortgage, you have a monthly payment amount and that will not change unless you refinance to a different rate.

What is a Variable Rate Mortgage?

A variable rate mortgage refers to a type of home loan in which the interest rate fluctuates along with an index prime rate. Since this rate is not capped, it can rise or fall as much as the market allows. Variable-rate mortgages are available for both short and long terms.  

What's The Purpose of a Rate Lock?

A mortgage rate lock is used by lenders as a way for you to protect yourself financially throughout the process of your loan application not becoming approved. A rate lock guarantees that the lender will keep the same rate for a certain period of time, even if their market changes in that time.

Does an ARM Affect My Loan?

An adjustable-rate mortgage or ARM is a type of loan that has a variable interest rate. This means that they aren't fixed when you get them but may change over the duration of you having them. The advantage to this kind of loan is that their initial rate will probably be lower than a fixed, and it may benefit those who are expecting a significant increase in their income within the next year or so.

Why Are There Multiple Mortgage Rates?

There are many different types of mortgages, each with its own interest rates. This means that there are many different possible rates because some lenders will offer a number of loans at once. To make this even more complicated, even if you have the same loan type from two separate lenders, they may vary by as much as 1/8th of a percentage point.

What's a Good Mortgage Rate?

A good mortgage rate is one that you find most beneficial to your personal situation. It's not an objective number, because what seems like a great deal to some people may not be so for others due to their financial status. Mortgage rates can vary according to a variety of factors, and it's important to understand them in order to get the best possible deal. By knowing what these factors are, you'll be able to make an informed decision about which lender you want to go with.



Conclusion

Choosing a lender is about more than just their rates. You need to spend time understanding all the factors that go into them and how they affect your mortgage, as well as what you want for your future financial situation. The information we've provided should help you get started thinking about which mortgage rate will suit you best based on where you are in life financially.