The Best Mortgage Lenders of 2023

Compare America's Top Mortgage Providers

List updated April 2025
115,467 Real Customer Reviews
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Home Loans Companies in Ohio

List updated April 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
20173 Reviews
Trustpilot
4.4 of 5.0
TrustPilot Score

Based on 20173 User Reviews

High
Consumer Interest

Based on the past 7 days

Excellent
Products and Services

Better Penny Review Score

20173 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
14564 Reviews
Trustpilot
4.3 of 5.0
TrustPilot Score

Based on 14564 User Reviews

High
Consumer Interest

Based on the past 7 days

Excellent
Products and Services

Better Penny Review Score

14564 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
14799 Reviews
Trustpilot
4.6 of 5.0
TrustPilot Score

Based on 14799 User Reviews

Good
Consumer Interest

Based on the past 7 days

Great
Products and Services

Better Penny Review Score

14799 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
11912 Reviews
Trustpilot
4.9 of 5.0
TrustPilot Score

Based on 11912 User Reviews

Good
Consumer Interest

Based on the past 7 days

Great
Products and Services

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11912 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
1834 Reviews
Trustpilot
4.3 of 5.0
TrustPilot Score

Based on 1834 User Reviews

Average
Consumer Interest

Based on the past 7 days

Good
Products and Services

Better Penny Review Score

1834 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
36254 Reviews
Trustpilot
4.7 of 5.0
TrustPilot Score

Based on 36254 User Reviews

Average
Consumer Interest

Based on the past 7 days

Good
Products and Services

Better Penny Review Score

36254 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
4273 Reviews
Trustpilot
3.9 of 5.0
TrustPilot Score

Based on 4273 User Reviews

Average
Consumer Interest

Based on the past 7 days

Good
Products and Services

Better Penny Review Score

4273 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
1101 Reviews
Trustpilot
4.8 of 5.0
TrustPilot Score

Based on 1101 User Reviews

Average
Consumer Interest

Based on the past 7 days

Good
Products and Services

Better Penny Review Score

1101 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
1141 Reviews
Trustpilot
2.4 of 5.0
TrustPilot Score

Based on 1141 User Reviews

Average
Consumer Interest

Based on the past 7 days

Good
Products and Services

Better Penny Review Score

1141 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
9416 Reviews
Trustpilot
4.3 of 5.0
TrustPilot Score

Based on 9416 User Reviews

Average
Consumer Interest

Based on the past 7 days

Good
Products and Services

Better Penny Review Score

9416 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

Very good in staying in touch with the whole process. Informative, courteous and helpful. Communication excellent. Great job to all

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

East and fast Jacob did great job all along the way

P Cazier reviewed LoanDepot

Let me save you several hours - if you are looking for someone who will fight to get you the best possible rate, communicates clearly and timely, and answers questions truthfully then Kara & Bridget at LoanDepot in Cottonwood Heights, Utah is the lending team for you! Kara is an absolute rock star in this business! I've had the opportunity to get to know her through a networking group and I had not anticipated needing her services. When circumstances hit that I needed some help finding funds, other companies began to call but with Kara, it wasn't about the money, it was about trust. When I talk about trust it means both integrity AND capacity (knowledge/skill). Going through this process proved that she has both. Again, save yourself some time - contact Kara if you want it done right!

Taylor Clark 🤷‍♂️ Micheal Jordon of lending …

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
4.4
TrustPilot Score

Based on 20173 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.