The Best Mortgage Lenders of 2023

Compare America's Top Mortgage Providers

List updated August 2025
120,104 Real Customer Reviews
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Home Loans Companies in Ohio

List updated August 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
20331 Reviews
Trustpilot
4.2 of 5.0
TrustPilot Score

Based on 20331 User Reviews

High
Consumer Interest

Based on the past 7 days

Excellent
Products and Services

Better Penny Review Score

20331 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
15252 Reviews
Trustpilot
4.5 of 5.0
TrustPilot Score

Based on 15252 User Reviews

High
Consumer Interest

Based on the past 7 days

Excellent
Products and Services

Better Penny Review Score

15252 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
15763 Reviews
Trustpilot
4.6 of 5.0
TrustPilot Score

Based on 15763 User Reviews

Good
Consumer Interest

Based on the past 7 days

Great
Products and Services

Better Penny Review Score

15763 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
12321 Reviews
Trustpilot
4.9 of 5.0
TrustPilot Score

Based on 12321 User Reviews

Good
Consumer Interest

Based on the past 7 days

Great
Products and Services

Better Penny Review Score

12321 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
1849 Reviews
Trustpilot
4.1 of 5.0
TrustPilot Score

Based on 1849 User Reviews

Average
Consumer Interest

Based on the past 7 days

Good
Products and Services

Better Penny Review Score

1849 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
37443 Reviews
Trustpilot
4.7 of 5.0
TrustPilot Score

Based on 37443 User Reviews

Average
Consumer Interest

Based on the past 7 days

Good
Products and Services

Better Penny Review Score

37443 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
4297 Reviews
Trustpilot
3.9 of 5.0
TrustPilot Score

Based on 4297 User Reviews

Average
Consumer Interest

Based on the past 7 days

Good
Products and Services

Better Penny Review Score

4297 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
1721 Reviews
Trustpilot
4.9 of 5.0
TrustPilot Score

Based on 1721 User Reviews

Average
Consumer Interest

Based on the past 7 days

Good
Products and Services

Better Penny Review Score

1721 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
1309 Reviews
Trustpilot
2.6 of 5.0
TrustPilot Score

Based on 1309 User Reviews

Average
Consumer Interest

Based on the past 7 days

Good
Products and Services

Better Penny Review Score

1309 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
9818 Reviews
Trustpilot
4.3 of 5.0
TrustPilot Score

Based on 9818 User Reviews

Average
Consumer Interest

Based on the past 7 days

Good
Products and Services

Better Penny Review Score

9818 Reviews
Trustpilot
Featured
Customized Quotes in Minutes!
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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 cannot say enough great things about Nick! After a disappointing experience with another lender that tried to sneak in extra fees and hike up my rate, I turned to Nick, and it was the best decision I could have made. From day one, he has been nothing short of amazing. Nick is the kind of loan officer who genuinely cares about his clients. He always answers calls or messages, no matter the time, and he goes above and beyond to ensure that every question is answered thoroughly. His professionalism, kindness, and expertise made what could have been a stressful process incredibly smooth and even enjoyable. Not only did he offer me a fair and transparent loan, but he also walked me through every step of the process, ensuring I felt confident and informed the entire time. He’s a true advocate for his clients and someone you can trust completely to have your best interests at heart. Nick isn’t just good—he’s the best. I wholeheartedly believe he deserves recognition for his outstanding work, and I would recommend him to anyone looking for a trustworthy, efficient, and genuinely caring loan officer. If anyone deserves a promotion or reward, it’s Nick. That's why I call him the GOAT!

Your agents were so professional and helpful. Getting right back to me and helping me through the process. I appreciate them and your company! Thanks again for everything!

I had an excellent experience with quicken loans. The representative was simply outstanding. Professional, yet friendly and very clear spoken. It was easy to just have to upload a couple of documents. I highly recommend them.

First of all, Rocket did something that no one else would or could do (including my own Mortgage company). From the very beginning I was impressed. Keean (my GUY) was the BEST ! He came back with a proposal that about made me fall off my chair. I was on the brink of possibly ? (after 30 years of performing financial miracles) having thoughts of filing bankruptcy. Every step (even when Keean when out for 2 weeks for Military duty ... bless him for that!) EVERY person I spoke with when I called in or went into CHAT with knew everything and were able to answer my questions. Rocket went above and beyond with their fees (even gave me a break). I have been a single parent for 29 years, have worked for over 46 years and would like to retire in the next 3 years or so. Rocket has definitely made that 100% more possible. I still CANNOT BELIEVE the position I'm in right now. I am debt free with just 1 single payment and loads and loads of future savings. I generally don't give this rating, but Rocket Mortgage gets an 11 out of 10 !!! in my book. Thank you !!!

Everyone was very helpful and knowledgeable.

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
4.2
TrustPilot Score

Based on 20331 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.