Ohio’s real estate market is navigable year-round, but it can be quite an adventure for the uninitiated. Navigating the state’s diverse real estate waters requires a sturdy mortgage partner to chart your course. Here’s a look at some of the top mortgage companies in ohio.

A Closer Look at Key Players

Huntington Bank

Huntington Bank, a long-standing name in Ohio, offers a range of mortgage options, from conventional loans to VA and FHA programs. With a strong local presence, Huntington has deep roots in understanding Ohio’s real estate market nuances, backed by their nationwide recognition.

Quicken Loans

Acclaimed for their speedy online platform, Quicken Loans offers a user-friendly experience, particularly for tech-savvy borrowers. Their Rocket Mortgage application has set the standard for easy digital mortgages, making it a top choice for those seeking efficiency and convenience.


KeyBank Mortgage Services provides a broad suite of loan programs with a focus on personalized service. Their local loan officers are well-versed in Ohio’s neighborhoods, and their strong emphasis on community involvement appeals to those who prioritize local connections.

Considerations When Choosing a Mortgage Company

Customer Service

Mortgage transactions are complex, and customer service can make or break the experience. Look for lenders with a reputation for responsive and helpful service, which can significantly reduce stress during the home buying process.

Rates and Terms

Comparing interest rates and loan terms across different companies is crucial for securing the best deal. Be sure to understand the full financial picture, including closing costs, points, and any additional fees.

Experience in Ohio Markets

Experience and understanding of local markets can be an invaluable asset during negotiations and in securing the optimal mortgage. Companies with strong Ohio roots are often a better fit for local purchases.

Technology and Innovation

In an increasingly digital world, the technology offered by mortgage companies can greatly impact the ease of the borrowing process. Look for features like online applications, document uploads, and progress tracking.

Online Reviews

Consider the experiences of past customers by reading online reviews. Although individual reviews should be taken with a grain of salt, patterns can provide insights into a company’s performance and reputation.

The Mortgage Application Process


Start with a mortgage pre-approval. This process can help you understand how much you can afford and makes you a more attractive buyer to sellers.


Gather the necessary documentation, which typically includes identification, proof of income, bank statements, and employment verification. The more prepared you are, the smoother the process will be.

Loan Application

Submit your loan application, which can be done in person, over the phone, or online, depending on the lender. Make sure to provide all requested information to avoid delays.


The underwriter will review your application and documentation, assessing the risk of loaning to you. They may request additional information at this stage.


Once your loan is approved, you will receive a commitment letter outlining the terms. Review it carefully to ensure you understand and agree with the details.


The final step is the mortgage closing, where you’ll sign all the necessary paperwork to secure your loan. Be sure to ask any lingering questions and know what to expect in terms of your ongoing mortgage responsibilities.

Choosing a mortgage company is a significant decision in the home-buying process. Take the time to research, compare, and find a lender that not only offers favorable terms but also aligns with your needs and values. With the right partner, you’ll be well-equipped to make the most of Ohio’s real estate opportunities.

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