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Emergency Mortgage Brokers in Dayton, OH — Available 24/7
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As of May 2026, RatingsNearMe ranks 20 mortgage brokers in Dayton, OH by verified customer ratings and review volume. The highest-rated is USA Mortgage with a 4.9-star rating from 422 verified reviews. Also in the top tier: PrimeLending, A PlainsCapital Company - Dayton and Todd Nerlinger. The average rating across all listed mortgage brokers in Dayton is 4.9 stars from 106 reviews per business on average.
Mortgage brokers in Dayton: broker fee typically 1–2% of loan amount, paid by the lender. No direct cost to most borrowers.
Rankings updated May 17, 2026 · Scored by ratings (35%), review volume (30%), sentiment (20%), completeness (10%), availability (5%) · Not paid placement.
Local Market Snapshot
20
Businesses listed
4.9★
Avg rating
106
Avg reviews
May 17, 2026
Last updated
Top Rated Mortgage Brokers
PrimeLending, A PlainsCapital Company - Dayton
4404 Buckeye Ln D240, Beavercreek, OH 45440, USA
Mortgage Brokers Rankings in Dayton, OH
| # | Business | Rating | Reviews |
|---|---|---|---|
| #1 | USA Mortgage8075 Washington Village Dr, Dayton, OH 45458, USA | 4.9★ | 422 |
| #2 | PrimeLending, A PlainsCapital Company - Dayton4404 Buckeye Ln D240, Beavercreek, OH 45440, USA | 4.9★ | 331 |
| #3 | Todd Nerlinger5651 Far Hills Ave, Dayton, OH 45459, USA | 5.0★ | 215 |
| #4 | Northern Mortgage - Home Loans by Bill Hudson70 Birch Alley suite 240, Beavercreek, OH 45440, USA | 4.9★ | 147 |
| #5 | NEO Home Loans - The Stable Group5600 Kentshire Dr #209, Kettering, OH 45440, USA | 4.9★ | 47 |
| #6 | A-Z Lending7542 McEwen Rd, Dayton, OH 45459, USA | 4.9★ | 107 |
| #7 | Taylor Perry - VanDyk Mortgage Corporation3979 Indian Ripple Rd, Beavercreek, OH 45440, USA | 5.0★ | 69 |
| #8 | NFM Lending - Dayton, OH - Branch OH3453123 Research Blvd # 150, Kettering, OH 45420, USA | 5.0★ | 83 |
| #9 | Haley Swarts5151 Far Hills Ave, Dayton, OH 45429, USA | 5.0★ | 96 |
| #10 | Polaris Home Funding Corporation3017 Sudbury Dr suite a, Kettering, OH 45420, USA | 4.8★ | 133 |
Ranked by verified ratings & review volume · Data from Google Business listings · Updated May 2026
All Mortgage Brokers in Dayton
Northern Mortgage - Home Loans by Bill Hudson
70 Birch Alley suite 240, Beavercreek, OH 45440, USA
NEO Home Loans - The Stable Group
5600 Kentshire Dr #209, Kettering, OH 45440, USA
A-Z Lending
7542 McEwen Rd, Dayton, OH 45459, USA
Taylor Perry - VanDyk Mortgage Corporation
3979 Indian Ripple Rd, Beavercreek, OH 45440, USA
NFM Lending - Dayton, OH - Branch OH345
3123 Research Blvd # 150, Kettering, OH 45420, USA
Haley Swarts
5151 Far Hills Ave, Dayton, OH 45429, USA
Polaris Home Funding Corporation
3017 Sudbury Dr suite a, Kettering, OH 45420, USA
Mark Myers Mortgage Team - Union Savings Bank
5651 Far Hills Ave, Dayton, OH 45429, USA
Millennia Mortgage Group
5450 Far Hills Ave Suite 220, Dayton, OH 45429, USA
The Mortgage Network of Ohio (NMLS ID 1742)
8153 Garnet Dr, Centerville, OH 45458, USA
Mike Romano Team
14 W First St, Dayton, OH 45402, USA
Ruoff Mortgage - Dayton-South
1522 Miamisburg Centerville Rd, Dayton, OH 45459, USA
The Rines Group - USA Mortgage - Austin Rines
8075 Washington Village Dr, Dayton, OH 45458, USA
Bryan Kennard-USA Mortgage
8075 Washington Village Dr, Dayton, OH 45458, USA
Victory Mortgage
7777 Washington Village Dr Suite 300, Washington Township, OH 45459, USA
Home Loans by Carlos Scarpero, Powered by Edge Home Finance, NMLS #1674385
513 Windsor Park Dr c, Dayton, OH 45459, USA
Primary Residential Mortgage, Inc - Ohio
1430 Oak Ct # 306, Beavercreek, OH 45430, USA
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Frequently Asked Questions — Mortgage Brokers in Dayton
What does a mortgage broker do differently than going directly to a bank in Dayton?
A broker shops your loan across multiple lenders — banks, credit unions, and non-bank lenders — to find the best rate and terms for your situation. Going to one bank limits you to their products. Brokers are typically paid 1–2% of the loan amount by the lender (disclosed upfront on your Loan Estimate). For buyers who don't fit a standard profile (self-employed, complex income, non-QM situations), a broker's lender access is particularly valuable.
How do I compare mortgage rates in Dayton?
Get a Loan Estimate (federally required within 3 business days of application) from at least 3 lenders. Compare APR — not just the interest rate — because APR includes fees and gives you a truer cost comparison. Also compare origination fees, points, and closing costs. On a $350,000 loan, even a 0.25% rate difference costs about $17,000 over 30 years.
What credit score do I need to get a mortgage in OH?
Conventional loans (Fannie/Freddie): 620+ minimum, best rates at 740+. FHA loans: 580+ with 3.5% down, or 500–579 with 10% down. VA loans (veterans): no official minimum, typically 620+ in practice. USDA loans (rural areas): typically 640+. Higher scores unlock meaningfully better rates — even a 20-point difference can save thousands annually.
What is the difference between a mortgage broker and a loan officer?
A loan officer works for one lender (bank, credit union, or mortgage company) and can only offer that lender's products. A broker is independent and accesses dozens of lenders. A bank loan officer may have faster approvals and more streamlined processes for straightforward cases. A broker adds more value for complex income situations, credit challenges, or when rate comparison matters most.
How are the mortgage brokers on this page ranked?
Rankings use a transparent algorithm: star rating (35%), review volume (30%), customer sentiment (20%), profile completeness (10%), and availability (5%). Featured Partner listings have paid for enhanced visibility but must still earn their position through real customer reviews — sponsored listings are clearly labeled.
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How Rankings Work on This Page
Every mortgage brokers on RatingsNearMe is scored transparently: star rating (35%), review volume (30%), customer sentiment (20%), profile completeness (10%), and availability (5%). Businesses labeled exclusive or premium are Featured Partners — they have paid for enhanced visibility but must still rank through real customer reviews. We cap sponsored boosts so bad businesses can never buy the top spot.
Editorial notice: Ratings are based on publicly available data from Google Business listings. Consumers should independently verify licensing, insurance, and credentials before hiring any service provider. Last updated: May 17, 2026.
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