Licensed · Fairfield
Licensed & Insured Mortgage Brokers in Fairfield, OH
Every mortgage brokers listed here carries proper licensing and insurance in OH. Protect yourself — always verify credentials before work begins.
As of July 2026, RatingsNearMe ranks 15 mortgage brokers in Fairfield, OH by the RNM Score — a 0–100 rating built from Google ratings, review volume, sentiment, and profile completeness. The top-ranked is William Dawes - Ohio Mortgage Expert | Fairway Home Mortgage with a 5.0-star rating from 318 Google reviews and an RNM Score of 88/100. Also in the top tier: Union Savings Bank and Buckeye Home Lending. The average rating across all listed mortgage brokers in Fairfield is 4.7 stars from 57 reviews per business on average.
Mortgage brokers in Fairfield: broker fee typically 1–2% of loan amount, paid by the lender. No direct cost to most borrowers.
Rankings updated July 4, 2026 · RNM Score = ratings (35%), review volume (30%), sentiment (20%), completeness (10%), availability (5%) · Not paid placement.
Local Market Snapshot
15
Businesses listed
4.7★
Avg rating
57
Avg reviews
Jul 4, 2026
Last updated
Top Rated Mortgage Brokers
Exceptional 5.0-star rating from over 300 Google reviews by local clients.
558 E State St, Salem, OH 44460, USATrusted Fairfield mortgage broker with a 4.8-star rating from over 120 reviews.
721 Wessel Dr, Fairfield, OH 45014, USARated 4.9 stars from 65 Google reviews in Fairfield, OH.
1281 W Main St, Newark, OH 43055, USAMortgage Brokers Rankings in Fairfield, OH
| # | Business | Rating | Reviews |
|---|---|---|---|
| #1 | William Dawes - Ohio Mortgage Expert | Fairway Home Mortgage558 E State St, Salem, OH 44460, USA | 5.0★ | 318 |
| #2 | Union Savings Bank721 Wessel Dr, Fairfield, OH 45014, USA | 4.8★ | 129 |
| #3 | Buckeye Home Lending1281 W Main St, Newark, OH 43055, USA | 4.9★ | 65 |
| #4 | Benge Mortgage LLC NMLS#23599248080 Beckett Center Dr #202, West Chester Township, OH 45069, USA | 4.9★ | 42 |
| #5 | Loan Officer - 20739865380 Pleasant Ave Suite 4D, Fairfield, OH 45014, USA | — | — |
| #6 | Loan Officer - 4888675380 Pleasant Ave Suite 4D, Fairfield, OH 45014, USA | — | — |
| #7 | Access Mortgage Solution5353 Dixie Hwy B3, Fairfield, OH 45014, USA | — | — |
| #8 | Loan Officer - 2946805380 Pleasant Ave Suite 4D, Fairfield, OH 45014, USA | 5.0★ | 1 |
| #9 | US Bank MortgageFairfield, OH 45014, USA | 3.0★ | 2 |
| #10 | Sibcy Cline Mortgage Services8044 Montgomery Rd #301, Cincinnati, OH 45236, USA | 5.0★ | 6 |
Ranked by verified ratings & review volume · Data from Google Business listings · Updated July 2026
All Mortgage Brokers in Fairfield
Rated 4.9 stars from 42 reviews, a top-rated Fairfield mortgage broker.
8080 Beckett Center Dr #202, West Chester Township, OH 45069, USA
This business has no reviews yet, so its reputation is unproven.
5380 Pleasant Ave Suite 4D, Fairfield, OH 45014, USA
No reviews yet for this Fairfield mortgage broker.
5380 Pleasant Ave Suite 4D, Fairfield, OH 45014, USA
This business has no Google reviews yet, so its reputation is unknown.
5353 Dixie Hwy B3, Fairfield, OH 45014, USA
Trusted Fairfield mortgage broker with a perfect 5.0-star rating from clients.
5380 Pleasant Ave Suite 4D, Fairfield, OH 45014, USA
Fairfield mortgage broker with a 3.0-star rating based on 2 Google reviews.
Fairfield, OH 45014, USA
Exceptional 5.0-star rating from 6 Google reviews by past clients in Fairfield.
8044 Montgomery Rd #301, Cincinnati, OH 45236, USA
Trusted local mortgage broker with a perfect 5.0-star rating from 3 reviews.
5380 Pleasant Ave Suite 4D, Fairfield, OH 45014, USA
Earns a perfect 5.0-star rating from over 50 client reviews in Fairfield.
9078 Union Centre Blvd #350, West Chester Township, OH 45069, USA
Fairfield's top-rated mortgage broker with a perfect 5.0★ score from 39 reviews.
6800 Central Ave B, Toledo, OH 43617, USA
Exceptional 4.9-star rating from 11 Google reviews for a local mortgage broker.
4357 Harrison Ave FL 2, Cincinnati, OH 45211, USA
Rated 4.1 stars from 9 local Google reviews for mortgage services.
8050 Beckett Center Dr Ste. 320, West Chester Township, OH 45069, USA
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Mortgage Brokers in Fairfield, OH — Compared
| # | Business | RNM Score | Rating | Reviews |
|---|---|---|---|---|
| 1 | William Dawes - Ohio Mortgage Expert | Fairway Home Mortgage | 88/100 | 5.0 ★ | 318 |
| 2 | Union Savings Bank | 81/100 | 4.8 ★ | 129 |
| 3 | Buckeye Home Lending | 79/100 | 4.9 ★ | 65 |
| 4 | Benge Mortgage LLC NMLS#2359924 | 77/100 | 4.9 ★ | 42 |
| 5 | Loan Officer - 2073986 | 3/100 | — | 0 |
| 6 | Loan Officer - 488867 | 3/100 | — | 0 |
| 7 | Access Mortgage Solution | 3/100 | — | 0 |
| 8 | Loan Officer - 294680 | 62/100 | 5.0 ★ | 1 |
| 9 | US Bank Mortgage | 42/100 | 3.0 ★ | 2 |
| 10 | Sibcy Cline Mortgage Services | 72/100 | 5.0 ★ | 6 |
Ranked by RatingsNearMe Score · ratings (35%), review volume (30%), sentiment (20%), completeness (10%), availability (5%) · July 2026
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Frequently Asked Questions — Mortgage Brokers in Fairfield
What does a mortgage broker do differently than going directly to a bank in Fairfield?
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 Fairfield?
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: July 4, 2026.
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