Best Value · Lakewood
Affordable Mortgage Brokers in Lakewood, OH
Find quality mortgage brokers that fit your budget. Compare prices, read reviews, and request free quotes — no obligation.
As of July 2026, RatingsNearMe ranks 10 mortgage brokers in Lakewood, OH by the RNM Score — a 0–100 rating built from Google ratings, review volume, sentiment, and profile completeness. The top-ranked is CheckSmart with a 4.9-star rating from 283 Google reviews and an RNM Score of 98/100. Also in the top tier: Ruoff Mortgage - Mentor and AskLocal Concierge & Marketplace- Your Smarter Way to Move. The average rating across all listed mortgage brokers in Lakewood is 4.4 stars from 48 reviews per business on average.
Mortgage brokers in Lakewood: broker fee typically 1–2% of loan amount, paid by the lender. No direct cost to most borrowers.
Rankings updated July 5, 2026 · RNM Score = ratings (35%), review volume (30%), sentiment (20%), completeness (10%), availability (5%) · Not paid placement.
Best Overall
OneMain Financial
OneMain Financial is top-ranked for its broad accessibility and established reputation in Lakewood, offering personalized service for a variety of mortgage needs.
Most Reviewed
OneMain Financial
A high review count indicates a large customer base and consistent service experience, which can help you gauge reliability and satisfaction trends.
When choosing a mortgage broker in Lakewood, compare loan options and fees across multiple brokers, and prioritize those with transparent communication and local market knowledge.
Local Market Snapshot
10
Businesses listed
4.4★
Avg rating
48
Avg reviews
Jul 5, 2026
Last updated
Top Rated Mortgage Brokers
4.9 stars on Google from nearly 300 reviews, a top-rated local lender.
1508 W 117th St, Lakewood, OH 44107, USARated 5.0 stars from 37 Google reviews, this Lakewood broker is highly trusted.
7250 Center St unit d, Mentor, OH 44060, USA5.0-star rating from 31 Google reviews highlights exceptional client satisfaction.
17415 Northwood Ave, Lakewood, OH 44107, USAMortgage Brokers Rankings in Lakewood, OH
| # | Business | Rating | Reviews |
|---|---|---|---|
| #1 | CheckSmart1508 W 117th St, Lakewood, OH 44107, USA | 4.9★ | 283 |
| #2 | Ruoff Mortgage - Mentor7250 Center St unit d, Mentor, OH 44060, USA | 5.0★ | 37 |
| #3 | AskLocal Concierge & Marketplace- Your Smarter Way to Move17415 Northwood Ave, Lakewood, OH 44107, USA | 5.0★ | 31 |
| #4 | Premier Mortgage Consultants LTD14700 Detroit Ave, Lakewood, OH 44107, USA | 5.0★ | 14 |
| #5 | OneMain Financial16214 Madison Ave, Lakewood, OH 44107, USA | 3.9★ | 34 |
| #6 | The Mortgage Guys50 Baker Blvd #6, Fairlawn, OH 44333, USA | 5.0★ | 1 |
| #7 | CrossCountry Mortgage, LLC2160 Superior Ave, Cleveland, OH 44114, USA | — | — |
| #8 | Brian Bowling at CrossCountry Mortgage2160 Superior Ave, Cleveland, OH 44114, USA | 5.0★ | 4 |
| #9 | Stephanie Stoltz, Ruoff Mortgage7250 Center St, Mentor, OH 44060, USA | 5.0★ | 23 |
| #10 | First Federal Lakewood - Fairlawn Mortgage Lending Office3480 W Market St Suite 201, Fairlawn, OH 44333, USA | 1.0★ | 1 |
Ranked by verified ratings & review volume · Data from Google Business listings · Updated July 2026
All Mortgage Brokers in Lakewood
Trusted Lakewood mortgage broker with a perfect 5.0-star rating from 14 reviews.
14700 Detroit Ave, Lakewood, OH 44107, USA
A local mortgage broker with 34 Google reviews averaging a 3.9-star rating.
16214 Madison Ave, Lakewood, OH 44107, USA
5.0 stars from early reviews show exceptional client satisfaction in Lakewood.
50 Baker Blvd #6, Fairlawn, OH 44333, USA
This Lakewood mortgage broker has no online reviews yet, so their reputation is unrated.
2160 Superior Ave, Cleveland, OH 44114, USA
Rated 5.0 stars from 4 Google reviews for exceptional local service.
2160 Superior Ave, Cleveland, OH 44114, USA
Lakewood mortgage broker with a perfect 5.0 rating from 23 reviews.
7250 Center St, Mentor, OH 44060, USA
A 1.0-star rating from one review signals potential issues with this mortgage broker.
3480 W Market St Suite 201, Fairlawn, OH 44333, USA
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Mortgage Brokers in Lakewood, OH — Compared
| # | Business | RNM Score | Rating | Reviews |
|---|---|---|---|---|
| 1 | CheckSmart | 98/100 | 4.9 ★ | 283 |
| 2 | Ruoff Mortgage - Mentor | 90/100 | 5.0 ★ | 37 |
| 3 | AskLocal Concierge & Marketplace- Your Smarter Way to Move | 89/100 | 5.0 ★ | 31 |
| 4 | Premier Mortgage Consultants LTD | 85/100 | 5.0 ★ | 14 |
| 5 | OneMain Financial | 71/100 | 3.9 ★ | 34 |
| 6 | The Mortgage Guys | 74/100 | 5.0 ★ | 1 |
| 7 | CrossCountry Mortgage, LLC | 15/100 | — | 0 |
| 8 | Brian Bowling at CrossCountry Mortgage | 79/100 | 5.0 ★ | 4 |
| 9 | Stephanie Stoltz, Ruoff Mortgage | 87/100 | 5.0 ★ | 23 |
| 10 | First Federal Lakewood - Fairlawn Mortgage Lending Office | 26/100 | 1.0 ★ | 1 |
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 Lakewood
What does a mortgage broker do differently than going directly to a bank in Lakewood?
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 Lakewood?
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 5, 2026.
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