Highest Rated · Lakewood
Top-Rated Mortgage Brokers in Lakewood, OH
Every business ranked by real customer ratings. The pros at the top earned it — through consistent service, not advertising spend.
As of May 2026, RatingsNearMe ranks 10 mortgage brokers in Lakewood, OH by verified customer ratings and review volume. The highest-rated is CheckSmart with a 4.9-star rating from 283 verified reviews. 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 May 17, 2026 · Scored by ratings (35%), review volume (30%), sentiment (20%), completeness (10%), availability (5%) · Not paid placement.
Local Market Snapshot
10
Businesses listed
4.4★
Avg rating
48
Avg reviews
May 17, 2026
Last updated
Top Rated Mortgage Brokers
Ruoff Mortgage - Mentor
7250 Center St unit d, Mentor, OH 44060, USA
AskLocal Concierge & Marketplace- Your Smarter Way to Move
17415 Northwood Ave, Lakewood, OH 44107, USA
Mortgage 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 | First Federal Lakewood - Fairlawn Mortgage Lending Office3480 W Market St Suite 201, Fairlawn, OH 44333, USA | 1.0★ | 1 |
| #5 | CrossCountry Mortgage, LLC2160 Superior Ave, Cleveland, OH 44114, USA | — | — |
| #6 | Premier Mortgage Consultants LTD14700 Detroit Ave, Lakewood, OH 44107, USA | 5.0★ | 14 |
| #7 | Stephanie Stoltz, Ruoff Mortgage7250 Center St, Mentor, OH 44060, USA | 5.0★ | 23 |
| #8 | The Mortgage Guys50 Baker Blvd #6, Fairlawn, OH 44333, USA | 5.0★ | 1 |
| #9 | OneMain Financial16214 Madison Ave, Lakewood, OH 44107, USA | 3.9★ | 34 |
| #10 | Brian Bowling at CrossCountry Mortgage2160 Superior Ave, Cleveland, OH 44114, USA | 5.0★ | 4 |
Ranked by verified ratings & review volume · Data from Google Business listings · Updated May 2026
All Mortgage Brokers in Lakewood
First Federal Lakewood - Fairlawn Mortgage Lending Office
3480 W Market St Suite 201, Fairlawn, OH 44333, USA
CrossCountry Mortgage, LLC
2160 Superior Ave, Cleveland, OH 44114, USA
Premier Mortgage Consultants LTD
14700 Detroit Ave, Lakewood, OH 44107, USA
Stephanie Stoltz, Ruoff Mortgage
7250 Center St, Mentor, OH 44060, USA
Brian Bowling at CrossCountry Mortgage
2160 Superior Ave, Cleveland, OH 44114, USA
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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: May 17, 2026.
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