Near You · Lorain
Mortgage Brokers Near You in Lorain, OH
Find mortgage brokers close to you in Lorain. All results are sorted by proximity and rated by real local customers.
As of June 2026, RatingsNearMe ranks 17 mortgage brokers in Lorain, OH by the RNM Score — a 0–100 rating built from Google ratings, review volume, sentiment, and profile completeness. The top-ranked is Rodney Reynolds, Ruoff Mortgage with a 5.0-star rating from 91 Google reviews and an RNM Score of 83/100. Also in the top tier: Ruoff Mortgage - Lorain and Union Home Mortgage. The average rating across all listed mortgage brokers in Lorain is 4.7 stars from 21 reviews per business on average.
Mortgage brokers in Lorain: broker fee typically 1–2% of loan amount, paid by the lender. No direct cost to most borrowers.
Rankings updated June 10, 2026 · RNM Score = ratings (35%), review volume (30%), sentiment (20%), completeness (10%), availability (5%) · Not paid placement.
Lorain, OH is home to a variety of mortgage brokers who can assist consumers with home loans and financing. When searching for a local mortgage broker, consumers should consider factors such as experience, customer reviews, and the range of loan products offered.
- ✓Experienced mortgage brokers in Lorain, OH
- ✓Wide range of loan products and services available
- ✓Review customer ratings and feedback when selecting a broker
Best Overall
Union Capital Mortgage
Union Capital Mortgage consistently earns top rankings for its customer service, competitive rates, and efficient closing process.
Most Reviewed
Ruoff Mortgage
A high number of reviews indicates broad customer experience and can help you gauge overall satisfaction and reliability.
When choosing a mortgage broker in Lorain, compare rates, fees, and customer feedback from multiple sources. Consider requesting personalized quotes from at least two brokers to ensure you get the best terms for your situation.
How to Choose a Mortgage Broker in Lorain
What to look for
- • Experience and expertise in the Lorain, OH market
- • Transparent fees and costs upfront
- • Responsiveness and clear communication
- • Positive reviews and references from past clients
Questions to ask
- • How long have you been a mortgage broker in Lorain, OH?
- • What types of loan programs do you offer and which ones do you specialize in?
- • Can you provide a detailed cost breakdown of your services and any associated fees?
Red flags
- ⚠ Unwillingness to provide a written cost estimate
- ⚠ Pressure to use specific lenders or services
- ⚠ Lack of transparency about their licensing and qualifications
In Ohio, mortgage brokers must be licensed by the Ohio Division of Financial Institutions. Be sure to verify a broker's license and check for any disciplinary actions or complaints.
Local Market Snapshot
17
Businesses listed
4.7★
Avg rating
21
Avg reviews
Jun 10, 2026
Last updated
Top Rated Mortgage Brokers
Trusted by locals with a flawless 5.0-star rating from 91 reviews.
6155 Park Square Dr #4, Lorain, OH 44053, USARated 5.0 stars from 61 Google reviews, this Lorain mortgage broker is highly trusted.
6155 Park Square Dr #4, Lorain, OH 44053, USALorain mortgage broker with a perfect 5.0-star rating from 47 Google reviews.
5061 Abbe Rd N, Elyria, OH 44035, USAMortgage Brokers Rankings in Lorain, OH
| # | Business | Rating | Reviews |
|---|---|---|---|
| #1 | Rodney Reynolds, Ruoff Mortgage6155 Park Square Dr #4, Lorain, OH 44053, USA | 5.0★ | 91 |
| #2 | Ruoff Mortgage - Lorain6155 Park Square Dr #4, Lorain, OH 44053, USA | 5.0★ | 61 |
| #3 | Union Home Mortgage5061 Abbe Rd N, Elyria, OH 44035, USA | 5.0★ | 47 |
| #4 | LendUS & American Eagle Mortgage | Lorain, OH6145 Park Square Dr #3, Lorain, OH 44053, USA | 3.9★ | 8 |
| #5 | Jim Cook, Ruoff Mortgage6155 Park Square Dr #4, Lorain, OH 44053, USA | 5.0★ | 14 |
| #6 | Johnny Rivera, Mortgage Loan Originator, NMLS #737743961 Rossi Way, Lorain, OH 44053, USA | 5.0★ | 11 |
| #7 | Mike LaManna at Citywide (NMLS #1626813)347 Midway Blvd SUITE #200, Elyria, OH 44035, USA | 5.0★ | 10 |
| #8 | American Eagle Mortgage | Amherst, OH263 S Main St, Amherst, OH 44001, USA | 3.7★ | 9 |
| #9 | John Korinko at CrossCountry Mortgage263 S Main St, Amherst, OH 44001, USA | 5.0★ | 24 |
| #10 | Felix Velez, Ruoff Mortgage6155 Park Square Dr #4, Lorain, OH 44053, USA | 4.7★ | 13 |
Ranked by verified ratings & review volume · Data from Google Business listings · Updated June 2026
All Mortgage Brokers in Lorain
6145 Park Square Dr #3, Lorain, OH 44053, USA
5.0 stars from 14 Google reviews, reflecting exceptional client satisfaction.
6155 Park Square Dr #4, Lorain, OH 44053, USA
5.0-star rating from 11 Google reviews for a Lorain mortgage broker.
3961 Rossi Way, Lorain, OH 44053, USA
347 Midway Blvd SUITE #200, Elyria, OH 44035, USA
263 S Main St, Amherst, OH 44001, USA
5.0 stars from 24 reviews, reflecting exceptional client satisfaction in Lorain.
263 S Main St, Amherst, OH 44001, USA
4.7-star rating from 13 Google reviews, reflecting consistent client satisfaction.
6155 Park Square Dr #4, Lorain, OH 44053, USA
6155 Park Square Dr Suite 4, Lorain, OH 44053, USA
6155 Park Square Dr #4, Lorain, OH 44053, USA
A trusted Lorain mortgage broker with a strong 4.7-star rating from 13 reviews.
13593 Pearl Rd, Strongsville, OH 44136, USA
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Mortgage Brokers in Lorain, OH — Compared
| # | Business | RNM Score | Rating | Reviews |
|---|---|---|---|---|
| 1 | Rodney Reynolds, Ruoff Mortgage | 83/100 | 5.0 ★ | 91 |
| 2 | Ruoff Mortgage - Lorain | 81/100 | 5.0 ★ | 61 |
| 3 | Union Home Mortgage | 79/100 | 5.0 ★ | 47 |
| 4 | LendUS & American Eagle Mortgage | Lorain, OH | 52/100 | 3.9 ★ | 8 |
| 5 | Jim Cook, Ruoff Mortgage | 73/100 | 5.0 ★ | 14 |
| 6 | Johnny Rivera, Mortgage Loan Originator, NMLS #73774 | 72/100 | 5.0 ★ | 11 |
| 7 | Mike LaManna at Citywide (NMLS #1626813) | 71/100 | 5.0 ★ | 10 |
| 8 | American Eagle Mortgage | Amherst, OH | 49/100 | 3.7 ★ | 9 |
| 9 | John Korinko at CrossCountry Mortgage | 76/100 | 5.0 ★ | 24 |
| 10 | Felix Velez, Ruoff Mortgage | 68/100 | 4.7 ★ | 13 |
Ranked by RatingsNearMe Score · ratings (35%), review volume (30%), sentiment (20%), completeness (10%), availability (5%) · June 2026
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Frequently Asked Questions — Mortgage Brokers in Lorain
What does a mortgage broker do differently than going directly to a bank in Lorain?
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 Lorain?
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: June 10, 2026.
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