Mortgage Lenders and Brokers in Ottawa, Ohio
Brian McKay
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iEditorial Disclosure
Editorial DisclosureLender lists come from federal HMDA loan data. Average rates come from our daily monitoring network. Editorial content is independent of any advertiser relationships.
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✓Fact Checked
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Loan Rates Last Updated and Verified: October 7, 2026
Ottawa, Ohio mortgage lenders include The Union Bank CompanyThe Union Bank Company245 W Main St, Ottawa, OH 45875A+5.0 ★Texas Ratio: 0.68%, Huntington National BankHuntington National Bank332 E Main St, Ottawa, OH 45875A+5.0 ★Texas Ratio: 3.66%, First National Bank of PandoraFirst National Bank of Pandora855 N Locust St, Ottawa, OH 45875A+5.0 ★Texas Ratio: 2.48%, Wesbanco Bank, Inc.Wesbanco Bank, Inc.405 E Main St, Ottawa, OH 45875A+5.0 ★Texas Ratio: 3.87%, Superior Credit Union, Inc.Superior Credit Union, Inc.1381 N Perry ST, Ottawa, OH 45875A+5.0 ★Texas Ratio: 0.82%, Fifth Third Bank, National AssociationFifth Third Bank, National Association1308 North Reynolds Rd, Adams Township, OH 43615A+5.0 ★Texas Ratio: 3.22%, The Farmers & Merchants State BankThe Farmers & Merchants State Bank403 S Pike St, Anna, OH 45302A+5.0 ★Texas Ratio: 1.84%, Wright Patt Credit Union IncWright Patt Credit Union Inc1506 N Fairfield Rd, Beavercreek, OH 45432 2737A5.0 ★Texas Ratio: 6.22%, The Citizens National BankThe Citizens National Bank102 S Main St, Bluffton, OH 45817A+5.0 ★Texas Ratio: 5.51%, and The State Bank & Trust CompanyThe State Bank & Trust Company1232 N Main St, Bowling Green, OH 43402A+5.0 ★Texas Ratio: 1.99%. Banks, credit unions and mortgage companies are listed together, with FHA, VA and local options flagged for quick comparison.
Lenders are ranked only by the number of home loans they closed in Ottawa, Ohio in 2025, as reported under the federal Home Mortgage Disclosure Act. No lender pays for a higher spot. Lenders based in Ottawa are listed first, then lenders elsewhere in Ohio, then lenders from other states that closed loans there. Banks and credit unions carry a MonitorBankRates health grade, star rating and Texas Ratio, so you can judge how financially sound they are. Mortgage companies have no deposits to rate, so compare their loan programs, median loan and borrower reviews instead. Compare at least three lenders and ask each for a written loan estimate before you choose.
Mortgage Lenders and Brokers in Ottawa, Ohio
Market share is the lender's share of all home loans closed in Ottawa, Ohio. Approval share is approvals divided by completed applications. Grade is the MonitorBankRates Health and Safety Grade, available for banks and credit unions only. Average loan is the lender's mean loan amount here.
| Lender | Programs | Loans closed | Market share | Approval share | Average loan | View |
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1 office in Ottawa 245 W Main St, Ottawa, OH 45875 A+5.0 ★Texas Ratio: 0.68% |
Conventional, FHA | 36 | 24.8% | 90.2% | $121,666 | View |
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1 office in Ottawa 332 E Main St, Ottawa, OH 45875 A+5.0 ★Texas Ratio: 3.66% |
Conventional, FHA, HELOC | 7 +9 HELOCs |
4.8% | 100% | $186,428 | View |
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1 office in Ottawa 855 N Locust St, Ottawa, OH 45875 A+5.0 ★Texas Ratio: 2.48% |
Conventional | 5 | 3.4% | 100% | $371,000 | View |
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1 office in Ottawa 405 E Main St, Ottawa, OH 45875 A+5.0 ★Texas Ratio: 3.87% |
Conventional, HELOC | 1 +3 HELOCs |
0.7% | 100% | $375,000 | View |
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1381 N Perry ST, Ottawa, OH 45875 A+5.0 ★Texas Ratio: 0.82% |
Conventional, HELOC | 46 +30 HELOCs |
31.7% | 95.8% | $270,217 | View |
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1308 North Reynolds Rd, Adams Township, OH 43615 A+5.0 ★Texas Ratio: 3.22% |
Conventional, HELOC | 2 +1 HELOCs |
1.4% | 100% | $120,000 | View |
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★ 4 stars, 1 review 403 S Pike St, Anna, OH 45302 A+5.0 ★Texas Ratio: 1.84% |
Conventional | 1 | 0.7% | 100% | $135,000 | View |
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1506 N Fairfield Rd, Beavercreek, OH 45432 2737 A5.0 ★Texas Ratio: 6.22% |
Conventional | 1 | 0.7% | 100% | $295,000 | View |
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102 S Main St, Bluffton, OH 45817 A+5.0 ★Texas Ratio: 5.51% |
Conventional | 1 | 0.7% | 50% | $165,000 | View |
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1232 N Main St, Bowling Green, OH 43402 A+5.0 ★Texas Ratio: 1.99% |
Conventional | 1 | 0.7% | 100% | $135,000 | View |
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2147 East Ave, Akron, OH 44314 A+5.0 ★Texas Ratio: 5.44% |
HELOC | 0 +2 HELOCs |
0% | n/a | View | |
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528 S Main St, Ada, OH 45810 A+5.0 ★Texas Ratio: 2.85% |
HELOC | 0 +1 HELOCs |
0% | n/a | View | |
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2923 Smith Rd, Akron, OH 44333 A+5.0 ★Texas Ratio: 3.21% |
HELOC | 0 +1 HELOCs |
0% | n/a | View | |
Ag Credit, ACA
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Conventional | 6 | 4.1% | 100% | $231,666 | |
Schumacher Mortgage LLC
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Conventional, FHA | 3 | 2.1% | 100% | $461,666 | |
The Equitable Mortgage Corporation
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Conventional | 1 | 0.7% | 100% | $265,000 | |
T2 Financial LLC
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Conventional | 1 | 0.7% | 100% | $255,000 | |
loanDepot.com LLC
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Conventional, FHA, VA, USDA | 11 | 7.6% | 91.7% | $195,000 | |
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A5.0 ★Texas Ratio: 7.37% |
Conventional | 5 | 3.4% | 100% | $441,000 | View |
United Wholesale Mortgage
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Conventional, VA | 2 | 1.4% | 100% | $175,000 | |
Rocket Mortgage
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Conventional | 2 | 1.4% | 40% | $120,000 | |
Lakeview Loan Servicing, LLC
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Conventional, VA | 2 | 1.4% | 100% | $240,000 | |
Mortgage Research Center
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VA | 2 | 1.4% | 66.7% | $280,000 | |
Partners 1St Federal Credit Union
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Conventional, HELOC | 1 +1 HELOCs |
0.7% | 100% | $65,000 | |
Freedom Mortgage Corporation
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VA | 1 | 0.7% | 100% | $275,000 | |
Newrez LLC
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Conventional | 1 | 0.7% | 50% | $135,000 | |
Pennymac Loan Services LLC
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Conventional | 1 | 0.7% | 50% | $45,000 | |
Churchill Mortgage Corporation
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FHA | 1 | 0.7% | 100% | $275,000 | |
Nationstar Mortgage
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Conventional | 1 | 0.7% | 100% | $205,000 | |
Farm Credit Mid-America, Aca
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Conventional | 1 | 0.7% | 100% | $265,000 | |
Carrington Mortgage Services LLC
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VA | 1 | 0.7% | 50% | $175,000 | |
Spring Eq, LLC
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Conventional | 1 | 0.7% | 100% | $25,000 | |
Figure Lending LLC
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HELOC | 0 +2 HELOCs |
0% | n/a |
Ottawa Mortgage Rate Trends
Daily average mortgage rates for Ohio compared with the national average, updated every evening.
Mortgage Lenders and Mortgage Brokers Near Me in Ottawa, Ohio
Looking for mortgage lenders near me or mortgage brokers near me in Ottawa? The list below shows the banks, credit unions and mortgage brokers that closed home loans in Ottawa in 2025, with lenders based there listed first.
Types of Mortgage Lenders in Ottawa, OH
Use these to narrow the list above. Each category shows how many Ottawa, OH lenders fit and what that kind of lender is usually best for.
Who Lends in Ottawa, OH
Independent mortgage companies closed 26.2 percent of home loans in Ottawa, Ohio in 2025, banks 40.7 percent and credit unions 33.1 percent. Ag Credit, ACA was the largest mortgage company, The Union Bank Company the largest bank and Superior Credit Union, Inc. the largest credit union. Among lenders headquartered in Ohio, The Union Bank Company led with 36 loans.
How to Read This List
A high approval share with a small median loan usually points to a lender comfortable with first time and FHA borrowers. A large median loan with conventional and jumbo programs points to a move up and jumbo specialist. The health grade says whether a bank or credit union is financially sound; it says nothing about service, which is what the reviews below are for.
Title or escrow companies usually handle closings in Ohio. State real property conveyance fee of $1 per $1,000 plus a permissive county fee of up to $3 per $1,000, for a total of up to $4 per $1,000 (0.4 percent), customarily paid by the seller; no mortgage recording tax.
More Ohio Mortgage Lender Pages
Frequently Asked Questions About Mortgage Lenders in Ottawa, OH
By home loans closed in 2025, The Union Bank Company was the largest mortgage lender in Ottawa, Ohio with 36 loans, about 24.8 percent of the market. Source: Home Mortgage Disclosure Act data for 2025, published by the FFIEC and CFPB.
5 lenders closed FHA loans in Ottawa, Ohio in 2025, led by The Union Bank Company with 1. 6 lenders closed VA loans, led by loanDepot.com LLC, and 1 closed USDA rural loans. Use the FHA and VA filters above the table to see only those lenders; FHA loans allow 3.5 percent down and lower credit scores, VA loans need no down payment for eligible veterans. Source: Home Mortgage Disclosure Act data for 2025, published by the FFIEC and CFPB.
Yes. 12 banks and 3 credit unions closed home loans in Ottawa, Ohio in 2025, alongside 18 independent mortgage companies and brokers. Banks and credit unions carry a MonitorBankRates health grade. Mortgage companies are not deposit institutions, so they have no health grade; their HMDA figures and borrower reviews stand in. Source: Home Mortgage Disclosure Act data for 2025, published by the FFIEC and CFPB.
Lenders are ranked only by the number of home loans they closed in Ottawa, Ohio during 2025 as reported under the federal Home Mortgage Disclosure Act. No lender pays to be listed or to rank higher, and reviews do not change the order. Counts cover first and second lien loans on one to four unit homes for purchase, refinance and home improvement; home equity lines are counted separately.
Methodology and Sources
Lender rankings use the loan level records that lenders file under the Home Mortgage Disclosure Act, published by the FFIEC and the Consumer Financial Protection Bureau for the 2025 reporting year. Counts include originated first and subordinate lien loans on one to four unit homes in Ottawa, Ohio for purchase, refinance and other purposes; home equity lines of credit are counted separately and reverse mortgages and business purpose loans are excluded. Approval share is originations plus approved but not accepted applications divided by all completed applications (withdrawn and incomplete files are excluded). Lender type comes from the lender's federal regulator and the FFIEC National Information Center. City figures use the Census tracts that make up Ottawa. Health grades are MonitorBankRates data and are current as of the date shown. Lenders below the HMDA reporting thresholds do not appear. MonitorBankRates receives no payment for placement on this page. Last updated October 8, 2026.
