Top Picks · Dayton
Best Mortgage Brokers in Dayton, OH
Rated and reviewed by real customers. Compare prices, read reviews, and call the top pros near you — for free.
As of July 2026, RatingsNearMe ranks 20 mortgage brokers in Dayton, OH by the RNM Score — a 0–100 rating built from Google ratings, review volume, sentiment, and profile completeness. The top-ranked is USA Mortgage with a 4.9-star rating from 422 Google reviews and an RNM Score of 98/100. Also in the top tier: PrimeLending, A PlainsCapital Company - Dayton and Todd Nerlinger. The average rating across all listed mortgage brokers in Dayton is 4.9 stars from 106 reviews per business on average.
Mortgage brokers in Dayton: 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.
Best Overall
Polaris Home Funding Corporation
Polaris Home Funding Corporation is top-ranked for its strong local reputation, competitive rates, and personalized service in Dayton.
Most Reviewed
Ruoff Mortgage - Dayton-South
A high number of reviews often indicates a large customer base and consistent service experience, which can provide more data points for future clients to evaluate.
When choosing a mortgage broker in Dayton, compare rates, fees, and customer feedback across multiple brokers, and consider working with a local expert who understands the Ohio housing market and can guide you through pre-approval and closing.
Local Market Snapshot
20
Businesses listed
4.9★
Avg rating
106
Avg reviews
Jul 4, 2026
Last updated
Top Rated Mortgage Brokers
Dayton's top-rated mortgage broker with 4.9 stars from over 400 Google reviews.
8075 Washington Village Dr, Dayton, OH 45458, USA4.9-star rating from over 330 Google reviews in Dayton, OH.
4404 Buckeye Ln D240, Beavercreek, OH 45440, USATrusted by hundreds of local clients with a perfect 5.0-star rating.
5651 Far Hills Ave, Dayton, OH 45459, USAMortgage Brokers Rankings in Dayton, OH
| # | Business | Rating | Reviews |
|---|---|---|---|
| #1 | USA Mortgage8075 Washington Village Dr, Dayton, OH 45458, USA | 4.9★ | 422 |
| #2 | PrimeLending, A PlainsCapital Company - Dayton4404 Buckeye Ln D240, Beavercreek, OH 45440, USA | 4.9★ | 331 |
| #3 | Todd Nerlinger5651 Far Hills Ave, Dayton, OH 45459, USA | 5.0★ | 215 |
| #4 | Taylor Perry - VanDyk Mortgage Corporation3979 Indian Ripple Rd, Beavercreek, OH 45440, USA | 5.0★ | 69 |
| #5 | Northern Mortgage - Home Loans by Bill Hudson70 Birch Alley suite 240, Beavercreek, OH 45440, USA | 4.9★ | 147 |
| #6 | A-Z Lending7542 McEwen Rd, Dayton, OH 45459, USA | 4.9★ | 107 |
| #7 | NFM Lending - Dayton, OH - Branch OH3453123 Research Blvd # 150, Kettering, OH 45420, USA | 5.0★ | 83 |
| #8 | The Mortgage Network of Ohio (NMLS ID 1742)8153 Garnet Dr, Centerville, OH 45458, USA | 5.0★ | 29 |
| #9 | Haley Swarts5151 Far Hills Ave, Dayton, OH 45429, USA | 5.0★ | 96 |
| #10 | Mark Myers Mortgage Team - Union Savings Bank5651 Far Hills Ave, Dayton, OH 45429, USA | 5.0★ | 80 |
Ranked by verified ratings & review volume · Data from Google Business listings · Updated July 2026
All Mortgage Brokers in Dayton
5.0 stars from 69 Google reviews, making them a trusted local mortgage choice.
3979 Indian Ripple Rd, Beavercreek, OH 45440, USA
Rated 4.9 stars from nearly 150 Google reviews, this local broker excels.
70 Birch Alley suite 240, Beavercreek, OH 45440, USA
Rated 4.9 stars from over 100 Google reviews by Dayton clients.
7542 McEwen Rd, Dayton, OH 45459, USA
Dayton's top-rated mortgage broker with 5.0 stars from 83 reviews.
3123 Research Blvd # 150, Kettering, OH 45420, USA
Dayton's top-rated mortgage broker with a perfect 5.0★ score from 29 reviews.
8153 Garnet Dr, Centerville, OH 45458, USA
Rated 5.0 stars from 96 Google reviews by local clients in Dayton.
5151 Far Hills Ave, Dayton, OH 45429, USA
Dayton's top-rated mortgage broker with a perfect 5.0★ score from 80 reviews.
5651 Far Hills Ave, Dayton, OH 45429, USA
Dayton's top-rated mortgage broker with a perfect 5.0★ rating from 67 reviews.
1430 Oak Ct # 306, Beavercreek, OH 45430, USA
Dayton's top-rated mortgage broker with 4.8 stars from over 130 reviews.
3017 Sudbury Dr suite a, Kettering, OH 45420, USA
Top-rated Dayton mortgage broker with a 4.9-star rating from 47 reviews.
5600 Kentshire Dr #209, Kettering, OH 45440, USA
Dayton mortgage broker with a perfect 5.0-star rating from 65 Google reviews.
513 Windsor Park Dr c, Dayton, OH 45459, USA
Trusted by locals with a strong 4.7★ rating from 50 Google reviews.
1522 Miamisburg Centerville Rd, Dayton, OH 45459, USA
5.0-star mortgage broker in Dayton, OH with glowing reviews from dozens of clients.
8075 Washington Village Dr, Dayton, OH 45458, USA
5.0 stars from 6 Google reviews, reflecting consistent client satisfaction.
8075 Washington Village Dr, Dayton, OH 45458, USA
Rated 4.9 stars from 90 reviews, this Dayton mortgage broker is highly trusted.
14 W First St, Dayton, OH 45402, USA
5.0-star rating from 25 Google reviews for a Dayton mortgage broker.
5450 Far Hills Ave Suite 220, Dayton, OH 45429, USA
Top-rated Dayton mortgage broker with 4.6 stars from 17 glowing reviews.
7777 Washington Village Dr Suite 300, Washington Township, OH 45459, USA
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Mortgage Brokers in Dayton, OH — Compared
| # | Business | RNM Score | Rating | Reviews |
|---|---|---|---|---|
| 1 | USA Mortgage | 98/100 | 4.9 ★ | 422 |
| 2 | PrimeLending, A PlainsCapital Company - Dayton | 98/100 | 4.9 ★ | 331 |
| 3 | Todd Nerlinger | 99/100 | 5.0 ★ | 215 |
| 4 | Taylor Perry - VanDyk Mortgage Corporation | 81/100 | 5.0 ★ | 69 |
| 5 | Northern Mortgage - Home Loans by Bill Hudson | 84/100 | 4.9 ★ | 147 |
| 6 | A-Z Lending | 82/100 | 4.9 ★ | 107 |
| 7 | NFM Lending - Dayton, OH - Branch OH345 | 82/100 | 5.0 ★ | 83 |
| 8 | The Mortgage Network of Ohio (NMLS ID 1742) | 77/100 | 5.0 ★ | 29 |
| 9 | Haley Swarts | 83/100 | 5.0 ★ | 96 |
| 10 | Mark Myers Mortgage Team - Union Savings Bank | 82/100 | 5.0 ★ | 80 |
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 Dayton
What does a mortgage broker do differently than going directly to a bank in Dayton?
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 Dayton?
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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