Top 3 Mortgage Lenders in Clay Center

Union Home Mortgage has been serving Northwest Ohio communities for over 50 years and is particularly strong in rural areas like Clay Center. Scott B. Smith, based in nearby Bowling Green, has exceptional reviews for his expertise with rural property financing and USDA loans, which are particularly relevant for Clay Center residents. The company maintains an A+ BBB rating and is known for personalized service and competitive rates for first-time homebuyers and rural property purchases.

As a community bank with deep roots in Ottawa County and surrounding areas, GenoaBank has extensive experience serving rural communities like Clay Center. They offer local underwriting and decision-making, which provides faster closings and more flexible terms for rural properties. Tim Brossia and his team are highly rated for their knowledge of local market conditions and personalized approach to mortgage lending, particularly for agricultural and rural residential properties.

Directions Credit Union serves multiple counties in Northwest Ohio and has specific expertise with rural property financing. They offer competitive rates for members throughout the region, including Clay Center residents. Their mortgage team receives high marks for educational approach and guidance through the entire homebuying process. The credit union is particularly strong with first-time homebuyer programs and offers flexible underwriting for rural properties that larger national lenders might decline.