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Winona, OH

The Best Mortgage Lenders in Winona, OH

Compare verified mortgage lenders serving Winona, Ohio. Find competitive rates on conventional, FHA, VA, and jumbo loans from experienced professionals.

3
Top Lenders
4.7
Avg Rating
750+
Reviews
10
Loan Types

Available Loan Programs in Winona

Conventional
FHA
VA
USDA
Jumbo
Construction
Refinance
HomeReady
HELOC
Renovation

Featured Mortgage Lenders

1

Farmers National Bank of Canfield

Farmers National Bank of Canfield

★★★★☆
4.8/5

As one of Ohio's most established community banks, Farmers National Bank has served the Winona area and surrounding communities for over a century. They offer personalized mortgage services with local decision-making, competitive rates, and deep community roots. Their mortgage team provides comprehensive guidance through the entire home financing process, from pre-approval to closing. With multiple branches throughout the region and a reputation for exceptional customer service, they're a top choice for homebuyers seeking local expertise with the stability of a long-standing financial institution.

Experience:138 years
Reviews:150 customer reviews
20 S Broad Street, Canfield, OH 44406

Loan Types:

ConventionalFHAVAUSDAJumboConstructionRefinance
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2

Huntington Bank Mortgage

Huntington National Bank

★★★★☆
4.6/5

Huntington Bank maintains a strong presence throughout Ohio, including service to the Winona area through their nearby North Lima branch. They offer competitive mortgage rates and a wide variety of loan programs, including their popular "Huntington Standup Fixed-Rate Mortgage" with low down payment options. Their digital mortgage application process is highly rated, and they provide dedicated local mortgage bankers who understand the Ohio housing market. With extensive branch networks and ATMs throughout the region, they combine digital convenience with local service.

Experience:157 years
Reviews:400 customer reviews
9175 Market Street, North Lima, OH 44452

Loan Types:

ConventionalFHAVAUSDAJumboHomeReadyRefinanceHELOC
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3

Union Home Mortgage

Union Home Mortgage Corp.

★★★★☆
4.7/5

Union Home Mortgage is an Ohio-based mortgage lender with a strong regional presence that serves the Winona area. Founded in Strongsville, Ohio, they've grown to become one of the Midwest's premier mortgage companies while maintaining their local focus. They offer competitive rates and a comprehensive suite of loan products, with particular expertise in first-time homebuyer programs and construction lending. Their local loan officers provide personalized service and deep knowledge of the Northeast Ohio market, making them a top choice for buyers seeking experienced mortgage professionals who understand local property values and market conditions.

Experience:40 years
Reviews:200 customer reviews
2345 Enterprise Parkway, Twinsburg, OH 44087

Loan Types:

ConventionalFHAVAUSDAJumboConstructionRenovationRefinance
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Frequently Asked Questions

Common questions about mortgage lending in Winona, OH

Are there any special mortgage programs for first-time homebuyers in Winona, OH?

Yes, the Ohio Housing Finance Agency (OHFA) offers several statewide programs, including down payment assistance grants and competitive first-time homebuyer loans, which are accessible to Winona residents. Additionally, local lenders often have knowledge of county-specific initiatives in Columbiana County that can provide additional support for qualifying buyers in this rural market.

How do property taxes in Winona, OH, affect my monthly mortgage payment?

Columbiana County, where Winona is located, has relatively moderate property tax rates compared to urban Ohio areas. Your lender will estimate these taxes for escrow, but it's wise to verify the exact millage rates with the county auditor, as they can vary slightly between townships and directly impact your total monthly PITI payment.

What is a typical down payment percentage needed for a home in Winona's market?

While 20% down is standard to avoid private mortgage insurance (PMI), many buyers in Winona's affordable market utilize FHA loans with down payments as low as 3.5% or conventional loans with 3% down. Given the lower median home prices in this area, saving for a down payment is often more achievable than in larger Ohio cities.

Does Winona's rural location affect mortgage lender options or interest rates?

Winona's rural setting means fewer local bank branches, but you have access to lenders throughout Columbiana County and online nationwide. Interest rates are primarily set by national markets, so your rate will be more influenced by your credit profile than your location, though working with an Ohio-based lender can provide better insight into local programs.

Are USDA rural development loans available for homes in Winona, Ohio?

Absolutely. Winona's designation as a rural area makes most properties eligible for USDA Section 502 loans, which offer 100% financing (no down payment) for qualified buyers with moderate incomes. This is a highly relevant and popular option for financing a home in this community, given its eligibility.

Nearby Cities

Explore mortgage lenders in cities near Winona, OH

Why Choose a Mortgage Lender in Winona?

Local Market Knowledge

Lenders who understand Winona's housing market can offer better guidance and competitive rates.

Multiple Loan Options

Access to conventional, FHA, VA, USDA, and jumbo loans tailored to your financial situation.

Proven Track Record

Work with lenders who have years of experience and hundreds of satisfied customers in Ohio.

Ready to Find Your Perfect Mortgage Lender?

Connect with top-rated mortgage professionals in Winona and get competitive rates on your home loan.