Safe Rate Rankings

Best All Lender Mortgage Lenders in Columbus

Updated May 26, 2026

⚖️ The 4 PsRankings are calculated based on observed lender differences on closed loans across Pricing, Pull-through, Product, and Place.

🛡️ No Pay to PlayLenders cannot buy their way to the top. Rankings are 100% earned.

📊 HMDA 2024Built using publicly available originated loan data from the federal government.

🎯 Peer BenchmarkedPerformance is normalized and benchmarked against peer institutions.

Market

Total Lenders44

Total Loans2,891

Median Rate Spread0.33%

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Rank	Lender	Overall	Pricing	Pull Through	Place	Avg Fees	Rate Spread	# of Loans
1	NAVY FEDERAL CREDIT UNIONCredit Union	Exceptional	Exceptional	Sound	Strong	$914Fees	0.619%Below	65
2	UNITED WHOLESALE MORTGAGE, LLCIndependent Mortgage Company	Strong	Sound	Exceptional	Exceptional	$1,996Fees	0.008%Below	201
3	ARK-LA-TEX FINANCIAL SERVICES, LLC.Independent Mortgage Company	Strong	Sound	Exceptional	Exceptional	$3,798Fees	0.241%Above	134
4	Synovus BankBank	Strong	Sound	Strong	Exceptional	$2,375Fees	0.155%Above	206
5	VANDERBILT MORTGAGE AND FINANCE, INC.Independent Mortgage Company	Strong	Sound	Exceptional	Strong	$2,100Fees	0.251%Above	77
6	Truist BankBank	Strong	Strong	Strong	Sound	$1,816Fees	0.249%Above	20
7	ROCKET MORTGAGE, LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Exceptional	$3,672Fees	0.442%Above	265
8	CMG MORTGAGE, INC.Independent Mortgage Company	Strong	Acceptable	Exceptional	Exceptional	$3,016Fees	0.287%Above	190
9	Northpointe BankBank	Strong	Sound	Strong	Strong	$2,190Fees	0.108%Above	84
10	FREEDOM MORTGAGE CORPORATIONIndependent Mortgage Company	Strong	Sound	Strong	Strong	$2,720Fees	0.367%Above	69
11	GUARANTEED RATE, INC.Independent Mortgage Company	Strong	Sound	Strong	Strong	$2,594Fees	0.264%Above	45
12	Wells Fargo Bank, National AssociationBank	Strong	Strong	Sound	Sound	$2,241Fees	0.292%Above	36
13	Trustmark National BankBank	Strong	Sound	Exceptional	Sound	$2,052Fees	0.099%Below	23
14	CANOPY MORTGAGE, LLCIndependent Mortgage Company	Strong	Acceptable	Strong	Exceptional	$4,311Fees	0.288%Above	312
15	Mortgage Research Center, LLCIndependent Mortgage Company	Strong	Acceptable	Strong	Exceptional	$1,091Fees	0.909%Above	256
16	GUILD MORTGAGE COMPANY LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Strong	$3,142Fees	0.214%Above	77
17	MOVEMENT MORTGAGE, LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Strong	$2,232Fees	0.352%Above	76
18	FAIRWAY INDEPENDENT MORTGAGE CORPORATIONIndependent Mortgage Company	Strong	Acceptable	Exceptional	Strong	$4,046Fees	0.589%Above	57
19	Renasant BankBank	Strong	Acceptable	Exceptional	Strong	$2,996Fees	0.306%Above	41
20	USAA Federal Savings BankBank	Strong	Sound	Sound	Strong	$1,390Fees	0.146%Below	41
21	RUOFF MORTGAGE COMPANY, INC.Independent Mortgage Company	Strong	Sound	Strong	Sound	$2,701Fees	0.258%Above	35
22	PENNYMAC LOAN SERVICES, LLCIndependent Mortgage Company	Strong	Sound	Strong	Sound	$2,083Fees	0.331%Below	34
23	LOANDEPOT.COM, LLCIndependent Mortgage Company	Strong	Sound	Strong	Sound	$2,944Fees	0.361%Above	28
24	CROSSCOUNTRY MORTGAGE, LLCIndependent Mortgage Company	Strong	Acceptable	Strong	Strong	$2,893Fees	0.550%Above	119
25	NEW AMERICAN FUNDING, LLCIndependent Mortgage Company	Sound	Acceptable	Sound	Strong	$2,289Fees	0.518%Above	80
26	NATIONSTAR MORTGAGE LLCIndependent Mortgage Company	Sound	Acceptable	Strong	Sound	$2,555Fees	0.451%Above	25
27	NEWREZ LLCIndependent Mortgage Company	Sound	Acceptable	Sound	Sound	$2,829Fees	0.535%Above	20
28	NEW DAY FINANCIAL, LLCIndependent Mortgage Company	Sound	Mediocre	Acceptable	Sound	$5,320Fees	0.957%Above	35

How We Rank Lenders

Our rankings use geometric mean scoring across equally-weighted categories. This rewards lenders who perform consistently well across all metrics, not just excel in one area.

Our Point System (Max 30 Points)

Pricing

Rate and fee competitiveness (33%)

Pull Through

Reliability in closing loans (33%)

Place

Local market expertise (33%)

Data Integrity & Updates

Data is updated quarterly based on the latest HMDA filings and proprietary SafeRate analysis. All metrics are calculated using standardized methodologies to ensure fair comparison across lenders.