Safe Rate Rankings

Best Conventional 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	Product	Pull Through	Place	Avg Fees	Rate Spread	# of Loans
1	NAVY FEDERAL CREDIT UNIONCredit Union	Exceptional	Exceptional	Exceptional	Sound	Strong	$914Fees	0.619%Below	65
2	ARK-LA-TEX FINANCIAL SERVICES, LLC.Independent Mortgage Company	Exceptional	Sound	Exceptional	Strong	Exceptional	$3,798Fees	0.241%Above	134
3	Truist BankBank	Exceptional	Strong	Exceptional	Strong	Sound	$1,816Fees	0.249%Above	20
4	ROCKET MORTGAGE, LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Exceptional	Exceptional	$3,672Fees	0.442%Above	265
5	Synovus BankBank	Strong	Sound	Strong	Strong	Exceptional	$2,375Fees	0.155%Above	206
6	UNITED WHOLESALE MORTGAGE, LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Exceptional	Exceptional	$1,996Fees	0.008%Below	201
7	Northpointe BankBank	Strong	Sound	Exceptional	Strong	Strong	$2,190Fees	0.108%Above	84
8	VANDERBILT MORTGAGE AND FINANCE, INC.Independent Mortgage Company	Strong	Sound	Exceptional	Strong	Strong	$2,100Fees	0.251%Above	77
9	Wells Fargo Bank, National AssociationBank	Strong	Strong	Exceptional	Sound	Sound	$2,241Fees	0.292%Above	36
10	Stifel Bank and TrustBank	Strong	Strong	Strong	Strong	Sound	$593Fees	0.075%Below	13
11	CMG MORTGAGE, INC.Independent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Exceptional	$3,016Fees	0.287%Above	190
12	RUOFF MORTGAGE COMPANY, INC.Independent Mortgage Company	Strong	Sound	Exceptional	Strong	Sound	$2,701Fees	0.258%Above	35
13	Trustmark National BankBank	Strong	Sound	Exceptional	Strong	Sound	$2,052Fees	0.099%Below	23
14	JPMorgan Chase Bank, National AssociationBank	Strong	Sound	Exceptional	Strong	Sound	$2,247Fees	0.182%Above	19
15	CANOPY MORTGAGE, LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Sound	Exceptional	$4,311Fees	0.288%Above	312
16	CROSSCOUNTRY MORTGAGE, LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Strong	$2,893Fees	0.550%Above	119
17	GUILD MORTGAGE COMPANY LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Strong	$3,142Fees	0.214%Above	77
18	MOVEMENT MORTGAGE, LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Strong	$2,232Fees	0.352%Above	76
19	FAIRWAY INDEPENDENT MORTGAGE CORPORATIONIndependent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Strong	$4,046Fees	0.589%Above	57
20	GUARANTEED RATE, INC.Independent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Strong	$2,594Fees	0.264%Above	45
21	Renasant BankBank	Strong	Acceptable	Exceptional	Strong	Strong	$2,996Fees	0.306%Above	41
22	COLONY BANKBank	Strong	Sound	Strong	Strong	Sound	$705Fees	0.176%Above	12
23	NEW AMERICAN FUNDING, LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Sound	Strong	$2,289Fees	0.518%Above	80
24	USAA Federal Savings BankBank	Strong	Sound	Strong	Acceptable	Strong	$1,390Fees	0.146%Below	41
25	NATIONSTAR MORTGAGE LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Sound	$2,555Fees	0.451%Above	25
26	Flagstar Bank, N.A.Bank	Strong	Acceptable	Exceptional	Strong	Sound	$2,009Fees	0.312%Above	18
27	GoodLeap, LLCIndependent Mortgage Company	Strong	Sound	Strong	Sound	Sound	$2,140Fees	0.093%Below	14
28	NEWREZ LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Sound	Sound	$2,829Fees	0.535%Above	20
29	INTERLINC MORTGAGE SERVICES, LLCIndependent Mortgage Company	Strong	Acceptable	Strong	Strong	Sound	$2,816Fees	0.461%Above	19
30	ROYAL UNITED MORTGAGE LLCIndependent Mortgage Company	Sound	Mediocre	Strong	Strong	Sound	$2,599Fees	1.456%Above	16
31	AMERISAVE MORTGAGE CORPORATIONIndependent Mortgage Company	Sound	Mediocre	Strong	Acceptable	Sound	$3,589Fees	0.682%Above	17

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 40 Points)

Pricing

Rate and fee competitiveness (25%)

Pull Through

Reliability in closing loans (25%)

Product

Specialization in the loan type (25%)

Place

Local market expertise (25%)

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.