Safe Rate Rankings

Best All Lender Mortgage Lenders in Columbus

Updated May 22, 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 Lenders23

Total Loans1,002

Median Rate Spread0.44%

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Rank	Lender	Overall	Pricing	Pull Through	Place	Avg Fees	Rate Spread	# of Loans
1	Centra Credit UnionCredit Union	Strong	Sound	Exceptional	Exceptional	$1,124Fees	0.242%Above	153
2	Jackson County BankBank	Strong	Strong	Sound	Exceptional	$848Fees	0.055%Below	55
3	First Financial BankBank	Strong	Sound	Strong	Exceptional	$1,315Fees	0.387%Above	104
4	VANDERBILT MORTGAGE AND FINANCE, INC.Independent Mortgage Company	Strong	Sound	Exceptional	Strong	$5,613Fees	0.143%Above	57
5	German American BankBank	Strong	Strong	Sound	Strong	$752Fees	0.010%Above	37
6	Fifth Third Bank, National AssociationBank	Strong	Strong	Strong	Sound	$644Fees	0.398%Above	25
7	RUOFF MORTGAGE COMPANY, INC.Independent Mortgage Company	Strong	Sound	Strong	Strong	$1,809Fees	0.471%Above	40
8	Union Savings BankBank	Strong	Sound	Strong	Strong	$725Fees	0.221%Above	38
9	ROCKET MORTGAGE, LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Strong	$3,385Fees	0.557%Above	86
10	CMG MORTGAGE, INC.Independent Mortgage Company	Strong	Acceptable	Exceptional	Strong	$2,008Fees	0.594%Above	72
11	FAIRWAY INDEPENDENT MORTGAGE CORPORATIONIndependent Mortgage Company	Strong	Acceptable	Exceptional	Strong	$3,063Fees	0.779%Above	36
12	FREEDOM MORTGAGE CORPORATIONIndependent Mortgage Company	Strong	Sound	Strong	Sound	$1,263Fees	0.421%Above	27
13	GVC MORTGAGE, INC.Independent Mortgage Company	Sound	Mediocre	Exceptional	Strong	$2,437Fees	0.577%Above	79
14	HALLMARK HOME MORTGAGE, LLCIndependent Mortgage Company	Sound	Mediocre	Exceptional	Strong	$1,998Fees	0.663%Above	60
15	Mortgage Research Center, LLCIndependent Mortgage Company	Sound	Acceptable	Strong	Sound	$457Fees	0.228%Above	23

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.