Safe Rate Rankings

Best Conventional 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	Product	Pull Through	Place	Avg Fees	Rate Spread	# of Loans
1	Old National BankBank	Exceptional	Exceptional	Exceptional	Strong	Sound	$152Credit	0.151%Above	19
2	Jackson County BankBank	Exceptional	Strong	Strong	Strong	Exceptional	$848Fees	0.055%Below	55
3	Centra Credit UnionCredit Union	Exceptional	Sound	Strong	Exceptional	Exceptional	$1,124Fees	0.242%Above	153
4	First Financial BankBank	Exceptional	Sound	Exceptional	Strong	Exceptional	$1,315Fees	0.387%Above	104
5	German American BankBank	Exceptional	Strong	Strong	Strong	Strong	$752Fees	0.010%Above	37
6	VANDERBILT MORTGAGE AND FINANCE, INC.Independent Mortgage Company	Strong	Sound	Exceptional	Strong	Strong	$5,613Fees	0.143%Above	57
7	RUOFF MORTGAGE COMPANY, INC.Independent Mortgage Company	Strong	Sound	Exceptional	Strong	Strong	$1,809Fees	0.471%Above	40
8	Union Savings BankBank	Strong	Sound	Exceptional	Strong	Strong	$725Fees	0.221%Above	38
9	Fifth Third Bank, National AssociationBank	Strong	Strong	Exceptional	Sound	Sound	$644Fees	0.398%Above	25
10	ROCKET MORTGAGE, LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Exceptional	Strong	$3,385Fees	0.557%Above	86
11	GVC MORTGAGE, INC.Independent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Strong	$2,437Fees	0.577%Above	79
12	CMG MORTGAGE, INC.Independent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Strong	$2,008Fees	0.594%Above	72
13	FAIRWAY INDEPENDENT MORTGAGE CORPORATIONIndependent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Strong	$3,063Fees	0.779%Above	36
14	UNITED WHOLESALE MORTGAGE, LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Exceptional	Sound	$2,575Fees	0.166%Above	17
15	LOANDEPOT.COM, LLCIndependent Mortgage Company	Strong	Sound	Exceptional	Strong	Acceptable	$2,636Fees	0.289%Above	10
16	NATIONSTAR MORTGAGE LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Sound	$2,732Fees	0.687%Above	14
17	Prosperity Home Mortgage, LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Sound	$1,417Fees	0.577%Above	14
18	FIRST COMMUNITY MORTGAGE, INC.Independent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Sound	$3,022Fees	0.891%Above	13
19	HALLMARK HOME MORTGAGE, LLCIndependent Mortgage Company	Strong	Mediocre	Exceptional	Strong	Strong	$1,998Fees	0.663%Above	60

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.