🛡️
Safe Rate's TrueRank Guarantee
Our rankings are earned, not bought. We analyze 2,347 lenders using federal HMDA data—no pay-to-play, no cherry-picking. You see the best options based on performance metrics, not advertising dollars.
Best Mortgage Lenders in Columbus
Updated February 5, 2026
Market Overview
185
Total Lenders
27,278
Total Loans
0.35%
Median Rate Spread
| Rank | Lender | Overall | Pricing | Pull Through | Place | Avg Fees | Spread | Volume | Action |
|---|---|---|---|---|---|---|---|---|---|
1 | VICTORY MORTGAGE, L.L.C. | Exceptional | Exceptional | Strong | Exceptional | $714 | -0.220% | 365 | |
2 | WRIGHT-PATT CREDIT UNION, INC. | Exceptional | Exceptional | Strong | Exceptional | $497 | -0.565% | 312 | |
3 | The Huntington National Bank | Exceptional | Strong | Strong | Exceptional | $377 | +0.229% | 1,337 | |
4 | Fifth Third Bank, National Association | Exceptional | Strong | Strong | Exceptional | $587 | +0.174% | 576 | |
5 | THE EQUITABLE MORTGAGE CORPORATION | Exceptional | Strong | Strong | Exceptional | $1,612 | +0.110% | 419 | |
6 | The State Bank and Trust Company | Exceptional | Strong | Strong | Exceptional | $1,361 | +0.023% | 256 | |
7 | TELHIO | Exceptional | Exceptional | Sound | Strong | $1,632 | -0.221% | 157 | |
8 | NAVY FEDERAL CREDIT UNION | Exceptional | Exceptional | Sound | Strong | $422 | -0.479% | 125 | |
9 | UNITED WHOLESALE MORTGAGE, LLC | Strong | Sound | Exceptional | Exceptional | $2,358 | +0.244% | 1,381 | |
10 | PNC Bank, National Association | Strong | Strong | Strong | Strong | $103 | +0.134% | 310 | |
11 | Third Federal Savings and Loan Association of Cleveland | Strong | Strong | Strong | Strong | $893 | -0.035% | 217 | |
12 | U.S. Bank National Association | Strong | Strong | Strong | Strong | $972 | +0.189% | 206 | |
13 | Heartland Bank | Strong | Strong | Sound | Exceptional | $1,039 | +0.243% | 176 | |
14 | Civista Bank | Strong | Strong | Strong | Strong | $931 | +0.090% | 116 | |
15 | KeyBank National Association | Strong | Strong | Strong | Strong | $1,098 | +0.203% | 109 | |
16 | First Merchants Bank | Strong | Strong | Strong | Strong | $1,433 | +0.093% | 102 | |
17 | Bank of America, National Association | Strong | Strong | Strong | Strong | $1,344 | -0.372% | 95 | |
18 | First Commonwealth Bank | Strong | Strong | Strong | Strong | $867 | +0.020% | 93 | |
19 | PROVIDENT FUNDING ASSOCIATES, L.P. | Strong | Exceptional | Sound | Sound | $1,177 | -0.120% | 71 | |
20 | First Federal Savings and Loan Association of Lakewood | Strong | Strong | Strong | Strong | $745 | +0.179% | 68 | |
21 | JPMorgan Chase Bank, National Association | Strong | Sound | Strong | Exceptional | $2,128 | +0.087% | 823 | |
22 | Union Savings Bank | Strong | Sound | Strong | Exceptional | $1,089 | +0.205% | 688 | |
23 | GUARANTEED RATE, INC. | Strong | Sound | Strong | Exceptional | $2,884 | +0.213% | 615 | |
24 | First Financial Bank | Strong | Sound | Strong | Exceptional | $1,506 | +0.367% | 453 | |
25 | RUOFF MORTGAGE COMPANY, INC. | Strong | Sound | Strong | Exceptional | $2,654 | +0.342% | 446 | |
26 | EQUITY RESOURCES, INC. | Strong | Sound | Strong | Exceptional | $1,521 | +0.287% | 319 | |
27 | The Union Bank Company | Strong | Strong | Sound | Strong | $1,014 | +0.164% | 154 | |
28 | ROCKET MORTGAGE, LLC | Strong | Acceptable | Exceptional | Exceptional | $3,967 | +0.358% | 1,760 | |
29 | NFM, INC. | Strong | Acceptable | Exceptional | Exceptional | $3,822 | +0.587% | 1,737 | |
30 | UNION HOME MORTGAGE CORP. | Strong | Acceptable | Exceptional | Exceptional | $3,229 | +0.714% | 1,042 | |
31 | FREEDOM MORTGAGE CORPORATION | Strong | Sound | Strong | Strong | $2,384 | +0.334% | 246 | |
32 | PENNYMAC LOAN SERVICES, LLC | Strong | Sound | Strong | Strong | $1,676 | +0.098% | 246 | |
33 | LOANDEPOT.COM, LLC | Strong | Sound | Strong | Strong | $3,752 | +0.438% | 149 | |
34 | THE VINTON COUNTY NATIONAL BANK | Strong | Sound | Strong | Strong | $552 | +0.124% | 145 | |
35 | WesBanco Bank, Inc. | Strong | Sound | Strong | Strong | $775 | +0.149% | 111 | |
36 | Wells Fargo Bank, National Association | Strong | Strong | Sound | Sound | $2,628 | +0.046% | 71 | |
37 | VANDERBILT MORTGAGE AND FINANCE, INC. | Strong | Sound | Exceptional | Sound | $3,576 | +0.054% | 62 | |
38 | CROSSCOUNTRY MORTGAGE, LLC | Strong | Acceptable | Strong | Exceptional | $3,642 | +0.633% | 1,116 | |
39 | LOWER, LLC | Strong | Acceptable | Strong | Exceptional | $3,262 | +0.562% | 701 | |
40 | M/I FINANCIAL, LLC | Strong | Acceptable | Strong | Exceptional | $2,695 | +0.077% | 654 | |
41 | The Park National Bank | Strong | Acceptable | Strong | Exceptional | $1,290 | +0.501% | 517 | |
42 | T2 FINANCIAL LLC | Strong | Acceptable | Exceptional | Strong | $3,146 | +0.472% | 299 | |
43 | FAIRWAY INDEPENDENT MORTGAGE CORPORATION | Strong | Acceptable | Exceptional | Strong | $3,151 | +0.607% | 282 | |
44 | MUTUAL OF OMAHA MORTGAGE, INC. | Strong | Sound | Sound | Strong | $1,809 | +0.233% | 181 | |
45 | DAS Acquisition Company, LLC | Strong | Acceptable | Exceptional | Strong | $3,680 | +0.563% | 138 | |
46 | Kemba Financial Credit Union Inc | Strong | Sound | Sound | Strong | $1,821 | -0.045% | 123 | |
47 | FIRST COMMUNITY MORTGAGE, INC. | Strong | Acceptable | Exceptional | Strong | $2,629 | +0.365% | 100 | |
48 | First Federal Savings and Loan Association | Strong | Sound | Sound | Strong | $1,196 | +0.048% | 93 | |
49 | HOMESPIRE MORTGAGE CORPORATION | Strong | Acceptable | Exceptional | Strong | $2,057 | +0.257% | 88 | |
50 | J. VIRGIL, INC. | Strong | Acceptable | Exceptional | Strong | $2,457 | +0.730% | 84 |
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)
10
Pricing
Rate and fee competitiveness (33%)
10
Pull Through
Reliability in closing loans (33%)
10
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.
Ready to find your perfect lender?
Get personalized recommendations based on your specific needs
Columbus, OH
No credit impact
3-minute process
100% free