Safe Rate Rankings

Best Conventional Mortgage Bank Lenders in Columbus

Updated February 5, 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 Lenders24

Total Loans27,278

Median Rate Spread0.35%

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Rank	Lender	Overall	Pricing	Product	Pull Through	Place	Avg Fees	Rate Spread	# of Loans
1	The Huntington National BankBank	Exceptional	Strong	Exceptional	Strong	Exceptional	$377Fees	0.229%Above	1,337
2	Fifth Third Bank, National AssociationBank	Exceptional	Strong	Exceptional	Sound	Exceptional	$587Fees	0.174%Above	576
3	PNC Bank, National AssociationBank	Exceptional	Strong	Exceptional	Strong	Strong	$103Fees	0.134%Above	310
4	The State Bank and Trust CompanyBank	Exceptional	Strong	Strong	Strong	Exceptional	$1,361Fees	0.023%Above	256
5	Third Federal Savings and Loan Association of ClevelandBank	Exceptional	Strong	Exceptional	Strong	Strong	$893Fees	0.035%Below	217
6	U.S. Bank National AssociationBank	Exceptional	Strong	Exceptional	Strong	Strong	$972Fees	0.189%Above	206
7	KeyBank National AssociationBank	Exceptional	Strong	Exceptional	Strong	Strong	$1,098Fees	0.203%Above	109
8	First Merchants BankBank	Exceptional	Strong	Exceptional	Strong	Strong	$1,433Fees	0.093%Above	102
9	Bank of America, National AssociationBank	Exceptional	Strong	Exceptional	Strong	Strong	$1,344Fees	0.372%Below	95
10	JPMorgan Chase Bank, National AssociationBank	Exceptional	Sound	Exceptional	Strong	Exceptional	$2,128Fees	0.087%Above	823
11	Union Savings BankBank	Exceptional	Sound	Exceptional	Strong	Exceptional	$1,089Fees	0.205%Above	688
12	First Financial BankBank	Exceptional	Sound	Exceptional	Strong	Exceptional	$1,506Fees	0.367%Above	453
13	Civista BankBank	Exceptional	Strong	Strong	Strong	Strong	$931Fees	0.090%Above	116
14	First Federal Savings and Loan Association of LakewoodBank	Exceptional	Strong	Strong	Strong	Strong	$745Fees	0.179%Above	68
15	Heartland BankBank	Strong	Strong	Sound	Sound	Exceptional	$1,039Fees	0.243%Above	176
16	The Union Bank CompanyBank	Strong	Strong	Sound	Strong	Strong	$1,014Fees	0.164%Above	154
17	WesBanco Bank, Inc.Bank	Strong	Sound	Exceptional	Strong	Strong	$775Fees	0.149%Above	111
18	First Commonwealth BankBank	Strong	Sound	Exceptional	Strong	Strong	$867Fees	0.020%Above	93
19	Wells Fargo Bank, National AssociationBank	Strong	Strong	Exceptional	Sound	Sound	$2,628Fees	0.046%Above	71
20	The Park National BankBank	Strong	Acceptable	Exceptional	Strong	Exceptional	$1,290Fees	0.501%Above	517
21	Flagstar Bank, N.A.Bank	Strong	Acceptable	Exceptional	Strong	Strong	$2,440Fees	0.518%Above	141
22	THE VINTON COUNTY NATIONAL BANKBank	Strong	Sound	Sound	Sound	Strong	$552Fees	0.124%Above	145
23	USAA Federal Savings BankBank	Strong	Sound	Strong	Acceptable	Sound	$1,860Fees	0.143%Below	62
24	First Federal Savings and Loan AssociationBank	Sound	Sound	Acceptable	Acceptable	Strong	$1,196Fees	0.048%Above	93

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.