Safe Rate Rankings

Best FHA 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 Lenders13

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	Union Savings BankBank	Exceptional	Exceptional	Strong	Strong	Exceptional	$1,089Fees	0.205%Above	688
2	The Huntington National BankBank	Exceptional	Strong	Exceptional	Strong	Exceptional	$377Fees	0.229%Above	1,337
3	Fifth Third Bank, National AssociationBank	Exceptional	Strong	Exceptional	Sound	Exceptional	$587Fees	0.174%Above	576
4	KeyBank National AssociationBank	Exceptional	Exceptional	Strong	Sound	Strong	$1,098Fees	0.203%Above	109
5	The State Bank and Trust CompanyBank	Exceptional	Strong	Sound	Strong	Exceptional	$1,361Fees	0.023%Above	256
6	U.S. Bank National AssociationBank	Exceptional	Strong	Exceptional	Sound	Strong	$972Fees	0.189%Above	206
7	The Union Bank CompanyBank	Exceptional	Exceptional	Sound	Sound	Strong	$1,014Fees	0.164%Above	154
8	First Commonwealth BankBank	Exceptional	Strong	Strong	Strong	Strong	$867Fees	0.020%Above	93
9	PNC Bank, National AssociationBank	Strong	Strong	Strong	Sound	Strong	$103Fees	0.134%Above	310
10	Flagstar Bank, N.A.Bank	Strong	Sound	Exceptional	Strong	Strong	$2,440Fees	0.518%Above	141
11	JPMorgan Chase Bank, National AssociationBank	Strong	Sound	Strong	Sound	Exceptional	$2,128Fees	0.087%Above	823
12	First Financial BankBank	Strong	Sound	Strong	Sound	Exceptional	$1,506Fees	0.367%Above	453
13	Wells Fargo Bank, National AssociationBank	Strong	Sound	Strong	Sound	Sound	$2,628Fees	0.046%Above	71

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.