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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 Conventional 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 | Product | Pull Through | Place | Avg Fees | Spread | Volume | Action |
|---|---|---|---|---|---|---|---|---|---|---|
1 | WRIGHT-PATT CREDIT UNION, INC. | Exceptional | Exceptional | Exceptional | Strong | Exceptional | $497 | -0.565% | 312 | |
2 | VICTORY MORTGAGE, L.L.C. | Exceptional | Exceptional | Strong | Strong | Exceptional | $714 | -0.220% | 365 | |
3 | The Huntington National Bank | Exceptional | Strong | Exceptional | Strong | Exceptional | $377 | +0.229% | 1,337 | |
4 | NAVY FEDERAL CREDIT UNION | Exceptional | Exceptional | Exceptional | Sound | Strong | $422 | -0.479% | 125 | |
5 | Fifth Third Bank, National Association | Exceptional | Strong | Exceptional | Sound | Exceptional | $587 | +0.174% | 576 | |
6 | PNC Bank, National Association | Exceptional | Strong | Exceptional | Strong | Strong | $103 | +0.134% | 310 | |
7 | The State Bank and Trust Company | Exceptional | Strong | Strong | Strong | Exceptional | $1,361 | +0.023% | 256 | |
8 | Third Federal Savings and Loan Association of Cleveland | Exceptional | Strong | Exceptional | Strong | Strong | $893 | -0.035% | 217 | |
9 | U.S. Bank National Association | Exceptional | Strong | Exceptional | Strong | Strong | $972 | +0.189% | 206 | |
10 | KeyBank National Association | Exceptional | Strong | Exceptional | Strong | Strong | $1,098 | +0.203% | 109 | |
11 | First Merchants Bank | Exceptional | Strong | Exceptional | Strong | Strong | $1,433 | +0.093% | 102 | |
12 | Bank of America, National Association | Exceptional | Strong | Exceptional | Strong | Strong | $1,344 | -0.372% | 95 | |
13 | PROVIDENT FUNDING ASSOCIATES, L.P. | Exceptional | Exceptional | Exceptional | Sound | Sound | $1,177 | -0.120% | 71 | |
14 | JPMorgan Chase Bank, National Association | Exceptional | Sound | Exceptional | Strong | Exceptional | $2,128 | +0.087% | 823 | |
15 | Union Savings Bank | Exceptional | Sound | Exceptional | Strong | Exceptional | $1,089 | +0.205% | 688 | |
16 | First Financial Bank | Exceptional | Sound | Exceptional | Strong | Exceptional | $1,506 | +0.367% | 453 | |
17 | RUOFF MORTGAGE COMPANY, INC. | Exceptional | Sound | Exceptional | Strong | Exceptional | $2,654 | +0.342% | 446 | |
18 | THE EQUITABLE MORTGAGE CORPORATION | Exceptional | Strong | Strong | Sound | Exceptional | $1,612 | +0.110% | 419 | |
19 | TELHIO | Exceptional | Exceptional | Sound | Sound | Strong | $1,632 | -0.221% | 157 | |
20 | Civista Bank | Exceptional | Strong | Strong | Strong | Strong | $931 | +0.090% | 116 | |
21 | First Federal Savings and Loan Association of Lakewood | Exceptional | Strong | Strong | Strong | Strong | $745 | +0.179% | 68 | |
22 | ROCKET MORTGAGE, LLC | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $3,967 | +0.358% | 1,760 | |
23 | UNITED WHOLESALE MORTGAGE, LLC | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $2,358 | +0.244% | 1,381 | |
24 | EQUITY RESOURCES, INC. | Strong | Sound | Strong | Strong | Exceptional | $1,521 | +0.287% | 319 | |
25 | MUTUAL OF OMAHA MORTGAGE, INC. | Strong | Strong | Strong | Sound | Strong | $1,809 | +0.233% | 181 | |
26 | Heartland Bank | Strong | Strong | Sound | Sound | Exceptional | $1,039 | +0.243% | 176 | |
27 | The Union Bank Company | Strong | Strong | Sound | Strong | Strong | $1,014 | +0.164% | 154 | |
28 | LOANDEPOT.COM, LLC | Strong | Sound | Exceptional | Strong | Strong | $3,752 | +0.438% | 149 | |
29 | WesBanco Bank, Inc. | Strong | Sound | Exceptional | Strong | Strong | $775 | +0.149% | 111 | |
30 | First Commonwealth Bank | Strong | Sound | Exceptional | Strong | Strong | $867 | +0.020% | 93 | |
31 | Wells Fargo Bank, National Association | Strong | Strong | Exceptional | Sound | Sound | $2,628 | +0.046% | 71 | |
32 | CROSSCOUNTRY MORTGAGE, LLC | Strong | Acceptable | Exceptional | Strong | Exceptional | $3,642 | +0.633% | 1,116 | |
33 | UNION HOME MORTGAGE CORP. | Strong | Acceptable | Exceptional | Strong | Exceptional | $3,229 | +0.714% | 1,042 | |
34 | LOWER, LLC | Strong | Acceptable | Exceptional | Strong | Exceptional | $3,262 | +0.562% | 701 | |
35 | GUARANTEED RATE, INC. | Strong | Acceptable | Exceptional | Strong | Exceptional | $2,884 | +0.213% | 615 | |
36 | The Park National Bank | Strong | Acceptable | Exceptional | Strong | Exceptional | $1,290 | +0.501% | 517 | |
37 | PENNYMAC LOAN SERVICES, LLC | Strong | Sound | Exceptional | Sound | Strong | $1,676 | +0.098% | 246 | |
38 | VANDERBILT MORTGAGE AND FINANCE, INC. | Strong | Sound | Exceptional | Strong | Sound | $3,576 | +0.054% | 62 | |
39 | M/I FINANCIAL, LLC | Strong | Acceptable | Strong | Strong | Exceptional | $2,695 | +0.077% | 654 | |
40 | GO MORTGAGE, LLC | Strong | Acceptable | Strong | Strong | Exceptional | $2,806 | +0.556% | 333 | |
41 | T2 FINANCIAL LLC | Strong | Acceptable | Exceptional | Strong | Strong | $3,146 | +0.472% | 299 | |
42 | FAIRWAY INDEPENDENT MORTGAGE CORPORATION | Strong | Acceptable | Exceptional | Strong | Strong | $3,151 | +0.607% | 282 | |
43 | FREEDOM MORTGAGE CORPORATION | Strong | Sound | Strong | Sound | Strong | $2,384 | +0.334% | 246 | |
44 | HOWARD HANNA FINANCIAL SERVICES, INC. | Strong | Acceptable | Exceptional | Strong | Strong | $2,441 | +0.433% | 173 | |
45 | NATIONSTAR MORTGAGE LLC | Strong | Acceptable | Exceptional | Strong | Strong | $2,885 | +0.555% | 164 | |
46 | Flagstar Bank, N.A. | Strong | Acceptable | Exceptional | Strong | Strong | $2,440 | +0.518% | 141 | |
47 | DAS Acquisition Company, LLC | Strong | Acceptable | Exceptional | Strong | Strong | $3,680 | +0.563% | 138 | |
48 | FIRST COMMUNITY MORTGAGE, INC. | Strong | Acceptable | Exceptional | Strong | Strong | $2,629 | +0.365% | 100 | |
49 | GoodLeap, LLC | Strong | Sound | Strong | Sound | Strong | $4,043 | -0.038% | 89 | |
50 | Nations Lending Corporation | Strong | Acceptable | Exceptional | Exceptional | Sound | $4,117 | +0.603% | 57 |
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)
10
Pricing
Rate and fee competitiveness (25%)
10
Pull Through
Reliability in closing loans (25%)
10
Product
Specialization in the loan type (25%)
10
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.
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