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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 FHA 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 | Union Savings Bank | Exceptional | Exceptional | Strong | Strong | Exceptional | $1,089 | +0.205% | 688 | |
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 | UNITED WHOLESALE MORTGAGE, LLC | Exceptional | Sound | Exceptional | Exceptional | Exceptional | $2,358 | +0.244% | 1,381 | |
5 | Fifth Third Bank, National Association | Exceptional | Strong | Exceptional | Sound | Exceptional | $587 | +0.174% | 576 | |
6 | FREEDOM MORTGAGE CORPORATION | Exceptional | Strong | Exceptional | Strong | Strong | $2,384 | +0.334% | 246 | |
7 | KeyBank National Association | Exceptional | Exceptional | Strong | Sound | Strong | $1,098 | +0.203% | 109 | |
8 | M/I FINANCIAL, LLC | Exceptional | Sound | Exceptional | Strong | Exceptional | $2,695 | +0.077% | 654 | |
9 | THE EQUITABLE MORTGAGE CORPORATION | Exceptional | Strong | Strong | Sound | Exceptional | $1,612 | +0.110% | 419 | |
10 | WRIGHT-PATT CREDIT UNION, INC. | Exceptional | Strong | Strong | Sound | Exceptional | $497 | -0.565% | 312 | |
11 | The State Bank and Trust Company | Exceptional | Strong | Sound | Strong | Exceptional | $1,361 | +0.023% | 256 | |
12 | PENNYMAC LOAN SERVICES, LLC | Exceptional | Strong | Exceptional | Sound | Strong | $1,676 | +0.098% | 246 | |
13 | U.S. Bank National Association | Exceptional | Strong | Exceptional | Sound | Strong | $972 | +0.189% | 206 | |
14 | The Union Bank Company | Exceptional | Exceptional | Sound | Sound | Strong | $1,014 | +0.164% | 154 | |
15 | First Commonwealth Bank | Exceptional | Strong | Strong | Strong | Strong | $867 | +0.020% | 93 | |
16 | GoodLeap, LLC | Exceptional | Strong | Exceptional | Sound | Strong | $4,043 | -0.038% | 89 | |
17 | ROCKET MORTGAGE, LLC | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $3,967 | +0.358% | 1,760 | |
18 | NFM, INC. | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $3,822 | +0.587% | 1,737 | |
19 | UNION HOME MORTGAGE CORP. | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $3,229 | +0.714% | 1,042 | |
20 | PNC Bank, National Association | Strong | Strong | Strong | Sound | Strong | $103 | +0.134% | 310 | |
21 | RMC HOME MORTGAGE, LLC | Strong | Sound | Exceptional | Strong | Strong | $4,794 | +0.098% | 240 | |
22 | LOANDEPOT.COM, LLC | Strong | Sound | Exceptional | Strong | Strong | $3,752 | +0.438% | 149 | |
23 | Flagstar Bank, N.A. | Strong | Sound | Exceptional | Strong | Strong | $2,440 | +0.518% | 141 | |
24 | VANDERBILT MORTGAGE AND FINANCE, INC. | Strong | Sound | Exceptional | Exceptional | Sound | $3,576 | +0.054% | 62 | |
25 | JPMorgan Chase Bank, National Association | Strong | Sound | Strong | Sound | Exceptional | $2,128 | +0.087% | 823 | |
26 | LOWER, LLC | Strong | Acceptable | Exceptional | Strong | Exceptional | $3,262 | +0.562% | 701 | |
27 | GUARANTEED RATE, INC. | Strong | Acceptable | Exceptional | Strong | Exceptional | $2,884 | +0.213% | 615 | |
28 | First Financial Bank | Strong | Sound | Strong | Sound | Exceptional | $1,506 | +0.367% | 453 | |
29 | RUOFF MORTGAGE COMPANY, INC. | Strong | Acceptable | Exceptional | Strong | Exceptional | $2,654 | +0.342% | 446 | |
30 | T2 FINANCIAL LLC | Strong | Acceptable | Exceptional | Exceptional | Strong | $3,146 | +0.472% | 299 | |
31 | FAIRWAY INDEPENDENT MORTGAGE CORPORATION | Strong | Acceptable | Exceptional | Exceptional | Strong | $3,151 | +0.607% | 282 | |
32 | NEWREZ LLC | Strong | Sound | Exceptional | Sound | Strong | $2,574 | +0.510% | 270 | |
33 | HOWARD HANNA FINANCIAL SERVICES, INC. | Strong | Sound | Strong | Strong | Strong | $2,441 | +0.433% | 173 | |
34 | FIRST COMMUNITY MORTGAGE, INC. | Strong | Acceptable | Exceptional | Exceptional | Strong | $2,629 | +0.365% | 100 | |
35 | EQUITY RESOURCES, INC. | Strong | Acceptable | Strong | Strong | Exceptional | $1,521 | +0.287% | 319 | |
36 | GUARANTEED RATE AFFINITY, LLC | Strong | Acceptable | Exceptional | Strong | Strong | $1,826 | +0.356% | 198 | |
37 | HOMESPIRE MORTGAGE CORPORATION | Strong | Acceptable | Exceptional | Strong | Strong | $2,057 | +0.257% | 88 | |
38 | Nations Lending Corporation | Strong | Acceptable | Exceptional | Exceptional | Sound | $4,117 | +0.603% | 57 | |
39 | CROSSCOUNTRY MORTGAGE, LLC | Strong | Mediocre | Exceptional | Strong | Exceptional | $3,642 | +0.633% | 1,116 | |
40 | Mortgage Research Center, LLC | Strong | Acceptable | Exceptional | Sound | Strong | $2,044 | +0.639% | 285 | |
41 | MUTUAL OF OMAHA MORTGAGE, INC. | Strong | Acceptable | Exceptional | Sound | Strong | $1,809 | +0.233% | 181 | |
42 | DAS Acquisition Company, LLC | Strong | Mediocre | Exceptional | Exceptional | Strong | $3,680 | +0.563% | 138 | |
43 | UNION CAPITAL MORTGAGE CORPORATION | Strong | Acceptable | Strong | Strong | Strong | $3,116 | +0.290% | 84 | |
44 | J. VIRGIL, INC. | Strong | Acceptable | Strong | Strong | Strong | $2,457 | +0.730% | 84 | |
45 | CARRINGTON MORTGAGE SERVICES, LLC | Strong | Acceptable | Exceptional | Sound | Strong | $4,229 | +0.572% | 77 | |
46 | GENEVA FINANCIAL, LLC | Strong | Mediocre | Exceptional | Exceptional | Strong | $4,513 | +0.784% | 75 | |
47 | Wells Fargo Bank, National Association | Strong | Sound | Strong | Sound | Sound | $2,628 | +0.046% | 71 | |
48 | GO MORTGAGE, LLC | Strong | Mediocre | Strong | Strong | Exceptional | $2,806 | +0.556% | 333 | |
49 | RAPID MORTGAGE COMPANY | Strong | Mediocre | Strong | Strong | Exceptional | $3,942 | +0.649% | 231 | |
50 | NATIONSTAR MORTGAGE LLC | Strong | Mediocre | Exceptional | Strong | Strong | $2,885 | +0.555% | 164 |
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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