Safe Rate Rankings

Best Jumbo Mortgage 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 Lenders185

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	WRIGHT-PATT CREDIT UNION, INC.Credit Union	Exceptional	Exceptional	Strong	Strong	Exceptional	$497Fees	0.565%Below	312
2	U.S. Bank National AssociationBank	Exceptional	Exceptional	Exceptional	Strong	Strong	$972Fees	0.189%Above	206
3	Bank of America, National AssociationBank	Exceptional	Exceptional	Exceptional	Strong	Strong	$1,344Fees	0.372%Below	95
4	Fifth Third Bank, National AssociationBank	Exceptional	Strong	Exceptional	Strong	Exceptional	$587Fees	0.174%Above	576
5	The State Bank and Trust CompanyBank	Exceptional	Strong	Strong	Strong	Exceptional	$1,361Fees	0.023%Above	256
6	Heartland BankBank	Exceptional	Strong	Strong	Strong	Exceptional	$1,039Fees	0.243%Above	176
7	WesBanco Bank, Inc.Bank	Exceptional	Strong	Exceptional	Strong	Strong	$775Fees	0.149%Above	111
8	UNITED WHOLESALE MORTGAGE, LLCIndependent Mortgage Company	Exceptional	Sound	Exceptional	Strong	Exceptional	$2,358Fees	0.244%Above	1,381
9	JPMorgan Chase Bank, National AssociationBank	Exceptional	Sound	Exceptional	Strong	Exceptional	$2,128Fees	0.087%Above	823
10	First Financial BankBank	Exceptional	Sound	Exceptional	Strong	Exceptional	$1,506Fees	0.367%Above	453
11	PNC Bank, National AssociationBank	Strong	Sound	Exceptional	Strong	Strong	$103Fees	0.134%Above	310
12	The Huntington National BankBank	Strong	Acceptable	Exceptional	Strong	Exceptional	$377Fees	0.229%Above	1,337
13	CROSSCOUNTRY MORTGAGE, LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Exceptional	$3,642Fees	0.633%Above	1,116
14	Union Savings BankBank	Strong	Acceptable	Exceptional	Strong	Exceptional	$1,089Fees	0.205%Above	688
15	Civista BankBank	Strong	Sound	Strong	Strong	Strong	$931Fees	0.090%Above	116
16	First Federal Savings and Loan Association of LakewoodBank	Strong	Sound	Strong	Strong	Strong	$745Fees	0.179%Above	68
17	LOWER, LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Sound	Exceptional	$3,262Fees	0.562%Above	701
18	The Park National BankBank	Strong	Acceptable	Strong	Strong	Exceptional	$1,290Fees	0.501%Above	517
19	First Merchants BankBank	Strong	Acceptable	Exceptional	Strong	Strong	$1,433Fees	0.093%Above	102
20	UNION HOME MORTGAGE CORP.Independent Mortgage Company	Strong	Acceptable	Strong	Sound	Exceptional	$3,229Fees	0.714%Above	1,042

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.