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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 VA Mortgage Company Lenders in Columbus
Updated February 5, 2026
Market Overview
35
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 | UNITED WHOLESALE MORTGAGE, LLC | Exceptional | Strong | Exceptional | Exceptional | Exceptional | $2,358 | +0.244% | 1,381 | |
2 | GUARANTEED RATE, INC. | Exceptional | Strong | Exceptional | Strong | Exceptional | $2,884 | +0.213% | 615 | |
3 | M/I FINANCIAL, LLC | Exceptional | Sound | Exceptional | Exceptional | Exceptional | $2,695 | +0.077% | 654 | |
4 | THE EQUITABLE MORTGAGE CORPORATION | Exceptional | Strong | Strong | Strong | Exceptional | $1,612 | +0.110% | 419 | |
5 | VICTORY MORTGAGE, L.L.C. | Exceptional | Strong | Strong | Strong | Exceptional | $714 | -0.220% | 365 | |
6 | FREEDOM MORTGAGE CORPORATION | Exceptional | Strong | Exceptional | Strong | Strong | $2,384 | +0.334% | 246 | |
7 | PENNYMAC LOAN SERVICES, LLC | Exceptional | Strong | Exceptional | Strong | Strong | $1,676 | +0.098% | 246 | |
8 | GUARANTEED RATE AFFINITY, LLC | Exceptional | Strong | Exceptional | Strong | Strong | $1,826 | +0.356% | 198 | |
9 | VANDERBILT MORTGAGE AND FINANCE, INC. | Exceptional | Strong | Exceptional | Exceptional | Sound | $3,576 | +0.054% | 62 | |
10 | ROCKET MORTGAGE, LLC | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $3,967 | +0.358% | 1,760 | |
11 | NFM, INC. | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $3,822 | +0.587% | 1,737 | |
12 | EQUITY RESOURCES, INC. | Strong | Sound | Strong | Strong | Exceptional | $1,521 | +0.287% | 319 | |
13 | NEWREZ LLC | Strong | Sound | Exceptional | Strong | Strong | $2,574 | +0.510% | 270 | |
14 | MUTUAL OF OMAHA MORTGAGE, INC. | Strong | Sound | Exceptional | Strong | Strong | $1,809 | +0.233% | 181 | |
15 | LOANDEPOT.COM, LLC | Strong | Sound | Exceptional | Strong | Strong | $3,752 | +0.438% | 149 | |
16 | CROSSCOUNTRY MORTGAGE, LLC | Strong | Acceptable | Exceptional | Strong | Exceptional | $3,642 | +0.633% | 1,116 | |
17 | UNION HOME MORTGAGE CORP. | Strong | Acceptable | Exceptional | Strong | Exceptional | $3,229 | +0.714% | 1,042 | |
18 | LOWER, LLC | Strong | Acceptable | Exceptional | Strong | Exceptional | $3,262 | +0.562% | 701 | |
19 | RUOFF MORTGAGE COMPANY, INC. | Strong | Acceptable | Exceptional | Strong | Exceptional | $2,654 | +0.342% | 446 | |
20 | T2 FINANCIAL LLC | Strong | Acceptable | Exceptional | Exceptional | Strong | $3,146 | +0.472% | 299 | |
21 | FAIRWAY INDEPENDENT MORTGAGE CORPORATION | Strong | Acceptable | Exceptional | Exceptional | Strong | $3,151 | +0.607% | 282 | |
22 | RMC HOME MORTGAGE, LLC | Strong | Sound | Strong | Strong | Strong | $4,794 | +0.098% | 240 | |
23 | HOWARD HANNA FINANCIAL SERVICES, INC. | Strong | Sound | Strong | Strong | Strong | $2,441 | +0.433% | 173 | |
24 | Mortgage Research Center, LLC | Strong | Acceptable | Exceptional | Strong | Strong | $2,044 | +0.639% | 285 | |
25 | NATIONSTAR MORTGAGE LLC | Strong | Acceptable | Exceptional | Strong | Strong | $2,885 | +0.555% | 164 | |
26 | DAS Acquisition Company, LLC | Strong | Acceptable | Exceptional | Strong | Strong | $3,680 | +0.563% | 138 | |
27 | GoodLeap, LLC | Strong | Sound | Strong | Sound | Strong | $4,043 | -0.038% | 89 | |
28 | CARRINGTON MORTGAGE SERVICES, LLC | Strong | Acceptable | Exceptional | Sound | Strong | $4,229 | +0.572% | 77 | |
29 | GO MORTGAGE, LLC | Strong | Mediocre | Strong | Strong | Exceptional | $2,806 | +0.556% | 333 | |
30 | RAPID MORTGAGE COMPANY | Strong | Mediocre | Strong | Strong | Exceptional | $3,942 | +0.649% | 231 | |
31 | Nations Lending Corporation | Strong | Mediocre | Exceptional | Exceptional | Sound | $4,117 | +0.603% | 57 | |
32 | UNION CAPITAL MORTGAGE CORPORATION | Sound | Acceptable | Sound | Sound | Strong | $3,116 | +0.290% | 84 | |
33 | J. VIRGIL, INC. | Sound | Mediocre | Strong | Strong | Strong | $2,457 | +0.730% | 84 | |
34 | AMERICAN PACIFIC MORTGAGE CORPORATION | Sound | Mediocre | Exceptional | Strong | Sound | $3,598 | +0.771% | 64 |
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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