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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 Mortgage Lenders in Dayton
Updated February 5, 2026
Market Overview
104
Total Lenders
10,166
Total Loans
0.38%
Median Rate Spread
| Rank | Lender | Overall | Pricing | Pull Through | Place | Avg Fees | Spread | Volume | Action |
|---|---|---|---|---|---|---|---|---|---|
1 | WRIGHT-PATT CREDIT UNION, INC. | Exceptional | Exceptional | Strong | Exceptional | $420 | -0.354% | 1,164 | |
2 | VICTORY MORTGAGE, L.L.C. | Exceptional | Exceptional | Strong | Strong | $389 | -0.212% | 193 | |
3 | The Huntington National Bank | Exceptional | Strong | Strong | Exceptional | -$513 | +0.404% | 514 | |
4 | NAVY FEDERAL CREDIT UNION | Exceptional | Exceptional | Sound | Strong | $398 | -0.512% | 109 | |
5 | RIVER VALLEY CREDIT UNION, INC. | Exceptional | Exceptional | Sound | Strong | $417 | +0.155% | 50 | |
6 | Fifth Third Bank, National Association | Strong | Strong | Strong | Strong | $697 | +0.428% | 251 | |
7 | U.S. Bank National Association | Strong | Strong | Strong | Strong | $842 | +0.332% | 159 | |
8 | Union Savings Bank | Strong | Sound | Strong | Exceptional | $872 | +0.140% | 965 | |
9 | UNITED WHOLESALE MORTGAGE, LLC | Strong | Sound | Exceptional | Strong | $2,162 | +0.214% | 376 | |
10 | Day Air Credit Union, Inc. | Strong | Strong | Sound | Strong | $128 | +0.537% | 154 | |
11 | VANDERBILT MORTGAGE AND FINANCE, INC. | Strong | Sound | Exceptional | Strong | $5,308 | -0.018% | 72 | |
12 | PNC Bank, National Association | Strong | Strong | Strong | Sound | -$810 | +0.138% | 54 | |
13 | KeyBank National Association | Strong | Strong | Strong | Sound | $211 | +0.206% | 36 | |
14 | Civista Bank | Strong | Strong | Strong | Sound | $1,140 | -0.004% | 25 | |
15 | ROCKET MORTGAGE, LLC | Strong | Acceptable | Exceptional | Exceptional | $3,634 | +0.525% | 707 | |
16 | JPMorgan Chase Bank, National Association | Strong | Sound | Strong | Strong | $2,134 | +0.328% | 198 | |
17 | LOANDEPOT.COM, LLC | Strong | Sound | Strong | Strong | $2,103 | +0.475% | 194 | |
18 | GUARANTEED RATE, INC. | Strong | Sound | Strong | Strong | $2,340 | +0.408% | 120 | |
19 | FREEDOM MORTGAGE CORPORATION | Strong | Sound | Strong | Strong | $2,276 | +0.132% | 87 | |
20 | RUOFF MORTGAGE COMPANY, INC. | Strong | Sound | Strong | Strong | $1,710 | +0.327% | 74 | |
21 | First Financial Bank | Strong | Sound | Strong | Strong | $1,601 | +0.577% | 72 | |
22 | Wells Fargo Bank, National Association | Strong | Strong | Sound | Sound | $1,905 | +0.161% | 30 | |
23 | LOWER, LLC | Strong | Acceptable | Strong | Exceptional | $2,537 | +0.704% | 473 | |
24 | PRIMELENDING, A PLAINSCAPITAL COMPANY | Strong | Acceptable | Exceptional | Strong | $2,463 | +0.500% | 345 | |
25 | DAS Acquisition Company, LLC | Strong | Acceptable | Exceptional | Strong | $3,820 | +0.731% | 279 | |
26 | FAIRWAY INDEPENDENT MORTGAGE CORPORATION | Strong | Acceptable | Exceptional | Strong | $4,275 | +0.874% | 177 | |
27 | FIRST COMMUNITY MORTGAGE, INC. | Strong | Acceptable | Exceptional | Strong | $3,469 | +0.486% | 150 | |
28 | UNION HOME MORTGAGE CORP. | Strong | Acceptable | Exceptional | Strong | $3,310 | +0.820% | 134 | |
29 | USAA Federal Savings Bank | Strong | Sound | Sound | Strong | $1,321 | -0.090% | 82 | |
30 | MOVEMENT MORTGAGE, LLC | Strong | Acceptable | Exceptional | Strong | $3,116 | +0.412% | 78 | |
31 | PENNYMAC LOAN SERVICES, LLC | Strong | Sound | Strong | Sound | $1,690 | -0.119% | 67 | |
32 | Greenville Federal | Strong | Sound | Sound | Strong | $1,627 | -0.197% | 43 | |
33 | EQUITY RESOURCES, INC. | Strong | Sound | Strong | Sound | $1,362 | +0.487% | 23 | |
34 | UNIVERSAL 1 CREDIT UNION | Strong | Strong | Acceptable | Sound | $679 | +0.356% | 22 | |
35 | Mortgage Research Center, LLC | Strong | Acceptable | Strong | Strong | $976 | +0.779% | 367 | |
36 | CROSSCOUNTRY MORTGAGE, LLC | Strong | Acceptable | Strong | Strong | $2,490 | +0.698% | 300 | |
37 | M/I FINANCIAL, LLC | Strong | Acceptable | Strong | Strong | $3,350 | -0.182% | 126 | |
38 | NFM, INC. | Strong | Acceptable | Exceptional | Sound | $3,303 | +0.631% | 39 | |
39 | GoodLeap, LLC | Strong | Sound | Sound | Sound | $4,516 | -0.160% | 28 | |
40 | T2 FINANCIAL LLC | Strong | Acceptable | Exceptional | Sound | $3,069 | +0.750% | 25 | |
41 | NEW AMERICAN FUNDING, LLC | Sound | Acceptable | Sound | Strong | $4,090 | +0.794% | 137 | |
42 | NEWREZ LLC | Sound | Acceptable | Sound | Strong | $1,374 | +0.570% | 106 | |
43 | HOWARD HANNA FINANCIAL SERVICES, INC. | Sound | Acceptable | Strong | Sound | $2,455 | +0.568% | 51 | |
44 | NATIONSTAR MORTGAGE LLC | Sound | Acceptable | Strong | Sound | $2,418 | +0.497% | 51 | |
45 | The Park National Bank | Sound | Acceptable | Strong | Sound | $1,281 | +0.266% | 44 | |
46 | VAN DYK MORTGAGE CORPORATION | Sound | Acceptable | Strong | Sound | $2,616 | +0.543% | 38 | |
47 | Gateway First Bank | Sound | Acceptable | Strong | Sound | $2,453 | +0.484% | 35 | |
48 | NORTHERN MORTGAGE SERVICES, LLC | Sound | Acceptable | Strong | Sound | $1,418 | +0.524% | 29 | |
49 | ZILLOW HOME LOANS, LLC | Sound | Acceptable | Strong | Sound | $2,687 | +0.585% | 27 | |
50 | Paramount Residential Mortgage Group, Inc. | Sound | Acceptable | Strong | Sound | $3,530 | +0.403% | 24 |
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 30 Points)
10
Pricing
Rate and fee competitiveness (33%)
10
Pull Through
Reliability in closing loans (33%)
10
Place
Local market expertise (33%)
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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