🛡️

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 Dayton

Updated February 5, 2026

Market Overview

104

Total Lenders

10,166

Total Loans

0.38%

Median Rate Spread

Rank	Lender	Overall	Pricing	Product	Pull Through	Place	Avg Fees	Spread	Volume
1	WRIGHT-PATT CREDIT UNION, INC.	Exceptional	Exceptional	Exceptional	Strong	Exceptional	$420	-0.354%	1,164
2	The Huntington National Bank	Exceptional	Strong	Exceptional	Strong	Exceptional	-$513	+0.404%	514
3	VICTORY MORTGAGE, L.L.C.	Exceptional	Exceptional	Strong	Strong	Strong	$389	-0.212%	193
4	NAVY FEDERAL CREDIT UNION	Exceptional	Exceptional	Exceptional	Sound	Strong	$398	-0.512%	109
5	U.S. Bank National Association	Exceptional	Strong	Exceptional	Strong	Strong	$842	+0.332%	159
6	Union Savings Bank	Exceptional	Sound	Exceptional	Strong	Exceptional	$872	+0.140%	965
7	Fifth Third Bank, National Association	Exceptional	Strong	Exceptional	Sound	Strong	$697	+0.428%	251
8	PNC Bank, National Association	Exceptional	Strong	Exceptional	Strong	Sound	-$810	+0.138%	54
9	RIVER VALLEY CREDIT UNION, INC.	Exceptional	Exceptional	Acceptable	Strong	Strong	$417	+0.155%	50
10	KeyBank National Association	Exceptional	Strong	Exceptional	Strong	Sound	$211	+0.206%	36
11	ROCKET MORTGAGE, LLC	Strong	Acceptable	Exceptional	Exceptional	Exceptional	$3,634	+0.525%	707
12	JPMorgan Chase Bank, National Association	Strong	Sound	Exceptional	Strong	Strong	$2,134	+0.328%	198
13	LOANDEPOT.COM, LLC	Strong	Sound	Exceptional	Strong	Strong	$2,103	+0.475%	194
14	RUOFF MORTGAGE COMPANY, INC.	Strong	Sound	Exceptional	Strong	Strong	$1,710	+0.327%	74
15	VANDERBILT MORTGAGE AND FINANCE, INC.	Strong	Sound	Exceptional	Strong	Strong	$5,308	-0.018%	72
16	First Financial Bank	Strong	Sound	Exceptional	Strong	Strong	$1,601	+0.577%	72
17	Wells Fargo Bank, National Association	Strong	Strong	Exceptional	Sound	Sound	$1,905	+0.161%	30
18	Civista Bank	Strong	Strong	Strong	Strong	Sound	$1,140	-0.004%	25
19	LOWER, LLC	Strong	Acceptable	Exceptional	Strong	Exceptional	$2,537	+0.704%	473
20	UNITED WHOLESALE MORTGAGE, LLC	Strong	Acceptable	Exceptional	Exceptional	Strong	$2,162	+0.214%	376
21	Day Air Credit Union, Inc.	Strong	Strong	Sound	Sound	Strong	$128	+0.537%	154
22	PRIMELENDING, A PLAINSCAPITAL COMPANY	Strong	Acceptable	Exceptional	Strong	Strong	$2,463	+0.500%	345
23	CROSSCOUNTRY MORTGAGE, LLC	Strong	Acceptable	Exceptional	Strong	Strong	$2,490	+0.698%	300
24	DAS Acquisition Company, LLC	Strong	Acceptable	Exceptional	Strong	Strong	$3,820	+0.731%	279
25	FAIRWAY INDEPENDENT MORTGAGE CORPORATION	Strong	Acceptable	Exceptional	Strong	Strong	$4,275	+0.874%	177
26	FIRST COMMUNITY MORTGAGE, INC.	Strong	Acceptable	Exceptional	Strong	Strong	$3,469	+0.486%	150
27	UNION HOME MORTGAGE CORP.	Strong	Acceptable	Exceptional	Strong	Strong	$3,310	+0.820%	134
28	GUARANTEED RATE, INC.	Strong	Acceptable	Exceptional	Strong	Strong	$2,340	+0.408%	120
29	MOVEMENT MORTGAGE, LLC	Strong	Acceptable	Exceptional	Strong	Strong	$3,116	+0.412%	78
30	PENNYMAC LOAN SERVICES, LLC	Strong	Sound	Exceptional	Sound	Sound	$1,690	-0.119%	67
31	EQUITY RESOURCES, INC.	Strong	Sound	Strong	Strong	Sound	$1,362	+0.487%	23
32	NEW AMERICAN FUNDING, LLC	Strong	Acceptable	Exceptional	Sound	Strong	$4,090	+0.794%	137
33	M/I FINANCIAL, LLC	Strong	Acceptable	Strong	Strong	Strong	$3,350	-0.182%	126
34	NEWREZ LLC	Strong	Acceptable	Exceptional	Sound	Strong	$1,374	+0.570%	106
35	USAA Federal Savings Bank	Strong	Sound	Strong	Acceptable	Strong	$1,321	-0.090%	82
36	HOWARD HANNA FINANCIAL SERVICES, INC.	Strong	Acceptable	Exceptional	Strong	Sound	$2,455	+0.568%	51
37	NATIONSTAR MORTGAGE LLC	Strong	Acceptable	Exceptional	Strong	Sound	$2,418	+0.497%	51
38	The Park National Bank	Strong	Acceptable	Exceptional	Strong	Sound	$1,281	+0.266%	44
39	Gateway First Bank	Strong	Acceptable	Exceptional	Strong	Sound	$2,453	+0.484%	35
40	PRIMARY RESIDENTIAL MORTGAGE, INC.	Strong	Acceptable	Exceptional	Strong	Sound	$2,329	+0.679%	30
41	GoodLeap, LLC	Strong	Sound	Strong	Sound	Sound	$4,516	-0.160%	28
42	T2 FINANCIAL LLC	Strong	Acceptable	Exceptional	Strong	Sound	$3,069	+0.750%	25
43	Paramount Residential Mortgage Group, Inc.	Strong	Acceptable	Exceptional	Strong	Sound	$3,530	+0.403%	24
44	Flagstar Bank, N.A.	Strong	Acceptable	Exceptional	Strong	Sound	$1,738	+0.610%	22
45	Mortgage Research Center, LLC	Strong	Acceptable	Strong	Sound	Strong	$976	+0.779%	367
46	Greenville Federal	Strong	Sound	Acceptable	Sound	Strong	$1,627	-0.197%	43
47	NORTHERN MORTGAGE SERVICES, LLC	Strong	Acceptable	Strong	Strong	Sound	$1,418	+0.524%	29
48	NATIONS RELIABLE LENDING, LLC	Sound	Acceptable	Strong	Sound	Sound	$3,392	+0.488%	58
49	VAN DYK MORTGAGE CORPORATION	Sound	Acceptable	Strong	Sound	Sound	$2,616	+0.543%	38
50	ZILLOW HOME LOANS, LLC	Sound	Acceptable	Strong	Sound	Sound	$2,687	+0.585%	27

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.

Ready to find your perfect lender?

Get personalized recommendations based on your specific needs

DaytonConventional

No credit impact

3-minute process

100% free