Safe Rate Rankings

Best Conventional Mortgage Lenders in Dayton

Updated May 22, 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 Lenders104

Total Loans10,166

Median Rate Spread0.38%

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