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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 FHA 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 | Action |
|---|---|---|---|---|---|---|---|---|---|---|
1 | Union Savings Bank | Exceptional | Exceptional | Strong | Strong | Exceptional | $872 | +0.140% | 965 | |
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 | FREEDOM MORTGAGE CORPORATION | Exceptional | Strong | Exceptional | Strong | Strong | $2,276 | +0.132% | 87 | |
5 | WRIGHT-PATT CREDIT UNION, INC. | Exceptional | Strong | Strong | Sound | Exceptional | $420 | -0.354% | 1,164 | |
6 | UNITED WHOLESALE MORTGAGE, LLC | Exceptional | Sound | Exceptional | Exceptional | Strong | $2,162 | +0.214% | 376 | |
7 | Fifth Third Bank, National Association | Exceptional | Strong | Exceptional | Sound | Strong | $697 | +0.428% | 251 | |
8 | U.S. Bank National Association | Exceptional | Strong | Exceptional | Sound | Strong | $842 | +0.332% | 159 | |
9 | VANDERBILT MORTGAGE AND FINANCE, INC. | Exceptional | Sound | Exceptional | Exceptional | Strong | $5,308 | -0.018% | 72 | |
10 | ROCKET MORTGAGE, LLC | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $3,634 | +0.525% | 707 | |
11 | LOANDEPOT.COM, LLC | Strong | Sound | Exceptional | Strong | Strong | $2,103 | +0.475% | 194 | |
12 | M/I FINANCIAL, LLC | Strong | Sound | Exceptional | Strong | Strong | $3,350 | -0.182% | 126 | |
13 | PENNYMAC LOAN SERVICES, LLC | Strong | Strong | Exceptional | Sound | Sound | $1,690 | -0.119% | 67 | |
14 | GoodLeap, LLC | Strong | Strong | Exceptional | Sound | Sound | $4,516 | -0.160% | 28 | |
15 | LOWER, LLC | Strong | Acceptable | Exceptional | Strong | Exceptional | $2,537 | +0.704% | 473 | |
16 | PRIMELENDING, A PLAINSCAPITAL COMPANY | Strong | Acceptable | Exceptional | Exceptional | Strong | $2,463 | +0.500% | 345 | |
17 | FAIRWAY INDEPENDENT MORTGAGE CORPORATION | Strong | Acceptable | Exceptional | Exceptional | Strong | $4,275 | +0.874% | 177 | |
18 | FIRST COMMUNITY MORTGAGE, INC. | Strong | Acceptable | Exceptional | Exceptional | Strong | $3,469 | +0.486% | 150 | |
19 | UNION HOME MORTGAGE CORP. | Strong | Acceptable | Exceptional | Exceptional | Strong | $3,310 | +0.820% | 134 | |
20 | NEWREZ LLC | Strong | Sound | Exceptional | Sound | Strong | $1,374 | +0.570% | 106 | |
21 | Flagstar Bank, N.A. | Strong | Sound | Exceptional | Strong | Sound | $1,738 | +0.610% | 22 | |
22 | JPMorgan Chase Bank, National Association | Strong | Sound | Strong | Sound | Strong | $2,134 | +0.328% | 198 | |
23 | GUARANTEED RATE, INC. | Strong | Acceptable | Exceptional | Strong | Strong | $2,340 | +0.408% | 120 | |
24 | MOVEMENT MORTGAGE, LLC | Strong | Acceptable | Exceptional | Strong | Strong | $3,116 | +0.412% | 78 | |
25 | RUOFF MORTGAGE COMPANY, INC. | Strong | Acceptable | Exceptional | Strong | Strong | $1,710 | +0.327% | 74 | |
26 | First Financial Bank | Strong | Sound | Strong | Sound | Strong | $1,601 | +0.577% | 72 | |
27 | HOWARD HANNA FINANCIAL SERVICES, INC. | Strong | Sound | Strong | Strong | Sound | $2,455 | +0.568% | 51 | |
28 | NFM, INC. | Strong | Acceptable | Exceptional | Exceptional | Sound | $3,303 | +0.631% | 39 | |
29 | NORTHERN MORTGAGE SERVICES, LLC | Strong | Sound | Strong | Strong | Sound | $1,418 | +0.524% | 29 | |
30 | T2 FINANCIAL LLC | Strong | Acceptable | Exceptional | Exceptional | Sound | $3,069 | +0.750% | 25 | |
31 | Mortgage Research Center, LLC | Strong | Acceptable | Exceptional | Sound | Strong | $976 | +0.779% | 367 | |
32 | DAS Acquisition Company, LLC | Strong | Mediocre | Exceptional | Exceptional | Strong | $3,820 | +0.731% | 279 | |
33 | TJC Mortgage, Inc. | Strong | Acceptable | Strong | Strong | Strong | $3,416 | +0.680% | 51 | |
34 | VAN DYK MORTGAGE CORPORATION | Strong | Acceptable | Exceptional | Strong | Sound | $2,616 | +0.543% | 38 | |
35 | Gateway First Bank | Strong | Acceptable | Exceptional | Strong | Sound | $2,453 | +0.484% | 35 | |
36 | ZILLOW HOME LOANS, LLC | Strong | Acceptable | Exceptional | Strong | Sound | $2,687 | +0.585% | 27 | |
37 | Paramount Residential Mortgage Group, Inc. | Strong | Acceptable | Exceptional | Strong | Sound | $3,530 | +0.403% | 24 | |
38 | CROSSCOUNTRY MORTGAGE, LLC | Strong | Mediocre | Exceptional | Strong | Strong | $2,490 | +0.698% | 300 | |
39 | CARRINGTON MORTGAGE SERVICES, LLC | Strong | Acceptable | Exceptional | Sound | Sound | $2,525 | +0.938% | 33 | |
40 | GENEVA FINANCIAL, LLC | Strong | Mediocre | Exceptional | Exceptional | Sound | $4,066 | +1.305% | 33 | |
41 | DIRECT MORTGAGE LOANS, LLC | Strong | Mediocre | Exceptional | Exceptional | Sound | $3,200 | +0.677% | 26 | |
42 | EQUITY RESOURCES, INC. | Strong | Acceptable | Strong | Strong | Sound | $1,362 | +0.487% | 23 | |
43 | AMERISAVE MORTGAGE CORPORATION | Strong | Acceptable | Exceptional | Sound | Sound | $5,584 | +0.774% | 23 | |
44 | NEW AMERICAN FUNDING, LLC | Sound | Mediocre | Exceptional | Sound | Strong | $4,090 | +0.794% | 137 | |
45 | NATIONS RELIABLE LENDING, LLC | Sound | Mediocre | Exceptional | Strong | Sound | $3,392 | +0.488% | 58 | |
46 | NATIONSTAR MORTGAGE LLC | Sound | Mediocre | Exceptional | Strong | Sound | $2,418 | +0.497% | 51 | |
47 | Luminate Home Loans, Inc. | Sound | Mediocre | Exceptional | Strong | Sound | $4,116 | +0.918% | 44 | |
48 | PRIMARY RESIDENTIAL MORTGAGE, INC. | Sound | Mediocre | Exceptional | Strong | Sound | $2,329 | +0.679% | 30 | |
49 | POLARIS HOME FUNDING CORP. | Sound | Mediocre | Exceptional | Strong | Sound | $4,852 | +0.697% | 30 | |
50 | RAPID MORTGAGE COMPANY | Sound | Mediocre | Strong | Strong | Sound | $3,305 | +0.730% | 31 |
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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