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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 Company Lenders in Dayton
Updated February 5, 2026
Market Overview
43
Total Lenders
5,878
Total Loans
0.47%
Median Rate Spread
| Rank | Lender | Overall | Pricing | Pull Through | Place | Avg Fees | Spread | Volume | Action |
|---|---|---|---|---|---|---|---|---|---|
1 | VICTORY MORTGAGE, L.L.C. | Exceptional | Exceptional | Strong | Strong | $389 | -0.212% | 193 | |
2 | UNITED WHOLESALE MORTGAGE, LLC | Strong | Sound | Exceptional | Strong | $2,162 | +0.214% | 376 | |
3 | VANDERBILT MORTGAGE AND FINANCE, INC. | Strong | Sound | Exceptional | Strong | $5,308 | -0.018% | 72 | |
4 | ROCKET MORTGAGE, LLC | Strong | Acceptable | Exceptional | Exceptional | $3,634 | +0.525% | 707 | |
5 | LOANDEPOT.COM, LLC | Strong | Sound | Strong | Strong | $2,103 | +0.475% | 194 | |
6 | GUARANTEED RATE, INC. | Strong | Sound | Strong | Strong | $2,340 | +0.408% | 120 | |
7 | FREEDOM MORTGAGE CORPORATION | Strong | Sound | Strong | Strong | $2,276 | +0.132% | 87 | |
8 | RUOFF MORTGAGE COMPANY, INC. | Strong | Sound | Strong | Strong | $1,710 | +0.327% | 74 | |
9 | LOWER, LLC | Strong | Acceptable | Strong | Exceptional | $2,537 | +0.704% | 473 | |
10 | PRIMELENDING, A PLAINSCAPITAL COMPANY | Strong | Acceptable | Exceptional | Strong | $2,463 | +0.500% | 345 | |
11 | DAS Acquisition Company, LLC | Strong | Acceptable | Exceptional | Strong | $3,820 | +0.731% | 279 | |
12 | FAIRWAY INDEPENDENT MORTGAGE CORPORATION | Strong | Acceptable | Exceptional | Strong | $4,275 | +0.874% | 177 | |
13 | FIRST COMMUNITY MORTGAGE, INC. | Strong | Acceptable | Exceptional | Strong | $3,469 | +0.486% | 150 | |
14 | UNION HOME MORTGAGE CORP. | Strong | Acceptable | Exceptional | Strong | $3,310 | +0.820% | 134 | |
15 | MOVEMENT MORTGAGE, LLC | Strong | Acceptable | Exceptional | Strong | $3,116 | +0.412% | 78 | |
16 | PENNYMAC LOAN SERVICES, LLC | Strong | Sound | Strong | Sound | $1,690 | -0.119% | 67 | |
17 | EQUITY RESOURCES, INC. | Strong | Sound | Strong | Sound | $1,362 | +0.487% | 23 | |
18 | Mortgage Research Center, LLC | Strong | Acceptable | Strong | Strong | $976 | +0.779% | 367 | |
19 | CROSSCOUNTRY MORTGAGE, LLC | Strong | Acceptable | Strong | Strong | $2,490 | +0.698% | 300 | |
20 | M/I FINANCIAL, LLC | Strong | Acceptable | Strong | Strong | $3,350 | -0.182% | 126 | |
21 | NFM, INC. | Strong | Acceptable | Exceptional | Sound | $3,303 | +0.631% | 39 | |
22 | GoodLeap, LLC | Strong | Sound | Sound | Sound | $4,516 | -0.160% | 28 | |
23 | T2 FINANCIAL LLC | Strong | Acceptable | Exceptional | Sound | $3,069 | +0.750% | 25 | |
24 | NEW AMERICAN FUNDING, LLC | Sound | Acceptable | Sound | Strong | $4,090 | +0.794% | 137 | |
25 | NEWREZ LLC | Sound | Acceptable | Sound | Strong | $1,374 | +0.570% | 106 | |
26 | HOWARD HANNA FINANCIAL SERVICES, INC. | Sound | Acceptable | Strong | Sound | $2,455 | +0.568% | 51 | |
27 | NATIONSTAR MORTGAGE LLC | Sound | Acceptable | Strong | Sound | $2,418 | +0.497% | 51 | |
28 | VAN DYK MORTGAGE CORPORATION | Sound | Acceptable | Strong | Sound | $2,616 | +0.543% | 38 | |
29 | NORTHERN MORTGAGE SERVICES, LLC | Sound | Acceptable | Strong | Sound | $1,418 | +0.524% | 29 | |
30 | ZILLOW HOME LOANS, LLC | Sound | Acceptable | Strong | Sound | $2,687 | +0.585% | 27 | |
31 | Paramount Residential Mortgage Group, Inc. | Sound | Acceptable | Strong | Sound | $3,530 | +0.403% | 24 | |
32 | CARRINGTON MORTGAGE SERVICES, LLC | Sound | Acceptable | Sound | Sound | $2,525 | +0.938% | 33 | |
33 | GENEVA FINANCIAL, LLC | Sound | Mediocre | Exceptional | Sound | $4,066 | +1.305% | 33 | |
34 | DIRECT MORTGAGE LOANS, LLC | Sound | Mediocre | Exceptional | Sound | $3,200 | +0.677% | 26 | |
35 | NATIONS RELIABLE LENDING, LLC | Sound | Mediocre | Strong | Sound | $3,392 | +0.488% | 58 | |
36 | TJC Mortgage, Inc. | Sound | Mediocre | Sound | Strong | $3,416 | +0.680% | 51 | |
37 | Luminate Home Loans, Inc. | Sound | Mediocre | Strong | Sound | $4,116 | +0.918% | 44 | |
38 | PRIMARY RESIDENTIAL MORTGAGE, INC. | Sound | Mediocre | Strong | Sound | $2,329 | +0.679% | 30 | |
39 | POLARIS HOME FUNDING CORP. | Sound | Mediocre | Strong | Sound | $4,852 | +0.697% | 30 | |
40 | RAPID MORTGAGE COMPANY | Sound | Mediocre | Sound | Sound | $3,305 | +0.730% | 31 | |
41 | NEW DAY FINANCIAL, LLC | Sound | Mediocre | Acceptable | Sound | $3,764 | +0.994% | 34 | |
42 | AMERISAVE MORTGAGE CORPORATION | Sound | Mediocre | Acceptable | Sound | $5,584 | +0.774% | 23 |
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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