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