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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 VA Mortgage Company Lenders in Dayton
Updated February 5, 2026
Market Overview
29
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 | UNITED WHOLESALE MORTGAGE, LLC | Exceptional | Strong | Exceptional | Exceptional | Strong | $2,162 | +0.214% | 376 | |
2 | VANDERBILT MORTGAGE AND FINANCE, INC. | Exceptional | Strong | Exceptional | Exceptional | Strong | $5,308 | -0.018% | 72 | |
3 | GUARANTEED RATE, INC. | Exceptional | Strong | Exceptional | Strong | Strong | $2,340 | +0.408% | 120 | |
4 | FREEDOM MORTGAGE CORPORATION | Exceptional | Strong | Exceptional | Strong | Strong | $2,276 | +0.132% | 87 | |
5 | PRIMELENDING, A PLAINSCAPITAL COMPANY | Exceptional | Sound | Exceptional | Exceptional | Strong | $2,463 | +0.500% | 345 | |
6 | VICTORY MORTGAGE, L.L.C. | Exceptional | Strong | Strong | Strong | Strong | $389 | -0.212% | 193 | |
7 | M/I FINANCIAL, LLC | Exceptional | Sound | Exceptional | Exceptional | Strong | $3,350 | -0.182% | 126 | |
8 | MOVEMENT MORTGAGE, LLC | Exceptional | Sound | Exceptional | Exceptional | Strong | $3,116 | +0.412% | 78 | |
9 | PENNYMAC LOAN SERVICES, LLC | Exceptional | Strong | Exceptional | Strong | Sound | $1,690 | -0.119% | 67 | |
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 | NEWREZ LLC | Strong | Sound | Exceptional | Strong | Strong | $1,374 | +0.570% | 106 | |
13 | LOWER, LLC | Strong | Acceptable | Exceptional | Strong | Exceptional | $2,537 | +0.704% | 473 | |
14 | FAIRWAY INDEPENDENT MORTGAGE CORPORATION | Strong | Acceptable | Exceptional | Exceptional | Strong | $4,275 | +0.874% | 177 | |
15 | FIRST COMMUNITY MORTGAGE, INC. | Strong | Acceptable | Exceptional | Exceptional | Strong | $3,469 | +0.486% | 150 | |
16 | Paramount Residential Mortgage Group, Inc. | Strong | Sound | Exceptional | Strong | Sound | $3,530 | +0.403% | 24 | |
17 | Mortgage Research Center, LLC | Strong | Acceptable | Exceptional | Strong | Strong | $976 | +0.779% | 367 | |
18 | CROSSCOUNTRY MORTGAGE, LLC | Strong | Acceptable | Exceptional | Strong | Strong | $2,490 | +0.698% | 300 | |
19 | DAS Acquisition Company, LLC | Strong | Acceptable | Exceptional | Strong | Strong | $3,820 | +0.731% | 279 | |
20 | UNION HOME MORTGAGE CORP. | Strong | Acceptable | Exceptional | Strong | Strong | $3,310 | +0.820% | 134 | |
21 | RUOFF MORTGAGE COMPANY, INC. | Strong | Acceptable | Exceptional | Strong | Strong | $1,710 | +0.327% | 74 | |
22 | HOWARD HANNA FINANCIAL SERVICES, INC. | Strong | Sound | Strong | Strong | Sound | $2,455 | +0.568% | 51 | |
23 | NFM, INC. | Strong | Acceptable | Exceptional | Exceptional | Sound | $3,303 | +0.631% | 39 | |
24 | NATIONSTAR MORTGAGE LLC | Strong | Acceptable | Exceptional | Strong | Sound | $2,418 | +0.497% | 51 | |
25 | NATIONS RELIABLE LENDING, LLC | Strong | Acceptable | Strong | Strong | Sound | $3,392 | +0.488% | 58 | |
26 | CARRINGTON MORTGAGE SERVICES, LLC | Strong | Acceptable | Exceptional | Sound | Sound | $2,525 | +0.938% | 33 | |
27 | NEW AMERICAN FUNDING, LLC | Sound | Mediocre | Exceptional | Sound | Strong | $4,090 | +0.794% | 137 | |
28 | NEW DAY FINANCIAL, LLC | Sound | Mediocre | Exceptional | Sound | Sound | $3,764 | +0.994% | 34 | |
29 | DIRECT MORTGAGE LOANS, LLC | Sound | Mediocre | Strong | Strong | Sound | $3,200 | +0.677% | 26 |
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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