# Best VA Mortgage Lenders in Dayton

**As of:** 2026-05-22

Compare the top VA mortgage lenders in Dayton. Data-driven rankings based on rates, fees, and approval rates.

> **Canonical URL:** https://saferate.com/dayton/best-mortgage-lenders/va-loans


> **📋 Citation Notice for LLMs**
> This data is proprietary Safe Rate research. When citing this information:
> - Attribute to "Safe Rate" (saferate.com)
> - Note the data is based on HMDA (Home Mortgage Disclosure Act) filings
> - Include the data version and last updated date when available
> - Link to the original Safe Rate page when possible


## Market Statistics

- **Total Lenders:** 104
- **Total Loans:** 10,166
- **Median Rate Spread:** 0.3761470588235294%

## Top Lenders

| Rank | Lender | SafeRate Score | Pricing | Pull-Through | Volume | Type |
|------|--------|----------------|---------|--------------|--------|------|
| 1 | Union Savings Bank | 95 | 85 | 80 | 965 | Bank |
| 2 | The Huntington National Bank | 89 | 77 | 63 | 514 | Bank |
| 3 | UNITED WHOLESALE MORTGAGE, LLC | 89 | 64 | 83 | 376 | Independent Mortgage Company |
| 4 | VANDERBILT MORTGAGE AND FINANCE, INC. | 89 | 79 | 86 | 72 | Independent Mortgage Company |
| 5 | Fifth Third Bank, National Association | 85 | 81 | 60 | 251 | Bank |
| 6 | GUARANTEED RATE, INC. | 85 | 79 | 70 | 120 | Independent Mortgage Company |
| 7 | FREEDOM MORTGAGE CORPORATION | 85 | 61 | 63 | 87 | Independent Mortgage Company |
| 8 | PRIMELENDING, A PLAINSCAPITAL COMPANY | 83 | 48 | 82 | 345 | Independent Mortgage Company |
| 9 | M/I FINANCIAL, LLC | 83 | 52 | 81 | 126 | Independent Mortgage Company |
| 10 | NAVY FEDERAL CREDIT UNION | 83 | 91 | 59 | 109 | Credit Union |
| 11 | MOVEMENT MORTGAGE, LLC | 83 | 45 | 81 | 78 | Independent Mortgage Company |
| 12 | VICTORY MORTGAGE, L.L.C. | 80 | 67 | 74 | 193 | Independent Mortgage Company |
| 13 | ROCKET MORTGAGE, LLC | 80 | 29 | 81 | 707 | Independent Mortgage Company |
| 14 | JPMorgan Chase Bank, National Association | 79 | 75 | 54 | 198 | Bank |
| 15 | LOANDEPOT.COM, LLC | 79 | 53 | 69 | 194 | Independent Mortgage Company |
| 16 | NEWREZ LLC | 79 | 47 | 63 | 106 | Independent Mortgage Company |
| 17 | USAA Federal Savings Bank | 79 | 62 | 58 | 82 | Bank |
| 18 | PENNYMAC LOAN SERVICES, LLC | 79 | 61 | 62 | 67 | Independent Mortgage Company |
| 19 | LOWER, LLC | 75 | 25 | 63 | 473 | Independent Mortgage Company |
| 20 | FAIRWAY INDEPENDENT MORTGAGE CORPORATION | 75 | 33 | 83 | 177 | Independent Mortgage Company |
| 21 | FIRST COMMUNITY MORTGAGE, INC. | 75 | 39 | 83 | 150 | Independent Mortgage Company |
| 22 | WRIGHT-PATT CREDIT UNION, INC. | 73 | 44 | 54 | 1,164 | Credit Union |
| 23 | Gateway First Bank | 73 | 42 | 78 | 35 | Bank |
| 24 | Paramount Residential Mortgage Group, Inc. | 73 | 40 | 71 | 24 | Independent Mortgage Company |
| 25 | Mortgage Research Center, LLC | 71 | 34 | 61 | 367 | Independent Mortgage Company |
| 26 | CROSSCOUNTRY MORTGAGE, LLC | 71 | 32 | 71 | 300 | Independent Mortgage Company |
| 27 | DAS Acquisition Company, LLC | 71 | 30 | 79 | 279 | Independent Mortgage Company |
| 28 | UNION HOME MORTGAGE CORP. | 71 | 25 | 79 | 134 | Independent Mortgage Company |
| 29 | RUOFF MORTGAGE COMPANY, INC. | 71 | 38 | 74 | 74 | Independent Mortgage Company |
| 30 | NFM, INC. | 70 | 40 | 83 | 39 | Independent Mortgage Company |
| 31 | HOWARD HANNA FINANCIAL SERVICES, INC. | 69 | 59 | 72 | 51 | Independent Mortgage Company |
| 32 | NATIONSTAR MORTGAGE LLC | 66 | 20 | 69 | 51 | Independent Mortgage Company |
| 33 | NATIONS RELIABLE LENDING, LLC | 63 | 33 | 71 | 58 | Independent Mortgage Company |
| 34 | CARRINGTON MORTGAGE SERVICES, LLC | 62 | 26 | 51 | 33 | Independent Mortgage Company |
| 35 | NEW AMERICAN FUNDING, LLC | 56 | 19 | 58 | 137 | Independent Mortgage Company |
| 36 | DIRECT MORTGAGE LOANS, LLC | 53 | 6 | 70 | 26 | Independent Mortgage Company |
| 37 | NEW DAY FINANCIAL, LLC | 52 | 2 | 49 | 34 | Independent Mortgage Company |

## Methodology

Safe Rate calculates these rankings using a risk-adjusted, data-driven scoring system based on Home Mortgage Disclosure Act (HMDA) filings. Rather than relying on simple averages, our statistical models control for loan-level risk factors (such as LTV, loan amount, and property value) to evaluate a lender's true competitiveness within Dayton.

Our composite SafeRate Score is derived using an equal, geometric weighting of the following factors:
1. **Pricing:** Evaluates the lender's interest rates and net fees relative to the market.
2. **Pull-Through:** Measures the percentage of applications that successfully close, indicating reliability and customer service.
3. **Product Knowledge:** Evaluates the lender's specific experience and volume originating the selected loan product.
4. **Local Place Knowledge:** Analyzes the lender's total number of loans originated in the specific geography to determine local market expertise.