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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 Lenders in Lima
Updated February 6, 2026
Market Overview
22
Total Lenders
846
Total Loans
0.54%
Median Rate Spread
| Rank | Lender | Overall | Pricing | Pull Through | Place | Avg Fees | Spread | Volume | Action |
|---|---|---|---|---|---|---|---|---|---|
1 | The Citizens National Bank of Bluffton | Strong | Strong | Sound | Exceptional | $914 | +0.252% | 72 | |
2 | The Huntington National Bank | Strong | Strong | Strong | Strong | $312 | +0.801% | 41 | |
3 | The State Bank and Trust Company | Strong | Strong | Strong | Sound | $1,582 | +0.201% | 26 | |
4 | U.S. Bank National Association | Strong | Strong | Strong | Sound | $858 | +0.335% | 21 | |
5 | Fifth Third Bank, National Association | Strong | Strong | Strong | Sound | $740 | +0.516% | 21 | |
6 | SUPERIOR CREDIT UNION, INC. | Strong | Sound | Sound | Exceptional | $1,218 | +0.343% | 189 | |
7 | TopMark Federal Credit Union | Strong | Strong | Acceptable | Strong | $1,475 | +0.125% | 40 | |
8 | LOANDEPOT.COM, LLC | Strong | Sound | Strong | Strong | $1,723 | +0.627% | 36 | |
9 | The Union Bank Company | Strong | Strong | Sound | Sound | $1,221 | +0.258% | 23 | |
10 | ROCKET MORTGAGE, LLC | Strong | Acceptable | Exceptional | Strong | $3,197 | +0.589% | 69 | |
11 | Premier Bank | Strong | Sound | Strong | Sound | $959 | +0.570% | 27 | |
12 | GUARANTEED RATE, INC. | Strong | Sound | Strong | Sound | $1,937 | +0.651% | 23 | |
13 | JPMorgan Chase Bank, National Association | Strong | Sound | Strong | Sound | $1,735 | +0.573% | 23 | |
14 | CROSSCOUNTRY MORTGAGE, LLC | Strong | Acceptable | Strong | Strong | $3,580 | +1.023% | 37 | |
15 | The Federal Savings Bank | Sound | Mediocre | Sound | Strong | $2,151 | +0.683% | 57 | |
16 | SUPERIOR FINANCIAL SOLUTIONS, LLC | Sound | Acceptable | Mediocre | Strong | $1,700 | +0.608% | 43 |
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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