Safe Rate Rankings

Best Conventional Mortgage Lenders in Lima

Updated February 6, 2026

⚖️ The 4 PsRankings are calculated based on observed lender differences on closed loans across Pricing, Pull-through, Product, and Place.

🛡️ No Pay to PlayLenders cannot buy their way to the top. Rankings are 100% earned.

📊 HMDA 2024Built using publicly available originated loan data from the federal government.

🎯 Peer BenchmarkedPerformance is normalized and benchmarked against peer institutions.

Market

Total Lenders22

Total Loans846

Median Rate Spread0.54%

Shopping for a mortgage? Click the heart icon to save lenders to My Home and make comparison painless.

Rank	Lender	Overall	Pricing	Product	Pull Through	Place	Avg Fees	Rate Spread	# of Loans
1	The Huntington National BankBank	Exceptional	Strong	Exceptional	Strong	Strong	$312Fees	0.801%Above	41
2	The Citizens National Bank of BlufftonBank	Exceptional	Strong	Sound	Strong	Exceptional	$914Fees	0.252%Above	72
3	U.S. Bank National AssociationBank	Exceptional	Strong	Exceptional	Strong	Sound	$858Fees	0.335%Above	21
4	TopMark Federal Credit UnionCredit Union	Strong	Strong	Sound	Strong	Strong	$1,475Fees	0.125%Above	40
5	LOANDEPOT.COM, LLCIndependent Mortgage Company	Strong	Sound	Exceptional	Strong	Strong	$1,723Fees	0.627%Above	36
6	The State Bank and Trust CompanyBank	Strong	Strong	Strong	Strong	Sound	$1,582Fees	0.201%Above	26
7	Fifth Third Bank, National AssociationBank	Strong	Strong	Exceptional	Sound	Sound	$740Fees	0.516%Above	21
8	SUPERIOR CREDIT UNION, INC.Credit Union	Strong	Sound	Strong	Sound	Exceptional	$1,218Fees	0.343%Above	189
9	ROCKET MORTGAGE, LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Exceptional	Strong	$3,197Fees	0.589%Above	69
10	JPMorgan Chase Bank, National AssociationBank	Strong	Sound	Exceptional	Strong	Sound	$1,735Fees	0.573%Above	23
11	The Union Bank CompanyBank	Strong	Strong	Sound	Strong	Sound	$1,221Fees	0.258%Above	23
12	CROSSCOUNTRY MORTGAGE, LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Strong	$3,580Fees	1.023%Above	37
13	Premier BankBank	Strong	Sound	Strong	Strong	Sound	$959Fees	0.570%Above	27
14	UNITED WHOLESALE MORTGAGE, LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Exceptional	Sound	$1,929Fees	0.160%Above	16
15	GUARANTEED RATE, INC.Independent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Sound	$1,937Fees	0.651%Above	23
16	LOWER, LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Sound	$1,703Fees	0.895%Above	16
17	SUPERIOR FINANCIAL SOLUTIONS, LLCIndependent Mortgage Company	Sound	Acceptable	Sound	Sound	Strong	$1,700Fees	0.608%Above	43
18	The Federal Savings BankBank	Sound	Mediocre	Strong	Sound	Strong	$2,151Fees	0.683%Above	57
19	GENEVA FINANCIAL, LLCIndependent Mortgage Company	Sound	Mediocre	Strong	Strong	Sound	$3,850Fees	0.756%Above	12

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)

Pricing

Rate and fee competitiveness (25%)

Pull Through

Reliability in closing loans (25%)

Product

Specialization in the loan type (25%)

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.