Safe Rate Rankings

Best FHA Mortgage Lenders in Ohio

Updated June 4, 2026

Rankings are a starting point, not a verdict. Safe Rate recommends speaking with 2-3 lenders to find the right fit for your home loan!

⚖️ 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 Lenders350

Total Loans133,713

Median Rate Spread0.39%

Ohio Market Insights

Union Savings Bank Oh is Safe Rate's top-ranked FHA lender in Ohio, leading on pricing, pullthrough, FHA product expertise, and local knowledge.
There is often a pricing vs. pullthrough tradeoff in mortgage lending. In Ohio, Union Savings Bank Oh and Victory Mortgage scores highest on FHA pricing while Nfm and Rocket Mortgage leads on likelihood to close. That is why we encourage speaking with multiple lenders.
United Wholesale Mortgage (UWM) ranks #3 in Ohio, serving as the platform behind many independent local brokers who live and work in the community. A local broker knows the neighborhoods, the local market, and is personally invested in your outcome. Real estate agents often prefer referring local brokers for their accessibility and responsiveness, qualities that matter when a deal is moving fast. Pricing and experience can vary by broker.
Popular names in Ohio: Rocket Mortgage (#5) and The Huntington National Bank (#2).

Explore Rankings by Type

Overall Rankings

All lenders in Ohio

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By Institution Type

Banks Credit Unions Mortgage Companies

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Rank	Lender	Overall	Pricing	Product	Pull Through	Place	Avg Fees	Rate Spread	# of Loans
1	Union Savings Bank BankDirect	Exceptional	Exceptional	Strong	Strong	Exceptional	$984Fees	0.172%Above	3,119
2	The Huntington National Bank BankDirect	Exceptional	Strong	Exceptional	Strong	Exceptional	$299Fees	0.429%Above	8,206
3	UNITED WHOLESALE MORTGAGE, LLC Independent Mortgage CompanyWholesale	Exceptional	Sound*	Exceptional	Exceptional	Exceptional	$2,404Fees	0.296%Above	5,780
4	VICTORY MORTGAGE, L.L.C. Independent Mortgage CompanyDirect	Exceptional	Exceptional	Strong	Strong	Exceptional	$561Fees	0.144%Below	1,026
5	ROCKET MORTGAGE, LLC Independent Mortgage CompanyDirect & Wholesale	Strong	Acceptable*	Exceptional	Exceptional	Exceptional	$3,563Fees	0.479%Above	11,005
6	Fifth Third Bank, National Association BankDirect	Strong	Strong	Exceptional	Sound	Exceptional	$610Fees	0.329%Above	3,118
7	LOANDEPOT.COM, LLC Independent Mortgage CompanyDirect & Wholesale	Strong	Sound*	Exceptional	Strong	Exceptional	$2,299Fees	0.566%Above	1,927
8	PENNYMAC LOAN SERVICES, LLC Independent Mortgage CompanyDirect & Wholesale	Strong	Strong*	Exceptional	Sound	Strong	$1,553Fees	0.064%Above	845
9	NFM, INC. Independent Mortgage CompanyDirect	Strong	Acceptable	Exceptional	Exceptional	Exceptional	$3,704Fees	0.644%Above	2,434
10	WRIGHT-PATT CREDIT UNION, INC. Credit UnionDirect	Strong	Strong	Strong	Sound	Exceptional	$404Fees	0.385%Below	2,094
11	FREEDOM MORTGAGE CORPORATION Independent Mortgage CompanyDirect & Wholesale	Strong	Strong*	Exceptional	Strong	Strong	$2,246Fees	0.465%Above	1,071
12	KeyBank National Association BankDirect	Strong	Exceptional	Strong	Sound	Exceptional	$1,252Fees	0.185%Above	997
13	RELIANCE FIRST CAPITAL, LLC Independent Mortgage CompanyDirect	Strong	—	Exceptional	Exceptional	Strong	—	—	547
14	ARK-LA-TEX FINANCIAL SERVICES, LLC. Independent Mortgage CompanyDirect & Wholesale	Strong	Strong*	Exceptional	Strong	Strong	$1,154Fees	0.448%Above	298
15	U.S. Bank National Association BankDirect	Strong	Strong	Exceptional	Sound	Exceptional	$1,057Fees	0.311%Above	1,603
16	M/I FINANCIAL, LLC Independent Mortgage CompanyDirect	Strong	Sound	Exceptional	Strong	Exceptional	$3,018Fees	0.017%Above	1,006
17	Flagstar Bank, N.A. BankDirect & Wholesale	Strong	Sound*	Exceptional	Strong	Strong	$2,341Fees	0.583%Above	642
18	WesBanco Bank, Inc. BankDirect	Strong	Strong	Strong	Strong	Strong	$1,462Fees	0.199%Above	414
19	First Commonwealth Bank BankDirect	Strong	Strong	Strong	Strong	Strong	$1,007Fees	0.192%Above	414
20	HOWARD HANNA FINANCIAL SERVICES, INC. Independent Mortgage CompanyDirect	Strong	Sound	Strong	Strong	Exceptional	$2,332Fees	0.349%Above	1,621
21	First National Bank of Pennsylvania BankDirect	Strong	Exceptional	Strong	Strong	Strong	$1,126Fees	0.134%Above	543
22	UNION HOME MORTGAGE CORP. Independent Mortgage CompanyDirect & Wholesale	Strong	Acceptable*	Exceptional	Exceptional	Exceptional	$3,254Fees	0.761%Above	3,651
23	GUARANTEED RATE, INC. Independent Mortgage CompanyDirect	Strong	Acceptable	Exceptional	Strong	Exceptional	$2,386Fees	0.294%Above	2,530
24	FIRST COMMUNITY MORTGAGE, INC. Independent Mortgage CompanyDirect & Wholesale	Strong	Acceptable*	Exceptional	Exceptional	Strong	$3,000Fees	0.461%Above	999
25	First Federal Savings and Loan Association of Lakewood BankDirect	Strong	Exceptional	Sound	Sound	Exceptional	$966Fees	0.241%Above	836
26	Citizens Bank, National Association BankDirect	Strong	Strong	Strong	Sound	Strong	$248Fees	0.195%Above	766
27	CROSSCOUNTRY MORTGAGE, LLC Independent Mortgage CompanyDirect	Strong	Mediocre	Exceptional	Strong	Exceptional	$3,360Fees	0.722%Above	8,629
28	FAIRWAY INDEPENDENT MORTGAGE CORPORATION Independent Mortgage CompanyDirect	Strong	Acceptable	Exceptional	Exceptional	Exceptional	$3,004Fees	0.585%Above	2,217
29	NEWREZ LLC Independent Mortgage CompanyDirect & Wholesale	Strong	Sound*	Exceptional	Sound	Exceptional	$1,861Fees	0.535%Above	1,398
30	Civista Bank BankDirect	Strong	Exceptional	Sound	Sound	Exceptional	$917Fees	0.163%Above	671
31	Guardian Savings Bank BankDirect	Strong	Exceptional	Strong	Sound	Strong	$1,124Fees	0.172%Above	405
32	The Union Bank Company BankDirect	Strong	Exceptional	Sound	Sound	Strong	$1,024Fees	0.221%Above	274
33	RUOFF MORTGAGE COMPANY, INC. Independent Mortgage CompanyDirect	Strong	Acceptable	Exceptional	Strong	Exceptional	$2,213Fees	0.372%Above	1,958
34	PNC Bank, National Association BankDirect	Strong	Strong	Strong	Sound	Exceptional	$136Credit	0.211%Above	1,198
35	GoodLeap, LLC Independent Mortgage CompanyDirect	Strong	Strong	Exceptional	Sound	Strong	$3,352Fees	0.074%Above	376
36	JPMorgan Chase Bank, National Association BankDirect & Wholesale	Strong	Sound*	Strong	Sound	Exceptional	$2,018Fees	0.228%Above	2,884
37	Premier Bank BankDirect	Strong	Strong	Sound	Sound	Exceptional	$1,066Fees	0.405%Above	1,037
38	PRIMELENDING, A PLAINSCAPITAL COMPANY Independent Mortgage CompanyDirect	Strong	Acceptable	Exceptional	Exceptional	Strong	$2,635Fees	0.591%Above	1,028
39	THE EQUITABLE MORTGAGE CORPORATION Independent Mortgage CompanyDirect	Strong	Strong	Strong	Sound	Exceptional	$1,601Fees	0.139%Above	570
40	The State Bank and Trust Company BankDirect	Strong	Strong	Sound	Strong	Exceptional	$1,292Fees	0.061%Above	563
41	T2 FINANCIAL LLC Independent Mortgage CompanyDirect	Strong	Acceptable	Exceptional	Exceptional	Strong	$3,186Fees	0.547%Above	552
42	Nations Lending Corporation Independent Mortgage CompanyDirect	Strong	Acceptable	Exceptional	Exceptional	Strong	$3,137Fees	0.514%Above	512
43	CMG MORTGAGE, INC. Independent Mortgage CompanyDirect	Strong	Acceptable	Exceptional	Strong	Strong	$2,004Fees	0.447%Above	320
44	LOWER, LLC Independent Mortgage CompanyDirect & Wholesale	Strong	Acceptable*	Exceptional	Strong	Exceptional	$2,803Fees	0.616%Above	1,789
45	FIRST OHIO HOME FINANCE, INC. Independent Mortgage CompanyDirect	Strong	—	Strong	Strong	Exceptional	—	—	638
46	MOVEMENT MORTGAGE, LLC Independent Mortgage CompanyDirect	Strong	Acceptable	Exceptional	Strong	Strong	$2,835Fees	0.529%Above	389
47	RMC HOME MORTGAGE, LLC Independent Mortgage CompanyDirect	Strong	Sound	Exceptional	Strong	Strong	$4,248Fees	0.232%Above	311
48	DAS Acquisition Company, LLC Independent Mortgage CompanyDirect	Strong	Mediocre	Exceptional	Exceptional	Strong	$3,790Fees	0.697%Above	855
49	EQUITY RESOURCES, INC. Independent Mortgage CompanyDirect	Strong	Acceptable	Strong	Strong	Exceptional	$1,605Fees	0.389%Above	728
50	LCNB National Bank BankDirect	Strong	Exceptional	Sound	Sound	Exceptional	$786Fees	0.088%Above	526

❓ Frequently Asked Questions

How are mortgage lenders ranked in Ohio?+

Safe Rate ranks lenders using the 4 Ps framework, derived entirely from HMDA (Home Mortgage Disclosure Act) data: Pricing (how competitively a lender prices loans vs. the market benchmark), Pullthrough (how effectively a lender closes applications), Place (the lender's depth of expertise in Ohio), and Product (performance on specific loan types). Each lender receives a composite Safe Rate Score from 0–100. No lender pays to appear in the rankings.

What is the Safe Rate Score?+

The Safe Rate Score is a 0–100 composite index measuring a lender's performance across Pricing, Pullthrough, Place, and Product. Scores of 80 or above earn Champion status; scores of 60–79 earn Superstar status. All scores are calculated from verified HMDA data — no lender can pay to improve their position.

How many mortgage lenders are active in Ohio?+

Based on 2024 HMDA data, 350 lenders originated a combined 133,713 loans in Ohio. Safe Rate's rankings evaluate all of them — not just a curated shortlist.

What does the rate spread tell me about a lender in Ohio?+

Rate spread measures how much above the Average Prime Offer Rate (APOR) a lender charges. The median rate spread in Ohio is 0.39%. Lenders in Safe Rate's top rankings consistently price below this median, meaning borrowers typically pay less interest over the life of their loan.

What is HMDA data and why does Safe Rate use it?+

HMDA (Home Mortgage Disclosure Act) is a federal law requiring every mortgage lender to disclose every loan application annually — including rates, amounts, approvals, and denials. Safe Rate uses HMDA because it is government-verified, covers all lenders equally, and cannot be gamed. It is the most objective foundation available for lender rankings.

Does Safe Rate accept payment from lenders to appear in rankings?+

No. Safe Rate rankings are strictly data-driven. No lender can pay to appear in or improve their position in Safe Rate's rankings. The only factor that determines a lender's rank is their verified HMDA performance data.

What is the difference between a bank, credit union, and independent mortgage company?+

Banks and credit unions offer mortgages alongside checking, savings, and other products. Independent Mortgage Companies (IMCs) focus exclusively on originating loans and often offer more product variety and speed. In Ohio's rankings, all three institution types are evaluated on the same HMDA performance metrics.

How We Rank Lenders

Our rankings use a weighted average of scores across equally-weighted categories to evaluate lenders on a linear, raw performance scale.

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.

⚖️ Licensing & Disclosures

Lender rankings and market statistics are created by Dylan Hall, licensed mortgage loan officer (NMLS #1658740). Safe Rate is a mortgage technology platform; mortgage lending services are provided by PartnerOwn LLC dba Safe Rate Mortgage, a licensed mortgage broker and lender (NMLS #1590949). Safe Rate Mortgage is a lending partner of some of the lenders ranked on this page, and Safe Rate Inc. has software or service customers on this list; however, all rankings are calculated using objective, public Home Mortgage Disclosure Act (HMDA) datasets, completely independent of any corporate partnerships, client relationships, or compensation.