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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 Ohio
Updated February 6, 2026
Market Overview
350
Total Lenders
133,713
Total Loans
0.39%
Median Rate Spread
| Rank | Lender | Overall | Pricing | Pull Through | Place | Avg Fees | Spread | Volume | Action |
|---|---|---|---|---|---|---|---|---|---|
1 | WRIGHT-PATT CREDIT UNION, INC. | Exceptional | Exceptional | Strong | Exceptional | $404 | -0.385% | 2,094 | |
2 | VICTORY MORTGAGE, L.L.C. | Exceptional | Exceptional | Strong | Exceptional | $561 | -0.144% | 1,026 | |
3 | LCNB National Bank | Exceptional | Exceptional | Strong | Exceptional | $786 | +0.088% | 526 | |
4 | The Huntington National Bank | Exceptional | Strong | Strong | Exceptional | $299 | +0.429% | 8,206 | |
5 | Fifth Third Bank, National Association | Exceptional | Strong | Strong | Exceptional | $610 | +0.329% | 3,118 | |
6 | Third Federal Savings and Loan Association of Cleveland | Exceptional | Strong | Strong | Exceptional | $839 | +0.086% | 1,805 | |
7 | U.S. Bank National Association | Exceptional | Strong | Strong | Exceptional | $1,057 | +0.311% | 1,603 | |
8 | PNC Bank, National Association | Exceptional | Strong | Strong | Exceptional | -$136 | +0.211% | 1,198 | |
9 | KeyBank National Association | Exceptional | Strong | Strong | Exceptional | $1,252 | +0.185% | 997 | |
10 | First Federal Savings and Loan Association of Lakewood | Exceptional | Strong | Strong | Exceptional | $966 | +0.241% | 836 | |
11 | NAVY FEDERAL CREDIT UNION | Exceptional | Exceptional | Sound | Strong | $554 | -0.414% | 828 | |
12 | Civista Bank | Exceptional | Strong | Strong | Exceptional | $917 | +0.163% | 671 | |
13 | THE EQUITABLE MORTGAGE CORPORATION | Exceptional | Strong | Strong | Exceptional | $1,601 | +0.139% | 570 | |
14 | The State Bank and Trust Company | Exceptional | Strong | Strong | Exceptional | $1,292 | +0.061% | 563 | |
15 | UNITED WHOLESALE MORTGAGE, LLC | Strong | Sound | Exceptional | Exceptional | $2,404 | +0.296% | 5,780 | |
16 | Citizens Bank, National Association | Strong | Strong | Strong | Strong | $248 | +0.195% | 766 | |
17 | Seven Seventeen Credit Union | Strong | Strong | Strong | Strong | $1,654 | -0.030% | 439 | |
18 | First Commonwealth Bank | Strong | Strong | Strong | Strong | $1,007 | +0.192% | 414 | |
19 | Bank of America, National Association | Strong | Strong | Strong | Strong | $1,352 | -0.271% | 320 | |
20 | GENERAL ELECTRIC CREDIT UNION | Strong | Strong | Strong | Strong | $848 | +0.028% | 293 | |
21 | Union Savings Bank | Strong | Sound | Strong | Exceptional | $984 | +0.172% | 3,119 | |
22 | JPMorgan Chase Bank, National Association | Strong | Sound | Strong | Exceptional | $2,018 | +0.228% | 2,884 | |
23 | GUARANTEED RATE, INC. | Strong | Sound | Strong | Exceptional | $2,386 | +0.294% | 2,530 | |
24 | RUOFF MORTGAGE COMPANY, INC. | Strong | Sound | Strong | Exceptional | $2,213 | +0.372% | 1,958 | |
25 | LOANDEPOT.COM, LLC | Strong | Sound | Strong | Exceptional | $2,299 | +0.566% | 1,927 | |
26 | Premier Bank | Strong | Sound | Strong | Exceptional | $1,066 | +0.405% | 1,037 | |
27 | First Financial Bank | Strong | Sound | Strong | Exceptional | $1,522 | +0.441% | 914 | |
28 | EQUITY RESOURCES, INC. | Strong | Sound | Strong | Exceptional | $1,605 | +0.389% | 728 | |
29 | The Farmers National Bank of Canfield | Strong | Sound | Strong | Exceptional | $1,227 | +0.389% | 473 | |
30 | Wells Fargo Bank, National Association | Strong | Strong | Sound | Strong | $2,252 | +0.131% | 359 | |
31 | Peoples Bank | Strong | Strong | Sound | Strong | $781 | +0.261% | 337 | |
32 | ARK-LA-TEX FINANCIAL SERVICES, LLC. | Strong | Sound | Exceptional | Strong | $1,154 | +0.448% | 298 | |
33 | FIRST EQUITY MORTGAGE INCORPORATED | Strong | Strong | Sound | Strong | $995 | +0.054% | 284 | |
34 | The Union Bank Company | Strong | Strong | Sound | Strong | $1,024 | +0.221% | 274 | |
35 | ROCKET MORTGAGE, LLC | Strong | Acceptable | Exceptional | Exceptional | $3,563 | +0.479% | 11,005 | |
36 | UNION HOME MORTGAGE CORP. | Strong | Acceptable | Exceptional | Exceptional | $3,254 | +0.761% | 3,651 | |
37 | NFM, INC. | Strong | Acceptable | Exceptional | Exceptional | $3,704 | +0.644% | 2,434 | |
38 | FAIRWAY INDEPENDENT MORTGAGE CORPORATION | Strong | Acceptable | Exceptional | Exceptional | $3,004 | +0.585% | 2,217 | |
39 | FREEDOM MORTGAGE CORPORATION | Strong | Sound | Strong | Strong | $2,246 | +0.465% | 1,071 | |
40 | PENNYMAC LOAN SERVICES, LLC | Strong | Sound | Strong | Strong | $1,553 | +0.064% | 845 | |
41 | SUPERIOR CREDIT UNION, INC. | Strong | Sound | Sound | Exceptional | $1,187 | +0.282% | 613 | |
42 | First National Bank of Pennsylvania | Strong | Sound | Strong | Strong | $1,126 | +0.134% | 543 | |
43 | WesBanco Bank, Inc. | Strong | Sound | Strong | Strong | $1,462 | +0.199% | 414 | |
44 | Guardian Savings Bank | Strong | Sound | Strong | Strong | $1,124 | +0.172% | 405 | |
45 | Dollar Bank, Federal Savings Bank | Strong | Sound | Strong | Strong | $903 | +0.287% | 313 | |
46 | CROSSCOUNTRY MORTGAGE, LLC | Strong | Acceptable | Strong | Exceptional | $3,360 | +0.722% | 8,629 | |
47 | Mortgage Research Center, LLC | Strong | Acceptable | Strong | Exceptional | $1,522 | +0.698% | 2,573 | |
48 | LOWER, LLC | Strong | Acceptable | Strong | Exceptional | $2,803 | +0.616% | 1,789 | |
49 | HOWARD HANNA FINANCIAL SERVICES, INC. | Strong | Acceptable | Strong | Exceptional | $2,332 | +0.349% | 1,621 | |
50 | The Park National Bank | Strong | Acceptable | Strong | Exceptional | $1,325 | +0.430% | 1,229 |
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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