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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 FHA Mortgage Bank Lenders in Ohio
Updated February 6, 2026
Market Overview
27
Total Lenders
133,713
Total Loans
0.39%
Median Rate Spread
| Rank | Lender | Overall | Pricing | Product | Pull Through | Place | Avg Fees | Spread | Volume | Action |
|---|---|---|---|---|---|---|---|---|---|---|
1 | Union Savings Bank | Exceptional | Exceptional | Strong | Strong | Exceptional | $984 | +0.172% | 3,119 | |
2 | The Huntington National Bank | Exceptional | Strong | Exceptional | Strong | Exceptional | $299 | +0.429% | 8,206 | |
3 | KeyBank National Association | Exceptional | Exceptional | Strong | Sound | Exceptional | $1,252 | +0.185% | 997 | |
4 | First National Bank of Pennsylvania | Exceptional | Exceptional | Strong | Strong | Strong | $1,126 | +0.134% | 543 | |
5 | Fifth Third Bank, National Association | Exceptional | Strong | Exceptional | Sound | Exceptional | $610 | +0.329% | 3,118 | |
6 | U.S. Bank National Association | Exceptional | Strong | Exceptional | Sound | Exceptional | $1,057 | +0.311% | 1,603 | |
7 | First Federal Savings and Loan Association of Lakewood | Exceptional | Exceptional | Sound | Sound | Exceptional | $966 | +0.241% | 836 | |
8 | Civista Bank | Exceptional | Exceptional | Sound | Sound | Exceptional | $917 | +0.163% | 671 | |
9 | LCNB National Bank | Exceptional | Exceptional | Sound | Sound | Exceptional | $786 | +0.088% | 526 | |
10 | Guardian Savings Bank | Exceptional | Exceptional | Strong | Sound | Strong | $1,124 | +0.172% | 405 | |
11 | PNC Bank, National Association | Exceptional | Strong | Strong | Sound | Exceptional | -$136 | +0.211% | 1,198 | |
12 | The State Bank and Trust Company | Exceptional | Strong | Sound | Strong | Exceptional | $1,292 | +0.061% | 563 | |
13 | WesBanco Bank, Inc. | Exceptional | Strong | Strong | Strong | Strong | $1,462 | +0.199% | 414 | |
14 | First Commonwealth Bank | Exceptional | Strong | Strong | Strong | Strong | $1,007 | +0.192% | 414 | |
15 | The Union Bank Company | Exceptional | Exceptional | Sound | Sound | Strong | $1,024 | +0.221% | 274 | |
16 | Premier Bank | Strong | Strong | Sound | Sound | Exceptional | $1,066 | +0.405% | 1,037 | |
17 | Citizens Bank, National Association | Strong | Strong | Strong | Sound | Strong | $248 | +0.195% | 766 | |
18 | Flagstar Bank, N.A. | Strong | Sound | Exceptional | Strong | Strong | $2,341 | +0.583% | 642 | |
19 | Dollar Bank, Federal Savings Bank | Strong | Strong | Strong | Sound | Strong | $903 | +0.287% | 313 | |
20 | JPMorgan Chase Bank, National Association | Strong | Sound | Strong | Sound | Exceptional | $2,018 | +0.228% | 2,884 | |
21 | First Financial Bank | Strong | Sound | Strong | Sound | Exceptional | $1,522 | +0.441% | 914 | |
22 | Peoples Bank | Strong | Strong | Sound | Sound | Strong | $781 | +0.261% | 337 | |
23 | The Farmers National Bank of Canfield | Strong | Sound | Sound | Sound | Exceptional | $1,227 | +0.389% | 473 | |
24 | Wells Fargo Bank, National Association | Strong | Sound | Strong | Sound | Strong | $2,252 | +0.131% | 359 | |
25 | The Park National Bank | Strong | Acceptable | Acceptable | Strong | Exceptional | $1,325 | +0.430% | 1,229 | |
26 | Ixonia Bank | Strong | Mediocre | Exceptional | Strong | Strong | $3,422 | +0.871% | 890 | |
27 | Bank of America, National Association | Strong | Acceptable | Strong | Sound | Strong | $1,352 | -0.271% | 320 |
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)
10
Pricing
Rate and fee competitiveness (25%)
10
Pull Through
Reliability in closing loans (25%)
10
Product
Specialization in the loan type (25%)
10
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.
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