Safe Rate Rankings

Best VA Mortgage Bank Lenders in Ohio

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 Lenders23

Total Loans133,713

Median Rate Spread0.39%

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Rank	Lender	Overall	Pricing	Product	Pull Through	Place	Avg Fees	Rate Spread	# of Loans
1	Union Savings BankBank	Exceptional	Exceptional	Strong	Exceptional	Exceptional	$984Fees	0.172%Above	3,119
2	Fifth Third Bank, National AssociationBank	Exceptional	Exceptional	Strong	Strong	Exceptional	$610Fees	0.329%Above	3,118
3	KeyBank National AssociationBank	Exceptional	Exceptional	Strong	Strong	Exceptional	$1,252Fees	0.185%Above	997
4	The Huntington National BankBank	Exceptional	Strong	Exceptional	Strong	Exceptional	$299Fees	0.429%Above	8,206
5	U.S. Bank National AssociationBank	Exceptional	Strong	Exceptional	Strong	Exceptional	$1,057Fees	0.311%Above	1,603
6	LCNB National BankBank	Exceptional	Exceptional	Sound	Strong	Exceptional	$786Fees	0.088%Above	526
7	JPMorgan Chase Bank, National AssociationBank	Exceptional	Strong	Exceptional	Sound	Exceptional	$2,018Fees	0.228%Above	2,884
8	First Federal Savings and Loan Association of LakewoodBank	Exceptional	Strong	—	Strong	Exceptional	$966Fees	0.241%Above	836
9	Civista BankBank	Exceptional	Strong	—	Strong	Exceptional	$917Fees	0.163%Above	671
10	First National Bank of PennsylvaniaBank	Exceptional	Strong	Strong	Strong	Strong	$1,126Fees	0.134%Above	543
11	USAA Federal Savings BankBank	Exceptional	Strong	Exceptional	Sound	Strong	$1,562Fees	0.103%Below	426
12	Citizens Bank, National AssociationBank	Strong	Strong	Strong	Sound	Strong	$248Fees	0.195%Above	766
13	Flagstar Bank, N.A.Bank	Strong	Sound	Exceptional	Strong	Strong	$2,341Fees	0.583%Above	642
14	The State Bank and Trust CompanyBank	Strong	Strong	Acceptable	Strong	Exceptional	$1,292Fees	0.061%Above	563
15	WesBanco Bank, Inc.Bank	Strong	Strong	Strong	Sound	Strong	$1,462Fees	0.199%Above	414
16	First Commonwealth BankBank	Strong	Strong	Sound	Strong	Strong	$1,007Fees	0.192%Above	414
17	The Union Bank CompanyBank	Strong	Strong	Sound	Strong	Strong	$1,024Fees	0.221%Above	274
18	PNC Bank, National AssociationBank	Strong	Sound	Strong	Sound	Exceptional	$136Credit	0.211%Above	1,198
19	The Farmers National Bank of CanfieldBank	Strong	Sound	Sound	Strong	Exceptional	$1,227Fees	0.389%Above	473
20	Premier BankBank	Strong	Sound	Acceptable	Strong	Exceptional	$1,066Fees	0.405%Above	1,037
21	The Park National BankBank	Strong	Acceptable	Acceptable	Strong	Exceptional	$1,325Fees	0.430%Above	1,229
22	Ixonia BankBank	Strong	Mediocre	Exceptional	Strong	Strong	$3,422Fees	0.871%Above	890
23	First Financial BankBank	Sound	Mediocre	Sound	Sound	Exceptional	$1,522Fees	0.441%Above	914

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.