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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 Conventional 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 | Product | Pull Through | Place | Avg Fees | Spread | Volume | Action |
|---|---|---|---|---|---|---|---|---|---|---|
1 | WRIGHT-PATT CREDIT UNION, INC. | Exceptional | Exceptional | Exceptional | Strong | Exceptional | $404 | -0.385% | 2,094 | |
2 | VICTORY MORTGAGE, L.L.C. | Exceptional | Exceptional | Strong | Strong | Exceptional | $561 | -0.144% | 1,026 | |
3 | The Huntington National Bank | Exceptional | Strong | Exceptional | Strong | Exceptional | $299 | +0.429% | 8,206 | |
4 | Third Federal Savings and Loan Association of Cleveland | Exceptional | Strong | Exceptional | Strong | Exceptional | $839 | +0.086% | 1,805 | |
5 | U.S. Bank National Association | Exceptional | Strong | Exceptional | Strong | Exceptional | $1,057 | +0.311% | 1,603 | |
6 | PNC Bank, National Association | Exceptional | Strong | Exceptional | Strong | Exceptional | -$136 | +0.211% | 1,198 | |
7 | KeyBank National Association | Exceptional | Strong | Exceptional | Strong | Exceptional | $1,252 | +0.185% | 997 | |
8 | NAVY FEDERAL CREDIT UNION | Exceptional | Exceptional | Exceptional | Sound | Strong | $554 | -0.414% | 828 | |
9 | LCNB National Bank | Exceptional | Exceptional | Strong | Sound | Exceptional | $786 | +0.088% | 526 | |
10 | Fifth Third Bank, National Association | Exceptional | Strong | Exceptional | Sound | Exceptional | $610 | +0.329% | 3,118 | |
11 | First Federal Savings and Loan Association of Lakewood | Exceptional | Strong | Strong | Strong | Exceptional | $966 | +0.241% | 836 | |
12 | Civista Bank | Exceptional | Strong | Strong | Strong | Exceptional | $917 | +0.163% | 671 | |
13 | The State Bank and Trust Company | Exceptional | Strong | Strong | Strong | Exceptional | $1,292 | +0.061% | 563 | |
14 | First National Bank of Pennsylvania | Exceptional | Strong | Exceptional | Strong | Strong | $1,126 | +0.134% | 543 | |
15 | Bank of America, National Association | Exceptional | Strong | Exceptional | Strong | Strong | $1,352 | -0.271% | 320 | |
16 | Union Savings Bank | Exceptional | Sound | Exceptional | Strong | Exceptional | $984 | +0.172% | 3,119 | |
17 | JPMorgan Chase Bank, National Association | Exceptional | Sound | Exceptional | Strong | Exceptional | $2,018 | +0.228% | 2,884 | |
18 | RUOFF MORTGAGE COMPANY, INC. | Exceptional | Sound | Exceptional | Strong | Exceptional | $2,213 | +0.372% | 1,958 | |
19 | LOANDEPOT.COM, LLC | Exceptional | Sound | Exceptional | Strong | Exceptional | $2,299 | +0.566% | 1,927 | |
20 | First Financial Bank | Exceptional | Sound | Exceptional | Strong | Exceptional | $1,522 | +0.441% | 914 | |
21 | Citizens Bank, National Association | Exceptional | Strong | Exceptional | Sound | Strong | $248 | +0.195% | 766 | |
22 | THE EQUITABLE MORTGAGE CORPORATION | Exceptional | Strong | Strong | Sound | Exceptional | $1,601 | +0.139% | 570 | |
23 | Seven Seventeen Credit Union | Exceptional | Strong | Strong | Strong | Strong | $1,654 | -0.030% | 439 | |
24 | Wells Fargo Bank, National Association | Exceptional | Strong | Exceptional | Sound | Strong | $2,252 | +0.131% | 359 | |
25 | Peoples Bank | Exceptional | Strong | Strong | Strong | Strong | $781 | +0.261% | 337 | |
26 | ROCKET MORTGAGE, LLC | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $3,563 | +0.479% | 11,005 | |
27 | UNITED WHOLESALE MORTGAGE, LLC | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $2,404 | +0.296% | 5,780 | |
28 | Premier Bank | Strong | Sound | Strong | Strong | Exceptional | $1,066 | +0.405% | 1,037 | |
29 | EQUITY RESOURCES, INC. | Strong | Sound | Strong | Strong | Exceptional | $1,605 | +0.389% | 728 | |
30 | MUTUAL OF OMAHA MORTGAGE, INC. | Strong | Strong | Strong | Sound | Strong | $2,287 | +0.406% | 626 | |
31 | The Farmers National Bank of Canfield | Strong | Sound | Strong | Strong | Exceptional | $1,227 | +0.389% | 473 | |
32 | WesBanco Bank, Inc. | Strong | Sound | Exceptional | Strong | Strong | $1,462 | +0.199% | 414 | |
33 | First Commonwealth Bank | Strong | Sound | Exceptional | Strong | Strong | $1,007 | +0.192% | 414 | |
34 | ARK-LA-TEX FINANCIAL SERVICES, LLC. | Strong | Sound | Exceptional | Strong | Strong | $1,154 | +0.448% | 298 | |
35 | FIRST EQUITY MORTGAGE INCORPORATED | Strong | Strong | Strong | Sound | Strong | $995 | +0.054% | 284 | |
36 | The Union Bank Company | Strong | Strong | Sound | Strong | Strong | $1,024 | +0.221% | 274 | |
37 | CROSSCOUNTRY MORTGAGE, LLC | Strong | Acceptable | Exceptional | Strong | Exceptional | $3,360 | +0.722% | 8,629 | |
38 | UNION HOME MORTGAGE CORP. | Strong | Acceptable | Exceptional | Strong | Exceptional | $3,254 | +0.761% | 3,651 | |
39 | GUARANTEED RATE, INC. | Strong | Acceptable | Exceptional | Strong | Exceptional | $2,386 | +0.294% | 2,530 | |
40 | FAIRWAY INDEPENDENT MORTGAGE CORPORATION | Strong | Acceptable | Exceptional | Strong | Exceptional | $3,004 | +0.585% | 2,217 | |
41 | LOWER, LLC | Strong | Acceptable | Exceptional | Strong | Exceptional | $2,803 | +0.616% | 1,789 | |
42 | HOWARD HANNA FINANCIAL SERVICES, INC. | Strong | Acceptable | Exceptional | Strong | Exceptional | $2,332 | +0.349% | 1,621 | |
43 | The Park National Bank | Strong | Acceptable | Exceptional | Strong | Exceptional | $1,325 | +0.430% | 1,229 | |
44 | PENNYMAC LOAN SERVICES, LLC | Strong | Sound | Exceptional | Sound | Strong | $1,553 | +0.064% | 845 | |
45 | SUPERIOR CREDIT UNION, INC. | Strong | Sound | Strong | Sound | Exceptional | $1,187 | +0.282% | 613 | |
46 | Nations Lending Corporation | Strong | Acceptable | Exceptional | Exceptional | Strong | $3,137 | +0.514% | 512 | |
47 | Guardian Savings Bank | Strong | Sound | Strong | Strong | Strong | $1,124 | +0.172% | 405 | |
48 | Dollar Bank, Federal Savings Bank | Strong | Sound | Strong | Strong | Strong | $903 | +0.287% | 313 | |
49 | PRIMELENDING, A PLAINSCAPITAL COMPANY | Strong | Acceptable | Exceptional | Strong | Strong | $2,635 | +0.591% | 1,028 | |
50 | M/I FINANCIAL, LLC | Strong | Acceptable | Strong | Strong | Exceptional | $3,018 | +0.017% | 1,006 |
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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