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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 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 | Union Savings Bank | Exceptional | Exceptional | Strong | Strong | Exceptional | $984 | +0.172% | 3,119 | |
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 | KeyBank National Association | Exceptional | Exceptional | Strong | Sound | Exceptional | $1,252 | +0.185% | 997 | |
5 | First National Bank of Pennsylvania | Exceptional | Exceptional | Strong | Strong | Strong | $1,126 | +0.134% | 543 | |
6 | UNITED WHOLESALE MORTGAGE, LLC | Exceptional | Sound | Exceptional | Exceptional | Exceptional | $2,404 | +0.296% | 5,780 | |
7 | Fifth Third Bank, National Association | Exceptional | Strong | Exceptional | Sound | Exceptional | $610 | +0.329% | 3,118 | |
8 | U.S. Bank National Association | Exceptional | Strong | Exceptional | Sound | Exceptional | $1,057 | +0.311% | 1,603 | |
9 | FREEDOM MORTGAGE CORPORATION | Exceptional | Strong | Exceptional | Strong | Strong | $2,246 | +0.465% | 1,071 | |
10 | First Federal Savings and Loan Association of Lakewood | Exceptional | Exceptional | Sound | Sound | Exceptional | $966 | +0.241% | 836 | |
11 | Civista Bank | Exceptional | Exceptional | Sound | Sound | Exceptional | $917 | +0.163% | 671 | |
12 | LCNB National Bank | Exceptional | Exceptional | Sound | Sound | Exceptional | $786 | +0.088% | 526 | |
13 | Guardian Savings Bank | Exceptional | Exceptional | Strong | Sound | Strong | $1,124 | +0.172% | 405 | |
14 | ARK-LA-TEX FINANCIAL SERVICES, LLC. | Exceptional | Strong | Exceptional | Strong | Strong | $1,154 | +0.448% | 298 | |
15 | WRIGHT-PATT CREDIT UNION, INC. | Exceptional | Strong | Strong | Sound | Exceptional | $404 | -0.385% | 2,094 | |
16 | LOANDEPOT.COM, LLC | Exceptional | Sound | Exceptional | Strong | Exceptional | $2,299 | +0.566% | 1,927 | |
17 | PNC Bank, National Association | Exceptional | Strong | Strong | Sound | Exceptional | -$136 | +0.211% | 1,198 | |
18 | M/I FINANCIAL, LLC | Exceptional | Sound | Exceptional | Strong | Exceptional | $3,018 | +0.017% | 1,006 | |
19 | PENNYMAC LOAN SERVICES, LLC | Exceptional | Strong | Exceptional | Sound | Strong | $1,553 | +0.064% | 845 | |
20 | THE EQUITABLE MORTGAGE CORPORATION | Exceptional | Strong | Strong | Sound | Exceptional | $1,601 | +0.139% | 570 | |
21 | The State Bank and Trust Company | Exceptional | Strong | Sound | Strong | Exceptional | $1,292 | +0.061% | 563 | |
22 | WesBanco Bank, Inc. | Exceptional | Strong | Strong | Strong | Strong | $1,462 | +0.199% | 414 | |
23 | First Commonwealth Bank | Exceptional | Strong | Strong | Strong | Strong | $1,007 | +0.192% | 414 | |
24 | GoodLeap, LLC | Exceptional | Strong | Exceptional | Sound | Strong | $3,352 | +0.074% | 376 | |
25 | The Union Bank Company | Exceptional | Exceptional | Sound | Sound | Strong | $1,024 | +0.221% | 274 | |
26 | ROCKET MORTGAGE, LLC | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $3,563 | +0.479% | 11,005 | |
27 | UNION HOME MORTGAGE CORP. | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $3,254 | +0.761% | 3,651 | |
28 | NFM, INC. | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $3,704 | +0.644% | 2,434 | |
29 | FAIRWAY INDEPENDENT MORTGAGE CORPORATION | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $3,004 | +0.585% | 2,217 | |
30 | HOWARD HANNA FINANCIAL SERVICES, INC. | Strong | Sound | Strong | Strong | Exceptional | $2,332 | +0.349% | 1,621 | |
31 | NEWREZ LLC | Strong | Sound | Exceptional | Sound | Exceptional | $1,861 | +0.535% | 1,398 | |
32 | Premier Bank | Strong | Strong | Sound | Sound | Exceptional | $1,066 | +0.405% | 1,037 | |
33 | Citizens Bank, National Association | Strong | Strong | Strong | Sound | Strong | $248 | +0.195% | 766 | |
34 | Flagstar Bank, N.A. | Strong | Sound | Exceptional | Strong | Strong | $2,341 | +0.583% | 642 | |
35 | Dollar Bank, Federal Savings Bank | Strong | Strong | Strong | Sound | Strong | $903 | +0.287% | 313 | |
36 | RMC HOME MORTGAGE, LLC | Strong | Sound | Exceptional | Strong | Strong | $4,248 | +0.232% | 311 | |
37 | JPMorgan Chase Bank, National Association | Strong | Sound | Strong | Sound | Exceptional | $2,018 | +0.228% | 2,884 | |
38 | GUARANTEED RATE, INC. | Strong | Acceptable | Exceptional | Strong | Exceptional | $2,386 | +0.294% | 2,530 | |
39 | RUOFF MORTGAGE COMPANY, INC. | Strong | Acceptable | Exceptional | Strong | Exceptional | $2,213 | +0.372% | 1,958 | |
40 | LOWER, LLC | Strong | Acceptable | Exceptional | Strong | Exceptional | $2,803 | +0.616% | 1,789 | |
41 | PRIMELENDING, A PLAINSCAPITAL COMPANY | Strong | Acceptable | Exceptional | Exceptional | Strong | $2,635 | +0.591% | 1,028 | |
42 | FIRST COMMUNITY MORTGAGE, INC. | Strong | Acceptable | Exceptional | Exceptional | Strong | $3,000 | +0.461% | 999 | |
43 | First Financial Bank | Strong | Sound | Strong | Sound | Exceptional | $1,522 | +0.441% | 914 | |
44 | Synergy One Lending, Inc. | Strong | Acceptable | Exceptional | Strong | Exceptional | $3,266 | +0.544% | 850 | |
45 | T2 FINANCIAL LLC | Strong | Acceptable | Exceptional | Exceptional | Strong | $3,186 | +0.547% | 552 | |
46 | Nations Lending Corporation | Strong | Acceptable | Exceptional | Exceptional | Strong | $3,137 | +0.514% | 512 | |
47 | EQUITY RESOURCES, INC. | Strong | Acceptable | Strong | Strong | Exceptional | $1,605 | +0.389% | 728 | |
48 | GUARANTEED RATE AFFINITY, LLC | Strong | Acceptable | Exceptional | Strong | Strong | $2,261 | +0.397% | 589 | |
49 | UNION CAPITAL MORTGAGE CORPORATION | Strong | Acceptable | Strong | Strong | Exceptional | $2,825 | +0.318% | 469 | |
50 | Paramount Residential Mortgage Group, Inc. | Strong | Acceptable | Exceptional | Strong | Strong | $3,777 | +0.642% | 455 |
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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