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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 USDA Mortgage Company Lenders in Ohio
Updated February 6, 2026
Market Overview
30
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 | UNITED WHOLESALE MORTGAGE, LLC | Exceptional | Strong | Exceptional | Strong | Exceptional | $2,404 | +0.296% | 5,780 | |
2 | RUOFF MORTGAGE COMPANY, INC. | Exceptional | Strong | Exceptional | Strong | Exceptional | $2,213 | +0.372% | 1,958 | |
3 | NEWREZ LLC | Exceptional | Strong | Exceptional | Strong | Exceptional | $1,861 | +0.535% | 1,398 | |
4 | ARK-LA-TEX FINANCIAL SERVICES, LLC. | Exceptional | Strong | Exceptional | Strong | Strong | $1,154 | +0.448% | 298 | |
5 | FIRST COMMUNITY MORTGAGE, INC. | Exceptional | Sound | Exceptional | Exceptional | Strong | $3,000 | +0.461% | 999 | |
6 | EQUITY RESOURCES, INC. | Exceptional | Sound | Exceptional | Strong | Exceptional | $1,605 | +0.389% | 728 | |
7 | Paramount Residential Mortgage Group, Inc. | Strong | Sound | Exceptional | Strong | Strong | $3,777 | +0.642% | 455 | |
8 | GUARANTEED RATE, INC. | Strong | Acceptable | Exceptional | Strong | Exceptional | $2,386 | +0.294% | 2,530 | |
9 | LOWER, LLC | Strong | Acceptable | Exceptional | Strong | Exceptional | $2,803 | +0.616% | 1,789 | |
10 | Mortgage Research Center, LLC | Strong | Acceptable | Exceptional | Sound | Exceptional | $1,522 | +0.698% | 2,573 | |
11 | LOANDEPOT.COM, LLC | Strong | Acceptable | Exceptional | Sound | Exceptional | $2,299 | +0.566% | 1,927 | |
12 | PRIMELENDING, A PLAINSCAPITAL COMPANY | Strong | Acceptable | Exceptional | Strong | Strong | $2,635 | +0.591% | 1,028 | |
13 | T2 FINANCIAL LLC | Strong | Acceptable | Exceptional | Strong | Strong | $3,186 | +0.547% | 552 | |
14 | Nations Lending Corporation | Strong | Acceptable | Exceptional | Strong | Strong | $3,137 | +0.514% | 512 | |
15 | CROSSCOUNTRY MORTGAGE, LLC | Strong | Mediocre | Exceptional | Strong | Exceptional | $3,360 | +0.722% | 8,629 | |
16 | UNION HOME MORTGAGE CORP. | Strong | Mediocre | Exceptional | Strong | Exceptional | $3,254 | +0.761% | 3,651 | |
17 | NFM, INC. | Strong | Acceptable | Strong | Sound | Exceptional | $3,704 | +0.644% | 2,434 | |
18 | FAIRWAY INDEPENDENT MORTGAGE CORPORATION | Strong | Mediocre | Exceptional | Strong | Exceptional | $3,004 | +0.585% | 2,217 | |
19 | HOWARD HANNA FINANCIAL SERVICES, INC. | Strong | Acceptable | Strong | Sound | Exceptional | $2,332 | +0.349% | 1,621 | |
20 | POLARIS HOME FUNDING CORP. | Strong | Mediocre | Exceptional | Strong | Exceptional | $3,591 | +0.761% | 670 | |
21 | BAYSHORE MORTGAGE FUNDING, LLC | Strong | Acceptable | Exceptional | Sound | Strong | $2,921 | +0.588% | 293 | |
22 | DAS Acquisition Company, LLC | Strong | Mediocre | Exceptional | Strong | Strong | $3,790 | +0.697% | 855 | |
23 | Synergy One Lending, Inc. | Strong | Acceptable | Sound | Sound | Exceptional | $3,266 | +0.544% | 850 | |
24 | MOVEMENT MORTGAGE, LLC | Strong | Mediocre | Exceptional | Strong | Strong | $2,835 | +0.529% | 389 | |
25 | NATIONS RELIABLE LENDING, LLC | Strong | Mediocre | Exceptional | Strong | Strong | $3,146 | +0.621% | 284 | |
26 | LIBERTY HOME MORTGAGE CORPORATION | Sound | Mediocre | Strong | Sound | Exceptional | $3,253 | +0.866% | 652 | |
27 | RAPID MORTGAGE COMPANY | Sound | Mediocre | Strong | Sound | Exceptional | $3,835 | +0.680% | 625 | |
28 | Click n' Close, Inc. | Sound | Mediocre | Exceptional | Sound | Strong | $5,349 | +1.651% | 534 | |
29 | GO MORTGAGE, LLC | Sound | Mediocre | Sound | Acceptable | Strong | $2,781 | +0.570% | 454 |
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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