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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 VA 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 | Exceptional | Exceptional | $984 | +0.172% | 3,119 | |
2 | UNITED WHOLESALE MORTGAGE, LLC | Exceptional | Strong | Exceptional | Exceptional | Exceptional | $2,404 | +0.296% | 5,780 | |
3 | Fifth Third Bank, National Association | Exceptional | Exceptional | Strong | Strong | Exceptional | $610 | +0.329% | 3,118 | |
4 | KeyBank National Association | Exceptional | Exceptional | Strong | Strong | Exceptional | $1,252 | +0.185% | 997 | |
5 | The Huntington National Bank | Exceptional | Strong | Exceptional | Strong | Exceptional | $299 | +0.429% | 8,206 | |
6 | GUARANTEED RATE, INC. | Exceptional | Strong | Exceptional | Strong | Exceptional | $2,386 | +0.294% | 2,530 | |
7 | U.S. Bank National Association | Exceptional | Strong | Exceptional | Strong | Exceptional | $1,057 | +0.311% | 1,603 | |
8 | NAVY FEDERAL CREDIT UNION | Exceptional | Exceptional | Exceptional | Sound | Strong | $554 | -0.414% | 828 | |
9 | LCNB National Bank | Exceptional | Exceptional | Sound | Strong | Exceptional | $786 | +0.088% | 526 | |
10 | JPMorgan Chase Bank, National Association | Exceptional | Strong | Exceptional | Sound | Exceptional | $2,018 | +0.228% | 2,884 | |
11 | FREEDOM MORTGAGE CORPORATION | Exceptional | Strong | Exceptional | Strong | Strong | $2,246 | +0.465% | 1,071 | |
12 | VICTORY MORTGAGE, L.L.C. | Exceptional | Strong | Strong | Strong | Exceptional | $561 | -0.144% | 1,026 | |
13 | M/I FINANCIAL, LLC | Exceptional | Sound | Exceptional | Exceptional | Exceptional | $3,018 | +0.017% | 1,006 | |
14 | PENNYMAC LOAN SERVICES, LLC | Exceptional | Strong | Exceptional | Strong | Strong | $1,553 | +0.064% | 845 | |
15 | GUARANTEED RATE AFFINITY, LLC | Exceptional | Strong | Exceptional | Strong | Strong | $2,261 | +0.397% | 589 | |
16 | THE EQUITABLE MORTGAGE CORPORATION | Exceptional | Strong | Strong | Strong | Exceptional | $1,601 | +0.139% | 570 | |
17 | LOANDEPOT.COM, LLC | Exceptional | Sound | Exceptional | Strong | Exceptional | $2,299 | +0.566% | 1,927 | |
18 | NEWREZ LLC | Exceptional | Sound | Exceptional | Strong | Exceptional | $1,861 | +0.535% | 1,398 | |
19 | PRIMELENDING, A PLAINSCAPITAL COMPANY | Exceptional | Sound | Exceptional | Exceptional | Strong | $2,635 | +0.591% | 1,028 | |
20 | First Federal Savings and Loan Association of Lakewood | Exceptional | Strong | — | Strong | Exceptional | $966 | +0.241% | 836 | |
21 | Civista Bank | Exceptional | Strong | — | Strong | Exceptional | $917 | +0.163% | 671 | |
22 | First National Bank of Pennsylvania | Exceptional | Strong | Strong | Strong | Strong | $1,126 | +0.134% | 543 | |
23 | USAA Federal Savings Bank | Exceptional | Strong | Exceptional | Sound | Strong | $1,562 | -0.103% | 426 | |
24 | MOVEMENT MORTGAGE, LLC | Exceptional | Sound | Exceptional | Exceptional | Strong | $2,835 | +0.529% | 389 | |
25 | CMG MORTGAGE, INC. | Exceptional | Sound | Exceptional | Exceptional | Strong | $2,004 | +0.447% | 320 | |
26 | ARK-LA-TEX FINANCIAL SERVICES, LLC. | Exceptional | Sound | Exceptional | Exceptional | Strong | $1,154 | +0.448% | 298 | |
27 | ROCKET MORTGAGE, LLC | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $3,563 | +0.479% | 11,005 | |
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 | Citizens Bank, National Association | Strong | Strong | Strong | Sound | Strong | $248 | +0.195% | 766 | |
32 | EQUITY RESOURCES, INC. | Strong | Sound | Strong | Strong | Exceptional | $1,605 | +0.389% | 728 | |
33 | Flagstar Bank, N.A. | Strong | Sound | Exceptional | Strong | Strong | $2,341 | +0.583% | 642 | |
34 | MUTUAL OF OMAHA MORTGAGE, INC. | Strong | Sound | Exceptional | Strong | Strong | $2,287 | +0.406% | 626 | |
35 | Paramount Residential Mortgage Group, Inc. | Strong | Sound | Exceptional | Strong | Strong | $3,777 | +0.642% | 455 | |
36 | WesBanco Bank, Inc. | Strong | Strong | Strong | Sound | Strong | $1,462 | +0.199% | 414 | |
37 | First Commonwealth Bank | Strong | Strong | Sound | Strong | Strong | $1,007 | +0.192% | 414 | |
38 | FIRST EQUITY MORTGAGE INCORPORATED | Strong | Strong | Strong | Sound | Strong | $995 | +0.054% | 284 | |
39 | The Union Bank Company | Strong | Strong | Sound | Strong | Strong | $1,024 | +0.221% | 274 | |
40 | CROSSCOUNTRY MORTGAGE, LLC | Strong | Acceptable | Exceptional | Strong | Exceptional | $3,360 | +0.722% | 8,629 | |
41 | UNION HOME MORTGAGE CORP. | Strong | Acceptable | Exceptional | Strong | Exceptional | $3,254 | +0.761% | 3,651 | |
42 | Mortgage Research Center, LLC | Strong | Acceptable | Exceptional | Strong | Exceptional | $1,522 | +0.698% | 2,573 | |
43 | WRIGHT-PATT CREDIT UNION, INC. | Strong | Sound | Strong | Sound | Exceptional | $404 | -0.385% | 2,094 | |
44 | RUOFF MORTGAGE COMPANY, INC. | Strong | Acceptable | Exceptional | Strong | Exceptional | $2,213 | +0.372% | 1,958 | |
45 | LOWER, LLC | Strong | Acceptable | Exceptional | Strong | Exceptional | $2,803 | +0.616% | 1,789 | |
46 | PNC Bank, National Association | Strong | Sound | Strong | Sound | Exceptional | -$136 | +0.211% | 1,198 | |
47 | FIRST COMMUNITY MORTGAGE, INC. | Strong | Acceptable | Exceptional | Exceptional | Strong | $3,000 | +0.461% | 999 | |
48 | T2 FINANCIAL LLC | Strong | Acceptable | Exceptional | Exceptional | Strong | $3,186 | +0.547% | 552 | |
49 | AMERICAN NEIGHBORHOOD MORTGAGE ACCEPTANCE COMPANY LLC | Strong | Acceptable | Exceptional | Exceptional | Strong | $3,279 | +0.671% | 458 | |
50 | RMC HOME MORTGAGE, LLC | Strong | Sound | Strong | Strong | Strong | $4,248 | +0.232% | 311 |
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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