Safe Rate Rankings

Best Bank Mortgage Lenders in Sandusky

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.
Total Lenders6
Total Loans467
Median Rate Spread0.33%

Shopping for a mortgage? Click the heart icon to save lenders to My Home and make comparison painless.

RankLenderOverallPricingPull ThroughPlaceAvg FeesRate Spread# of LoansAction
1
Civista BankBank
Exceptional
Strong
Strong
Exceptional
$972Fees
0.278%Above
156
2
The Genoa Banking CompanyBank
Exceptional
Strong
Strong
Exceptional
$1,475Fees
0.099%Above
79
3
The Huntington National BankBank
Strong
Strong
Strong
Strong
$633Fees
0.560%Above
78
4
KeyBank National AssociationBank
Strong
Strong
Strong
Strong
$1,643Fees
0.193%Above
41
5
Fifth Third Bank, National AssociationBank
Strong
Strong
Strong
Strong
$1,444Fees
0.465%Above
36
6
First Federal Savings and Loan Association of LorainBank
Strong
Exceptional
Acceptable
Strong
$1,126Fees
0.207%Above
22

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 30 Points)

10
Pricing
Rate and fee competitiveness (33%)
10
Pull Through
Reliability in closing loans (33%)
10
Place
Local market expertise (33%)

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.