🛡️
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 Sandusky
Updated February 6, 2026
Market Overview
24
Total Lenders
1,004
Total Loans
0.42%
Median Rate Spread
| Rank | Lender | Overall | Pricing | Product | Pull Through | Place | Avg Fees | Spread | Volume | Action |
|---|---|---|---|---|---|---|---|---|---|---|
1 | Civista Bank | Exceptional | Strong | Strong | Strong | Exceptional | $972 | +0.278% | 156 | |
2 | The Genoa Banking Company | Exceptional | Strong | Strong | Strong | Exceptional | $1,475 | +0.099% | 79 | |
3 | The Huntington National Bank | Exceptional | Strong | Exceptional | Strong | Strong | $633 | +0.560% | 78 | |
4 | KeyBank National Association | Exceptional | Strong | Exceptional | Strong | Strong | $1,643 | +0.193% | 41 | |
5 | NAVY FEDERAL CREDIT UNION | Exceptional | Exceptional | Exceptional | Sound | Sound | -$467 | -0.172% | 13 | |
6 | Fifth Third Bank, National Association | Exceptional | Strong | Exceptional | Sound | Strong | $1,444 | +0.465% | 36 | |
7 | First Federal Savings and Loan Association of Lorain | Exceptional | Exceptional | Sound | Sound | Strong | $1,126 | +0.207% | 22 | |
8 | FREMONT Federal Credit Union | Exceptional | Exceptional | Sound | Strong | Sound | $634 | +0.186% | 18 | |
9 | U.S. Bank National Association | Exceptional | Strong | Exceptional | Strong | Sound | $875 | +0.555% | 17 | |
10 | ROCKET MORTGAGE, LLC | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $3,835 | +0.471% | 148 | |
11 | LOANDEPOT.COM, LLC | Strong | Sound | Exceptional | Strong | Strong | $2,540 | +0.528% | 41 | |
12 | PNC Bank, National Association | Strong | Strong | Exceptional | Strong | Acceptable | -$241 | +0.247% | 11 | |
13 | UNITED WHOLESALE MORTGAGE, LLC | Strong | Acceptable | Exceptional | Exceptional | Strong | $2,950 | +0.196% | 41 | |
14 | RUOFF MORTGAGE COMPANY, INC. | Strong | Sound | Exceptional | Strong | Sound | $2,201 | +0.235% | 11 | |
15 | UNION HOME MORTGAGE CORP. | Strong | Acceptable | Exceptional | Strong | Strong | $4,402 | +0.832% | 61 | |
16 | CROSSCOUNTRY MORTGAGE, LLC | Strong | Acceptable | Exceptional | Strong | Strong | $3,333 | +0.689% | 59 | |
17 | VACATIONLAND FEDERAL CREDIT UNION | Strong | Strong | Acceptable | Sound | Strong | $675 | +0.340% | 21 | |
18 | Premier Bank | Strong | Sound | Strong | Strong | Sound | $1,147 | +0.508% | 16 | |
19 | JPMorgan Chase Bank, National Association | Strong | Sound | Exceptional | Strong | Acceptable | $3,394 | +0.217% | 11 | |
20 | UNION CAPITAL MORTGAGE CORPORATION | Strong | Acceptable | Strong | Strong | Strong | $3,548 | +0.487% | 26 | |
21 | HOWARD HANNA FINANCIAL SERVICES, INC. | Strong | Acceptable | Exceptional | Strong | Sound | $2,484 | +0.549% | 18 | |
22 | YOUR HOME FINANCIAL LLC | Sound | Acceptable | Sound | Sound | Strong | $2,278 | +0.890% | 41 |
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.
Ready to find your perfect lender?
Get personalized recommendations based on your specific needs
Sandusky, OHConventional
No credit impact
3-minute process
100% free