Safe Rate Rankings

Best Mortgage Lenders in Akron

Updated February 5, 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.

Market

Total Lenders87

Total Loans7,638

Median Rate Spread0.40%

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Rank	Lender	Overall	Pricing	Pull Through	Place	Avg Fees	Rate Spread	# of Loans
1	The Huntington National BankBank	Exceptional	Strong	Strong	Exceptional	$450Fees	0.501%Above	687
2	Third Federal Savings and Loan Association of ClevelandBank	Exceptional	Strong	Strong	Exceptional	$778Fees	0.160%Above	202
3	UNITED WHOLESALE MORTGAGE, LLCIndependent Mortgage Company	Strong	Sound	Exceptional	Exceptional	$2,447Fees	0.279%Above	259
4	Fifth Third Bank, National AssociationBank	Strong	Strong	Strong	Strong	$741Fees	0.424%Above	159
5	Citizens Bank, National AssociationBank	Strong	Strong	Strong	Strong	$1,554Fees	0.101%Above	104
6	First Federal Savings and Loan Association of LakewoodBank	Strong	Strong	Strong	Strong	$1,059Fees	0.199%Above	93
7	First Commonwealth BankBank	Strong	Strong	Strong	Strong	$1,288Fees	0.134%Above	92
8	KeyBank National AssociationBank	Strong	Strong	Strong	Strong	$1,729Fees	0.019%Above	75
9	PNC Bank, National AssociationBank	Strong	Strong	Strong	Strong	$51Fees	0.192%Above	69
10	U.S. Bank National AssociationBank	Strong	Strong	Strong	Strong	$801Fees	0.536%Above	64
11	Seven Seventeen Credit UnionCredit Union	Strong	Strong	Strong	Strong	$1,664Fees	0.063%Above	49
12	NAVY FEDERAL CREDIT UNIONCredit Union	Strong	Exceptional	Sound	Sound	$977Fees	0.410%Below	45
13	RUOFF MORTGAGE COMPANY, INC.Independent Mortgage Company	Strong	Sound	Strong	Exceptional	$2,189Fees	0.392%Above	239
14	Independent BankBank	Strong	Strong	Strong	Sound	$882Fees	0.079%Above	23
15	Civista BankBank	Strong	Strong	Strong	Sound	$922Fees	0.012%Above	22
16	ROCKET MORTGAGE, LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Exceptional	$3,596Fees	0.482%Above	763
17	FAIRWAY INDEPENDENT MORTGAGE CORPORATIONIndependent Mortgage Company	Strong	Acceptable	Exceptional	Exceptional	$2,573Fees	0.412%Above	358
18	JPMorgan Chase Bank, National AssociationBank	Strong	Sound	Strong	Strong	$2,082Fees	0.310%Above	200
19	GUARANTEED RATE, INC.Independent Mortgage Company	Strong	Sound	Strong	Strong	$2,444Fees	0.277%Above	126
20	Premier BankBank	Strong	Sound	Strong	Strong	$1,518Fees	0.287%Above	57
21	WEST PENN FINANCIAL SERVICE CENTER, INC.Independent Mortgage Company	Strong	Sound	Strong	Strong	$2,300Fees	0.418%Above	42
22	First Financial BankBank	Strong	Sound	Strong	Strong	$1,576Fees	0.361%Above	41
23	Wells Fargo Bank, National AssociationBank	Strong	Strong	Sound	Sound	$2,012Fees	0.028%Above	23
24	CROSSCOUNTRY MORTGAGE, LLCIndependent Mortgage Company	Strong	Acceptable	Strong	Exceptional	$3,564Fees	0.710%Above	987
25	HOWARD HANNA FINANCIAL SERVICES, INC.Independent Mortgage Company	Strong	Acceptable	Strong	Exceptional	$2,390Fees	0.304%Above	267
26	UNION HOME MORTGAGE CORP.Independent Mortgage Company	Strong	Acceptable	Exceptional	Strong	$3,830Fees	0.835%Above	173
27	Synergy One Lending, Inc.Independent Mortgage Company	Strong	Acceptable	Strong	Exceptional	$3,095Fees	0.554%Above	172
28	Nations Lending CorporationIndependent Mortgage Company	Strong	Acceptable	Exceptional	Strong	$3,066Fees	0.429%Above	91
29	FREEDOM MORTGAGE CORPORATIONIndependent Mortgage Company	Strong	Sound	Strong	Sound	$2,177Fees	0.278%Above	50
30	First National Bank of PennsylvaniaBank	Strong	Sound	Strong	Sound	$1,123Fees	0.082%Above	46
31	PENNYMAC LOAN SERVICES, LLCIndependent Mortgage Company	Strong	Sound	Strong	Sound	$1,160Fees	0.012%Above	44
32	LOANDEPOT.COM, LLCIndependent Mortgage Company	Strong	Sound	Strong	Sound	$2,916Fees	0.685%Above	41
33	The Farmers National Bank of CanfieldBank	Strong	Sound	Strong	Sound	$1,082Fees	0.223%Above	28
34	Union Savings BankBank	Strong	Sound	Strong	Sound	$976Fees	0.082%Above	22
35	Dollar Bank, Federal Savings BankBank	Strong	Sound	Strong	Sound	$588Fees	0.282%Above	22
36	Mortgage Research Center, LLCIndependent Mortgage Company	Strong	Acceptable	Strong	Strong	$708Credit	0.514%Above	145
37	UNION CAPITAL MORTGAGE CORPORATIONIndependent Mortgage Company	Strong	Acceptable	Strong	Strong	$2,315Fees	0.430%Above	67
38	NFM, INC.Independent Mortgage Company	Strong	Acceptable	Exceptional	Sound	$3,404Fees	0.739%Above	47
39	MUTUAL OF OMAHA MORTGAGE, INC.Independent Mortgage Company	Strong	Sound	Sound	Sound	$2,446Fees	0.493%Above	43
40	GUILD MORTGAGE COMPANY LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Sound	$2,923Fees	0.690%Above	36
41	GoodLeap, LLCIndependent Mortgage Company	Strong	Sound	Sound	Sound	$3,931Fees	0.414%Above	25
42	PRIMELENDING, A PLAINSCAPITAL COMPANYIndependent Mortgage Company	Strong	Acceptable	Exceptional	Sound	$2,911Fees	0.681%Above	22
43	NATIONSTAR MORTGAGE LLCIndependent Mortgage Company	Sound	Acceptable	Strong	Sound	$3,251Fees	0.579%Above	50
44	Flagstar Bank, N.A.Bank	Sound	Acceptable	Strong	Sound	$2,333Fees	0.699%Above	45
45	ZILLOW HOME LOANS, LLCIndependent Mortgage Company	Sound	Acceptable	Strong	Sound	$2,328Fees	0.892%Above	26
46	GOLD STAR MORTGAGE FINANCIAL GROUP, CORPORATIONIndependent Mortgage Company	Sound	Acceptable	Strong	Sound	$4,131Fees	0.915%Above	24
47	LOWER, LLCIndependent Mortgage Company	Sound	Acceptable	Strong	Sound	$1,797Fees	0.409%Above	22
48	NEWREZ LLCIndependent Mortgage Company	Sound	Acceptable	Sound	Sound	$2,301Fees	0.632%Above	49
49	NEW AMERICAN FUNDING, LLCIndependent Mortgage Company	Sound	Acceptable	Sound	Sound	$3,229Fees	0.808%Above	38

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)

Pricing

Rate and fee competitiveness (33%)

Pull Through

Reliability in closing loans (33%)

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.