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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 Mortgage Lenders in Cleveland
Updated February 5, 2026
Market Overview
152
Total Lenders
23,730
Total Loans
0.39%
Median Rate Spread
| Rank | Lender | Overall | Pricing | Pull Through | Place | Avg Fees | Spread | Volume | Action |
|---|---|---|---|---|---|---|---|---|---|
1 | The Huntington National Bank | Exceptional | Strong | Strong | Exceptional | $564 | +0.433% | 1,731 | |
2 | Third Federal Savings and Loan Association of Cleveland | Exceptional | Strong | Strong | Exceptional | $913 | +0.117% | 1,076 | |
3 | Fifth Third Bank, National Association | Exceptional | Strong | Strong | Exceptional | $641 | +0.342% | 683 | |
4 | First Federal Savings and Loan Association of Lakewood | Exceptional | Strong | Strong | Exceptional | $953 | +0.255% | 588 | |
5 | NAVY FEDERAL CREDIT UNION | Exceptional | Exceptional | Sound | Strong | $571 | -0.297% | 197 | |
6 | UNITED WHOLESALE MORTGAGE, LLC | Strong | Sound | Exceptional | Exceptional | $2,452 | +0.354% | 1,043 | |
7 | Citizens Bank, National Association | Strong | Strong | Strong | Strong | -$598 | +0.167% | 382 | |
8 | KeyBank National Association | Strong | Strong | Strong | Strong | $1,246 | +0.186% | 313 | |
9 | PNC Bank, National Association | Strong | Strong | Strong | Strong | -$524 | +0.193% | 286 | |
10 | U.S. Bank National Association | Strong | Strong | Strong | Strong | $1,024 | +0.402% | 233 | |
11 | Bank of America, National Association | Strong | Strong | Strong | Strong | $741 | -0.517% | 97 | |
12 | Civista Bank | Strong | Strong | Strong | Strong | $996 | +0.132% | 78 | |
13 | First Commonwealth Bank | Strong | Strong | Strong | Strong | $1,352 | +0.276% | 56 | |
14 | CENTURY | Strong | Exceptional | Acceptable | Strong | $0 | -0.953% | 56 | |
15 | First Federal Savings and Loan Association of Lorain | Strong | Exceptional | Acceptable | Strong | $1,120 | +0.004% | 52 | |
16 | JPMorgan Chase Bank, National Association | Strong | Sound | Strong | Exceptional | $2,020 | +0.178% | 597 | |
17 | RUOFF MORTGAGE COMPANY, INC. | Strong | Sound | Strong | Exceptional | $2,246 | +0.361% | 469 | |
18 | Dollar Bank, Federal Savings Bank | Strong | Sound | Strong | Exceptional | $850 | +0.287% | 256 | |
19 | FIRST EQUITY MORTGAGE INCORPORATED | Strong | Strong | Sound | Strong | $1,071 | +0.010% | 122 | |
20 | ROCKET MORTGAGE, LLC | Strong | Acceptable | Exceptional | Exceptional | $3,533 | +0.456% | 2,273 | |
21 | UNION HOME MORTGAGE CORP. | Strong | Acceptable | Exceptional | Exceptional | $3,404 | +0.694% | 528 | |
22 | GUARANTEED RATE, INC. | Strong | Sound | Strong | Strong | $2,187 | +0.264% | 349 | |
23 | First National Bank of Pennsylvania | Strong | Sound | Strong | Strong | $1,094 | +0.122% | 314 | |
24 | FREEDOM MORTGAGE CORPORATION | Strong | Sound | Strong | Strong | $1,470 | +0.587% | 210 | |
25 | LOANDEPOT.COM, LLC | Strong | Sound | Strong | Strong | $2,745 | +0.505% | 156 | |
26 | Premier Bank | Strong | Sound | Strong | Strong | $1,348 | +0.505% | 138 | |
27 | PENNYMAC LOAN SERVICES, LLC | Strong | Sound | Strong | Strong | $1,742 | +0.106% | 135 | |
28 | Union Savings Bank | Strong | Sound | Strong | Strong | $748 | +0.255% | 117 | |
29 | Wells Fargo Bank, National Association | Strong | Strong | Sound | Sound | $2,438 | +0.261% | 68 | |
30 | CROSSCOUNTRY MORTGAGE, LLC | Strong | Acceptable | Strong | Exceptional | $3,101 | +0.669% | 2,944 | |
31 | HOWARD HANNA FINANCIAL SERVICES, INC. | Strong | Acceptable | Strong | Exceptional | $2,264 | +0.295% | 828 | |
32 | Synergy One Lending, Inc. | Strong | Acceptable | Strong | Exceptional | $3,520 | +0.540% | 472 | |
33 | UNION CAPITAL MORTGAGE CORPORATION | Strong | Acceptable | Strong | Exceptional | $2,839 | +0.254% | 246 | |
34 | FAIRWAY INDEPENDENT MORTGAGE CORPORATION | Strong | Acceptable | Exceptional | Strong | $2,814 | +0.322% | 230 | |
35 | MUTUAL OF OMAHA MORTGAGE, INC. | Strong | Sound | Sound | Strong | $2,613 | +0.437% | 193 | |
36 | Nations Lending Corporation | Strong | Acceptable | Exceptional | Strong | $3,165 | +0.417% | 189 | |
37 | NFM, INC. | Strong | Acceptable | Exceptional | Strong | $3,530 | +0.741% | 141 | |
38 | GUILD MORTGAGE COMPANY LLC | Strong | Acceptable | Exceptional | Strong | $2,555 | +0.424% | 128 | |
39 | USAA Federal Savings Bank | Strong | Sound | Sound | Strong | $1,441 | -0.102% | 78 | |
40 | Mortgage Research Center, LLC | Strong | Acceptable | Strong | Strong | $1,425 | +0.628% | 433 | |
41 | NORTHERN MORTGAGE SERVICES, LLC | Strong | Acceptable | Strong | Strong | $2,011 | +0.566% | 194 | |
42 | NATIONSTAR MORTGAGE LLC | Strong | Acceptable | Strong | Strong | $3,777 | +0.611% | 131 | |
43 | Flagstar Bank, N.A. | Strong | Acceptable | Strong | Strong | $2,157 | +0.599% | 124 | |
44 | LOWER, LLC | Strong | Acceptable | Strong | Strong | $3,472 | +0.613% | 86 | |
45 | MOVEMENT MORTGAGE, LLC | Strong | Acceptable | Exceptional | Sound | $3,070 | +0.595% | 85 | |
46 | GOLD STAR MORTGAGE FINANCIAL GROUP, CORPORATION | Strong | Acceptable | Strong | Strong | $3,447 | +0.998% | 67 | |
47 | YOUR HOME FINANCIAL LLC | Sound | Acceptable | Sound | Strong | $3,077 | +0.443% | 158 | |
48 | NEW AMERICAN FUNDING, LLC | Sound | Acceptable | Sound | Strong | $2,750 | +0.787% | 118 | |
49 | NEWREZ LLC | Sound | Acceptable | Sound | Strong | $2,758 | +0.603% | 113 |
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.
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