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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 Conventional Mortgage Bank Lenders in Cleveland
Updated February 5, 2026
Market Overview
21
Total Lenders
23,730
Total Loans
0.39%
Median Rate Spread
| Rank | Lender | Overall | Pricing | Product | Pull Through | Place | Avg Fees | Spread | Volume | Action |
|---|---|---|---|---|---|---|---|---|---|---|
1 | The Huntington National Bank | Exceptional | Strong | Exceptional | Strong | Exceptional | $564 | +0.433% | 1,731 | |
2 | Third Federal Savings and Loan Association of Cleveland | Exceptional | Strong | Exceptional | Strong | Exceptional | $913 | +0.117% | 1,076 | |
3 | Fifth Third Bank, National Association | Exceptional | Strong | Exceptional | Sound | Exceptional | $641 | +0.342% | 683 | |
4 | First Federal Savings and Loan Association of Lakewood | Exceptional | Strong | Strong | Strong | Exceptional | $953 | +0.255% | 588 | |
5 | First National Bank of Pennsylvania | Exceptional | Strong | Exceptional | Strong | Strong | $1,094 | +0.122% | 314 | |
6 | KeyBank National Association | Exceptional | Strong | Exceptional | Strong | Strong | $1,246 | +0.186% | 313 | |
7 | PNC Bank, National Association | Exceptional | Strong | Exceptional | Strong | Strong | -$524 | +0.193% | 286 | |
8 | U.S. Bank National Association | Exceptional | Strong | Exceptional | Strong | Strong | $1,024 | +0.402% | 233 | |
9 | Bank of America, National Association | Exceptional | Strong | Exceptional | Strong | Strong | $741 | -0.517% | 97 | |
10 | JPMorgan Chase Bank, National Association | Exceptional | Sound | Exceptional | Strong | Exceptional | $2,020 | +0.178% | 597 | |
11 | Citizens Bank, National Association | Exceptional | Strong | Exceptional | Sound | Strong | -$598 | +0.167% | 382 | |
12 | Civista Bank | Exceptional | Strong | Strong | Strong | Strong | $996 | +0.132% | 78 | |
13 | First Federal Savings and Loan Association of Lorain | Exceptional | Exceptional | Sound | Sound | Strong | $1,120 | +0.004% | 52 | |
14 | Dollar Bank, Federal Savings Bank | Strong | Sound | Strong | Strong | Exceptional | $850 | +0.287% | 256 | |
15 | Union Savings Bank | Strong | Sound | Exceptional | Strong | Strong | $748 | +0.255% | 117 | |
16 | Wells Fargo Bank, National Association | Strong | Strong | Exceptional | Sound | Sound | $2,438 | +0.261% | 68 | |
17 | First Commonwealth Bank | Strong | Sound | Exceptional | Strong | Strong | $1,352 | +0.276% | 56 | |
18 | Premier Bank | Strong | Sound | Strong | Strong | Strong | $1,348 | +0.505% | 138 | |
19 | Flagstar Bank, N.A. | Strong | Acceptable | Exceptional | Strong | Strong | $2,157 | +0.599% | 124 | |
20 | USAA Federal Savings Bank | Strong | Sound | Strong | Acceptable | Strong | $1,441 | -0.102% | 78 | |
21 | Ixonia Bank | Strong | Mediocre | Exceptional | Strong | Strong | $3,362 | +0.809% | 89 |
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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