Safe Rate Rankings

Best Conventional Mortgage Bank Lenders in Cleveland

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 Lenders21

Total Loans23,730

Median Rate Spread0.39%

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Rank	Lender	Overall	Pricing	Product	Pull Through	Place	Avg Fees	Rate Spread	# of Loans
1	The Huntington National BankBank	Exceptional	Strong	Exceptional	Strong	Exceptional	$564Fees	0.433%Above	1,731
2	Third Federal Savings and Loan Association of ClevelandBank	Exceptional	Strong	Exceptional	Strong	Exceptional	$913Fees	0.117%Above	1,076
3	Fifth Third Bank, National AssociationBank	Exceptional	Strong	Exceptional	Sound	Exceptional	$641Fees	0.342%Above	683
4	First Federal Savings and Loan Association of LakewoodBank	Exceptional	Strong	Strong	Strong	Exceptional	$953Fees	0.255%Above	588
5	First National Bank of PennsylvaniaBank	Exceptional	Strong	Exceptional	Strong	Strong	$1,094Fees	0.122%Above	314
6	KeyBank National AssociationBank	Exceptional	Strong	Exceptional	Strong	Strong	$1,246Fees	0.186%Above	313
7	PNC Bank, National AssociationBank	Exceptional	Strong	Exceptional	Strong	Strong	$524Credit	0.193%Above	286
8	U.S. Bank National AssociationBank	Exceptional	Strong	Exceptional	Strong	Strong	$1,024Fees	0.402%Above	233
9	Bank of America, National AssociationBank	Exceptional	Strong	Exceptional	Strong	Strong	$741Fees	0.517%Below	97
10	JPMorgan Chase Bank, National AssociationBank	Exceptional	Sound	Exceptional	Strong	Exceptional	$2,020Fees	0.178%Above	597
11	Citizens Bank, National AssociationBank	Exceptional	Strong	Exceptional	Sound	Strong	$598Credit	0.167%Above	382
12	Civista BankBank	Exceptional	Strong	Strong	Strong	Strong	$996Fees	0.132%Above	78
13	First Federal Savings and Loan Association of LorainBank	Exceptional	Exceptional	Sound	Sound	Strong	$1,120Fees	0.004%Above	52
14	Dollar Bank, Federal Savings BankBank	Strong	Sound	Strong	Strong	Exceptional	$850Fees	0.287%Above	256
15	Union Savings BankBank	Strong	Sound	Exceptional	Strong	Strong	$748Fees	0.255%Above	117
16	Wells Fargo Bank, National AssociationBank	Strong	Strong	Exceptional	Sound	Sound	$2,438Fees	0.261%Above	68
17	First Commonwealth BankBank	Strong	Sound	Exceptional	Strong	Strong	$1,352Fees	0.276%Above	56
18	Premier BankBank	Strong	Sound	Strong	Strong	Strong	$1,348Fees	0.505%Above	138
19	Flagstar Bank, N.A.Bank	Strong	Acceptable	Exceptional	Strong	Strong	$2,157Fees	0.599%Above	124
20	USAA Federal Savings BankBank	Strong	Sound	Strong	Acceptable	Strong	$1,441Fees	0.102%Below	78
21	Ixonia BankBank	Strong	Mediocre	Exceptional	Strong	Strong	$3,362Fees	0.809%Above	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)

Pricing

Rate and fee competitiveness (25%)

Pull Through

Reliability in closing loans (25%)

Product

Specialization in the loan type (25%)

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.