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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 Cleveland

Updated February 5, 2026

Market Overview

152

Total Lenders

23,730

Total Loans

0.39%

Median Rate Spread

Rank	Lender	Overall	Pricing	Product	Pull Through	Place	Avg Fees	Spread	Volume
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	NAVY FEDERAL CREDIT UNION	Exceptional	Exceptional	Exceptional	Sound	Strong	$571	-0.297%	197
4	Fifth Third Bank, National Association	Exceptional	Strong	Exceptional	Sound	Exceptional	$641	+0.342%	683
5	First Federal Savings and Loan Association of Lakewood	Exceptional	Strong	Strong	Strong	Exceptional	$953	+0.255%	588
6	First National Bank of Pennsylvania	Exceptional	Strong	Exceptional	Strong	Strong	$1,094	+0.122%	314
7	KeyBank National Association	Exceptional	Strong	Exceptional	Strong	Strong	$1,246	+0.186%	313
8	PNC Bank, National Association	Exceptional	Strong	Exceptional	Strong	Strong	-$524	+0.193%	286
9	U.S. Bank National Association	Exceptional	Strong	Exceptional	Strong	Strong	$1,024	+0.402%	233
10	Bank of America, National Association	Exceptional	Strong	Exceptional	Strong	Strong	$741	-0.517%	97
11	JPMorgan Chase Bank, National Association	Exceptional	Sound	Exceptional	Strong	Exceptional	$2,020	+0.178%	597
12	RUOFF MORTGAGE COMPANY, INC.	Exceptional	Sound	Exceptional	Strong	Exceptional	$2,246	+0.361%	469
13	Citizens Bank, National Association	Exceptional	Strong	Exceptional	Sound	Strong	-$598	+0.167%	382
14	Civista Bank	Exceptional	Strong	Strong	Strong	Strong	$996	+0.132%	78
15	First Federal Savings and Loan Association of Lorain	Exceptional	Exceptional	Sound	Sound	Strong	$1,120	+0.004%	52
16	ROCKET MORTGAGE, LLC	Strong	Acceptable	Exceptional	Exceptional	Exceptional	$3,533	+0.456%	2,273
17	UNITED WHOLESALE MORTGAGE, LLC	Strong	Acceptable	Exceptional	Exceptional	Exceptional	$2,452	+0.354%	1,043
18	Dollar Bank, Federal Savings Bank	Strong	Sound	Strong	Strong	Exceptional	$850	+0.287%	256
19	MUTUAL OF OMAHA MORTGAGE, INC.	Strong	Strong	Strong	Sound	Strong	$2,613	+0.437%	193
20	LOANDEPOT.COM, LLC	Strong	Sound	Exceptional	Strong	Strong	$2,745	+0.505%	156
21	FIRST EQUITY MORTGAGE INCORPORATED	Strong	Strong	Strong	Sound	Strong	$1,071	+0.010%	122
22	Union Savings Bank	Strong	Sound	Exceptional	Strong	Strong	$748	+0.255%	117
23	Wells Fargo Bank, National Association	Strong	Strong	Exceptional	Sound	Sound	$2,438	+0.261%	68
24	First Commonwealth Bank	Strong	Sound	Exceptional	Strong	Strong	$1,352	+0.276%	56
25	CROSSCOUNTRY MORTGAGE, LLC	Strong	Acceptable	Exceptional	Strong	Exceptional	$3,101	+0.669%	2,944
26	HOWARD HANNA FINANCIAL SERVICES, INC.	Strong	Acceptable	Exceptional	Strong	Exceptional	$2,264	+0.295%	828
27	UNION HOME MORTGAGE CORP.	Strong	Acceptable	Exceptional	Strong	Exceptional	$3,404	+0.694%	528
28	Nations Lending Corporation	Strong	Acceptable	Exceptional	Exceptional	Strong	$3,165	+0.417%	189
29	Premier Bank	Strong	Sound	Strong	Strong	Strong	$1,348	+0.505%	138
30	PENNYMAC LOAN SERVICES, LLC	Strong	Sound	Exceptional	Sound	Strong	$1,742	+0.106%	135
31	Synergy One Lending, Inc.	Strong	Acceptable	Strong	Strong	Exceptional	$3,520	+0.540%	472
32	GUARANTEED RATE, INC.	Strong	Acceptable	Exceptional	Strong	Strong	$2,187	+0.264%	349
33	UNION CAPITAL MORTGAGE CORPORATION	Strong	Acceptable	Strong	Strong	Exceptional	$2,839	+0.254%	246
34	FAIRWAY INDEPENDENT MORTGAGE CORPORATION	Strong	Acceptable	Exceptional	Strong	Strong	$2,814	+0.322%	230
35	FREEDOM MORTGAGE CORPORATION	Strong	Sound	Strong	Sound	Strong	$1,470	+0.587%	210
36	NATIONSTAR MORTGAGE LLC	Strong	Acceptable	Exceptional	Strong	Strong	$3,777	+0.611%	131
37	GUILD MORTGAGE COMPANY LLC	Strong	Acceptable	Exceptional	Strong	Strong	$2,555	+0.424%	128
38	Flagstar Bank, N.A.	Strong	Acceptable	Exceptional	Strong	Strong	$2,157	+0.599%	124
39	LOWER, LLC	Strong	Acceptable	Exceptional	Strong	Strong	$3,472	+0.613%	86
40	GOLD STAR MORTGAGE FINANCIAL GROUP, CORPORATION	Strong	Acceptable	Exceptional	Strong	Strong	$3,447	+0.998%	67
41	NORTHERN MORTGAGE SERVICES, LLC	Strong	Acceptable	Strong	Strong	Strong	$2,011	+0.566%	194
42	NEW AMERICAN FUNDING, LLC	Strong	Acceptable	Exceptional	Sound	Strong	$2,750	+0.787%	118
43	NEWREZ LLC	Strong	Acceptable	Exceptional	Sound	Strong	$2,758	+0.603%	113
44	MOVEMENT MORTGAGE, LLC	Strong	Acceptable	Exceptional	Strong	Sound	$3,070	+0.595%	85
45	USAA Federal Savings Bank	Strong	Sound	Strong	Acceptable	Strong	$1,441	-0.102%	78
46	PRIMARY RESIDENTIAL MORTGAGE, INC.	Strong	Acceptable	Exceptional	Strong	Sound	$2,810	+0.732%	70
47	Mortgage Research Center, LLC	Strong	Acceptable	Strong	Sound	Strong	$1,425	+0.628%	433
48	NFM, INC.	Strong	Mediocre	Exceptional	Strong	Strong	$3,530	+0.741%	141
49	AMERICAN PACIFIC MORTGAGE CORPORATION	Strong	Mediocre	Exceptional	Strong	Strong	$3,880	+0.811%	131

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.

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