🛡️
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 Company Lenders in Cleveland
Updated February 5, 2026
Market Overview
39
Total Lenders
15,509
Total Loans
0.51%
Median Rate Spread
| Rank | Lender | Overall | Pricing | Pull Through | Place | Avg Fees | Spread | Volume | Action |
|---|---|---|---|---|---|---|---|---|---|
1 | UNITED WHOLESALE MORTGAGE, LLC | Strong | Sound | Exceptional | Exceptional | $2,452 | +0.354% | 1,043 | |
2 | RUOFF MORTGAGE COMPANY, INC. | Strong | Sound | Strong | Exceptional | $2,246 | +0.361% | 469 | |
3 | FIRST EQUITY MORTGAGE INCORPORATED | Strong | Strong | Sound | Strong | $1,071 | +0.010% | 122 | |
4 | ROCKET MORTGAGE, LLC | Strong | Acceptable | Exceptional | Exceptional | $3,533 | +0.456% | 2,273 | |
5 | UNION HOME MORTGAGE CORP. | Strong | Acceptable | Exceptional | Exceptional | $3,404 | +0.694% | 528 | |
6 | GUARANTEED RATE, INC. | Strong | Sound | Strong | Strong | $2,187 | +0.264% | 349 | |
7 | FREEDOM MORTGAGE CORPORATION | Strong | Sound | Strong | Strong | $1,470 | +0.587% | 210 | |
8 | LOANDEPOT.COM, LLC | Strong | Sound | Strong | Strong | $2,745 | +0.505% | 156 | |
9 | PENNYMAC LOAN SERVICES, LLC | Strong | Sound | Strong | Strong | $1,742 | +0.106% | 135 | |
10 | CROSSCOUNTRY MORTGAGE, LLC | Strong | Acceptable | Strong | Exceptional | $3,101 | +0.669% | 2,944 | |
11 | HOWARD HANNA FINANCIAL SERVICES, INC. | Strong | Acceptable | Strong | Exceptional | $2,264 | +0.295% | 828 | |
12 | Synergy One Lending, Inc. | Strong | Acceptable | Strong | Exceptional | $3,520 | +0.540% | 472 | |
13 | UNION CAPITAL MORTGAGE CORPORATION | Strong | Acceptable | Strong | Exceptional | $2,839 | +0.254% | 246 | |
14 | FAIRWAY INDEPENDENT MORTGAGE CORPORATION | Strong | Acceptable | Exceptional | Strong | $2,814 | +0.322% | 230 | |
15 | MUTUAL OF OMAHA MORTGAGE, INC. | Strong | Sound | Sound | Strong | $2,613 | +0.437% | 193 | |
16 | Nations Lending Corporation | Strong | Acceptable | Exceptional | Strong | $3,165 | +0.417% | 189 | |
17 | NFM, INC. | Strong | Acceptable | Exceptional | Strong | $3,530 | +0.741% | 141 | |
18 | GUILD MORTGAGE COMPANY LLC | Strong | Acceptable | Exceptional | Strong | $2,555 | +0.424% | 128 | |
19 | Mortgage Research Center, LLC | Strong | Acceptable | Strong | Strong | $1,425 | +0.628% | 433 | |
20 | NORTHERN MORTGAGE SERVICES, LLC | Strong | Acceptable | Strong | Strong | $2,011 | +0.566% | 194 | |
21 | NATIONSTAR MORTGAGE LLC | Strong | Acceptable | Strong | Strong | $3,777 | +0.611% | 131 | |
22 | LOWER, LLC | Strong | Acceptable | Strong | Strong | $3,472 | +0.613% | 86 | |
23 | MOVEMENT MORTGAGE, LLC | Strong | Acceptable | Exceptional | Sound | $3,070 | +0.595% | 85 | |
24 | GOLD STAR MORTGAGE FINANCIAL GROUP, CORPORATION | Strong | Acceptable | Strong | Strong | $3,447 | +0.998% | 67 | |
25 | YOUR HOME FINANCIAL LLC | Sound | Acceptable | Sound | Strong | $3,077 | +0.443% | 158 | |
26 | AMERICAN PACIFIC MORTGAGE CORPORATION | Sound | Mediocre | Exceptional | Strong | $3,880 | +0.811% | 131 | |
27 | NEW AMERICAN FUNDING, LLC | Sound | Acceptable | Sound | Strong | $2,750 | +0.787% | 118 | |
28 | NEWREZ LLC | Sound | Acceptable | Sound | Strong | $2,758 | +0.603% | 113 | |
29 | ZILLOW HOME LOANS, LLC | Sound | Acceptable | Strong | Sound | $2,367 | +0.721% | 59 | |
30 | LIBERTY HOME MORTGAGE CORPORATION | Sound | Mediocre | Sound | Exceptional | $3,268 | +0.813% | 304 | |
31 | ROYAL UNITED MORTGAGE LLC | Sound | Mediocre | Strong | Strong | $4,127 | +1.187% | 75 | |
32 | CARRINGTON MORTGAGE SERVICES, LLC | Sound | Acceptable | Sound | Sound | $3,283 | +0.662% | 51 | |
33 | PRIMARY RESIDENTIAL MORTGAGE, INC. | Sound | Mediocre | Strong | Sound | $2,810 | +0.732% | 70 | |
34 | POLARIS HOME FUNDING CORP. | Sound | Mediocre | Strong | Sound | $4,329 | +0.720% | 49 | |
35 | Click n' Close, Inc. | Sound | Mediocre | Sound | Sound | $6,089 | +1.650% | 66 | |
36 | Farm Credit Mid-America, ACA | Sound | Mediocre | Sound | Sound | $4,933 | +0.603% | 58 | |
37 | NEW DAY FINANCIAL, LLC | Sound | Mediocre | Acceptable | Sound | $4,265 | +1.413% | 57 |
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.
Ready to find your perfect lender?
Get personalized recommendations based on your specific needs
Cleveland, OH
No credit impact
3-minute process
100% free