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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 VA Mortgage Company Lenders in Cleveland

Updated February 5, 2026

Market Overview

Total Lenders

23,730

Total Loans

0.39%

Median Rate Spread

Rank	Lender	Overall	Pricing	Product	Pull Through	Place	Avg Fees	Spread	Volume
1	UNITED WHOLESALE MORTGAGE, LLC	Exceptional	Strong	Exceptional	Exceptional	Exceptional	$2,452	+0.354%	1,043
2	GUARANTEED RATE, INC.	Exceptional	Strong	Exceptional	Strong	Strong	$2,187	+0.264%	349
3	FREEDOM MORTGAGE CORPORATION	Exceptional	Strong	Exceptional	Strong	Strong	$1,470	+0.587%	210
4	PENNYMAC LOAN SERVICES, LLC	Exceptional	Strong	Exceptional	Strong	Strong	$1,742	+0.106%	135
5	ROCKET MORTGAGE, LLC	Strong	Acceptable	Exceptional	Exceptional	Exceptional	$3,533	+0.456%	2,273
6	HOWARD HANNA FINANCIAL SERVICES, INC.	Strong	Sound	Strong	Strong	Exceptional	$2,264	+0.295%	828
7	MUTUAL OF OMAHA MORTGAGE, INC.	Strong	Sound	Exceptional	Strong	Strong	$2,613	+0.437%	193
8	LOANDEPOT.COM, LLC	Strong	Sound	Exceptional	Strong	Strong	$2,745	+0.505%	156
9	FIRST EQUITY MORTGAGE INCORPORATED	Strong	Strong	Strong	Sound	Strong	$1,071	+0.010%	122
10	NEWREZ LLC	Strong	Sound	Exceptional	Strong	Strong	$2,758	+0.603%	113
11	MOVEMENT MORTGAGE, LLC	Strong	Sound	Exceptional	Exceptional	Sound	$3,070	+0.595%	85
12	CROSSCOUNTRY MORTGAGE, LLC	Strong	Acceptable	Exceptional	Strong	Exceptional	$3,101	+0.669%	2,944
13	UNION HOME MORTGAGE CORP.	Strong	Acceptable	Exceptional	Strong	Exceptional	$3,404	+0.694%	528
14	RUOFF MORTGAGE COMPANY, INC.	Strong	Acceptable	Exceptional	Strong	Exceptional	$2,246	+0.361%	469
15	FAIRWAY INDEPENDENT MORTGAGE CORPORATION	Strong	Acceptable	Exceptional	Exceptional	Strong	$2,814	+0.322%	230
16	NFM, INC.	Strong	Acceptable	Exceptional	Exceptional	Strong	$3,530	+0.741%	141
17	Synergy One Lending, Inc.	Strong	Acceptable	Strong	Strong	Exceptional	$3,520	+0.540%	472
18	Mortgage Research Center, LLC	Strong	Acceptable	Exceptional	Strong	Strong	$1,425	+0.628%	433
19	NORTHERN MORTGAGE SERVICES, LLC	Strong	Acceptable	Strong	Exceptional	Strong	$2,011	+0.566%	194
20	NATIONSTAR MORTGAGE LLC	Strong	Acceptable	Exceptional	Strong	Strong	$3,777	+0.611%	131
21	Nations Lending Corporation	Strong	Mediocre	Exceptional	Exceptional	Strong	$3,165	+0.417%	189
22	AMERICAN PACIFIC MORTGAGE CORPORATION	Strong	Mediocre	Exceptional	Strong	Strong	$3,880	+0.811%	131
23	CARRINGTON MORTGAGE SERVICES, LLC	Strong	Acceptable	Exceptional	Sound	Sound	$3,283	+0.662%	51
24	LIBERTY HOME MORTGAGE CORPORATION	Sound	Mediocre	Strong	Sound	Exceptional	$3,268	+0.813%	304
25	YOUR HOME FINANCIAL LLC	Sound	Acceptable	Sound	Sound	Strong	$3,077	+0.443%	158
26	NEW AMERICAN FUNDING, LLC	Sound	Mediocre	Exceptional	Sound	Strong	$2,750	+0.787%	118
27	NEW DAY FINANCIAL, LLC	Sound	Mediocre	Exceptional	Sound	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 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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