🛡️
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 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 | Action |
|---|---|---|---|---|---|---|---|---|---|---|
1 | UNITED WHOLESALE MORTGAGE, LLC | Exceptional | Strong | Exceptional | Exceptional | Exceptional | $2,452 | +0.354% | 1,043 | |
2 | Fifth Third Bank, National Association | Exceptional | Exceptional | Strong | Strong | Exceptional | $641 | +0.342% | 683 | |
3 | The Huntington National Bank | Exceptional | Strong | Exceptional | Strong | Exceptional | $564 | +0.433% | 1,731 | |
4 | NAVY FEDERAL CREDIT UNION | Exceptional | Exceptional | Exceptional | Sound | Strong | $571 | -0.297% | 197 | |
5 | JPMorgan Chase Bank, National Association | Exceptional | Strong | Exceptional | Sound | Exceptional | $2,020 | +0.178% | 597 | |
6 | GUARANTEED RATE, INC. | Exceptional | Strong | Exceptional | Strong | Strong | $2,187 | +0.264% | 349 | |
7 | U.S. Bank National Association | Exceptional | Strong | Exceptional | Strong | Strong | $1,024 | +0.402% | 233 | |
8 | FREEDOM MORTGAGE CORPORATION | Exceptional | Strong | Exceptional | Strong | Strong | $1,470 | +0.587% | 210 | |
9 | PENNYMAC LOAN SERVICES, LLC | Exceptional | Strong | Exceptional | Strong | Strong | $1,742 | +0.106% | 135 | |
10 | First National Bank of Pennsylvania | Exceptional | Strong | Strong | Strong | Strong | $1,094 | +0.122% | 314 | |
11 | USAA Federal Savings Bank | Exceptional | Strong | Exceptional | Sound | Strong | $1,441 | -0.102% | 78 | |
12 | ROCKET MORTGAGE, LLC | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $3,533 | +0.456% | 2,273 | |
13 | HOWARD HANNA FINANCIAL SERVICES, INC. | Strong | Sound | Strong | Strong | Exceptional | $2,264 | +0.295% | 828 | |
14 | MUTUAL OF OMAHA MORTGAGE, INC. | Strong | Sound | Exceptional | Strong | Strong | $2,613 | +0.437% | 193 | |
15 | LOANDEPOT.COM, LLC | Strong | Sound | Exceptional | Strong | Strong | $2,745 | +0.505% | 156 | |
16 | Flagstar Bank, N.A. | Strong | Sound | Exceptional | Strong | Strong | $2,157 | +0.599% | 124 | |
17 | FIRST EQUITY MORTGAGE INCORPORATED | Strong | Strong | Strong | Sound | Strong | $1,071 | +0.010% | 122 | |
18 | NEWREZ LLC | Strong | Sound | Exceptional | Strong | Strong | $2,758 | +0.603% | 113 | |
19 | MOVEMENT MORTGAGE, LLC | Strong | Sound | Exceptional | Exceptional | Sound | $3,070 | +0.595% | 85 | |
20 | CROSSCOUNTRY MORTGAGE, LLC | Strong | Acceptable | Exceptional | Strong | Exceptional | $3,101 | +0.669% | 2,944 | |
21 | UNION HOME MORTGAGE CORP. | Strong | Acceptable | Exceptional | Strong | Exceptional | $3,404 | +0.694% | 528 | |
22 | RUOFF MORTGAGE COMPANY, INC. | Strong | Acceptable | Exceptional | Strong | Exceptional | $2,246 | +0.361% | 469 | |
23 | FAIRWAY INDEPENDENT MORTGAGE CORPORATION | Strong | Acceptable | Exceptional | Exceptional | Strong | $2,814 | +0.322% | 230 | |
24 | NFM, INC. | Strong | Acceptable | Exceptional | Exceptional | Strong | $3,530 | +0.741% | 141 | |
25 | Synergy One Lending, Inc. | Strong | Acceptable | Strong | Strong | Exceptional | $3,520 | +0.540% | 472 | |
26 | Mortgage Research Center, LLC | Strong | Acceptable | Exceptional | Strong | Strong | $1,425 | +0.628% | 433 | |
27 | NORTHERN MORTGAGE SERVICES, LLC | Strong | Acceptable | Strong | Exceptional | Strong | $2,011 | +0.566% | 194 | |
28 | NATIONSTAR MORTGAGE LLC | Strong | Acceptable | Exceptional | Strong | Strong | $3,777 | +0.611% | 131 | |
29 | Nations Lending Corporation | Strong | Mediocre | Exceptional | Exceptional | Strong | $3,165 | +0.417% | 189 | |
30 | AMERICAN PACIFIC MORTGAGE CORPORATION | Strong | Mediocre | Exceptional | Strong | Strong | $3,880 | +0.811% | 131 | |
31 | Ixonia Bank | Strong | Mediocre | Exceptional | Strong | Strong | $3,362 | +0.809% | 89 | |
32 | CARRINGTON MORTGAGE SERVICES, LLC | Strong | Acceptable | Exceptional | Sound | Sound | $3,283 | +0.662% | 51 | |
33 | LIBERTY HOME MORTGAGE CORPORATION | Sound | Mediocre | Strong | Sound | Exceptional | $3,268 | +0.813% | 304 | |
34 | YOUR HOME FINANCIAL LLC | Sound | Acceptable | Sound | Sound | Strong | $3,077 | +0.443% | 158 | |
35 | NEW AMERICAN FUNDING, LLC | Sound | Mediocre | Exceptional | Sound | Strong | $2,750 | +0.787% | 118 | |
36 | 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)
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.
Ready to find your perfect lender?
Get personalized recommendations based on your specific needs
Cleveland, OHVA
No credit impact
3-minute process
100% free