Safe Rate Rankings

Best All Lender Mortgage Lenders in Cleveland

Updated May 20, 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 Lenders34

Total Loans1,227

Median Rate Spread0.28%

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Rank	Lender	Overall	Pricing	Pull Through	Place	Avg Fees	Rate Spread	# of Loans
1	First Citizens National BankBank	Strong	Strong	Sound	Exceptional	$981Fees	0.101%Above	83
2	UNITED WHOLESALE MORTGAGE, LLCIndependent Mortgage Company	Strong	Sound	Exceptional	Exceptional	$3,707Fees	0.051%Below	76
3	MORTGAGE INVESTORS GROUP, INC.Independent Mortgage Company	Strong	Sound	Exceptional	Strong	$3,007Fees	0.288%Above	44
4	FirstBankBank	Strong	Sound	Exceptional	Strong	$2,076Fees	0.314%Above	37
5	Truist BankBank	Strong	Strong	Strong	Sound	$2,108Fees	0.209%Above	24
6	ROCKET MORTGAGE, LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Exceptional	$4,672Fees	0.271%Above	149
7	CMG MORTGAGE, INC.Independent Mortgage Company	Strong	Acceptable	Exceptional	Exceptional	$2,849Fees	0.461%Above	134
8	Cadence BankBank	Strong	Sound	Strong	Strong	$1,505Fees	0.239%Above	35
9	Regions BankBank	Strong	Sound	Strong	Strong	$1,749Fees	0.485%Above	25
10	TENNESSEE VALLEY FCUCredit Union	Strong	Acceptable	Strong	Exceptional	$3,428Fees	0.230%Above	60
11	MOVEMENT MORTGAGE, LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Strong	$3,137Fees	0.253%Above	38
12	UNION HOME MORTGAGE CORP.Independent Mortgage Company	Strong	Acceptable	Exceptional	Strong	$4,266Fees	0.352%Above	35
13	SmartBankBank	Strong	Sound	Sound	Strong	$1,106Fees	0.055%Below	29
14	FREEDOM MORTGAGE CORPORATIONIndependent Mortgage Company	Strong	Sound	Strong	Sound	$3,293Fees	0.344%Above	22
15	United Community BankBank	Strong	Acceptable	Sound	Exceptional	$2,009Fees	0.454%Above	56
16	SUMMIT FUNDING, INC.Independent Mortgage Company	Sound	Mediocre	Exceptional	Strong	$6,018Fees	0.831%Above	26
17	TJC Mortgage, Inc.Independent Mortgage Company	Sound	Mediocre	Sound	Strong	$4,202Fees	0.475%Above	24

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)

Pricing

Rate and fee competitiveness (33%)

Pull Through

Reliability in closing loans (33%)

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.