Safe Rate Rankings

Best Conventional 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	Product	Pull Through	Place	Avg Fees	Rate Spread	# of Loans
1	First Citizens National BankBank	Exceptional	Strong	Strong	Strong	Exceptional	$981Fees	0.101%Above	83
2	NAVY FEDERAL CREDIT UNIONCredit Union	Exceptional	Exceptional	Exceptional	Sound	Sound	$1,055Fees	0.590%Below	12
3	Truist BankBank	Exceptional	Strong	Exceptional	Strong	Sound	$2,108Fees	0.209%Above	24
4	ROCKET MORTGAGE, LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Exceptional	Exceptional	$4,672Fees	0.271%Above	149
5	UNITED WHOLESALE MORTGAGE, LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Exceptional	Exceptional	$3,707Fees	0.051%Below	76
6	FirstBankBank	Strong	Sound	Exceptional	Strong	Strong	$2,076Fees	0.314%Above	37
7	Cadence BankBank	Strong	Sound	Exceptional	Strong	Strong	$1,505Fees	0.239%Above	35
8	Wells Fargo Bank, National AssociationBank	Strong	Strong	Exceptional	Sound	Sound	$3,211Fees	0.456%Above	11
9	CMG MORTGAGE, INC.Independent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Exceptional	$2,849Fees	0.461%Above	134
10	United Community BankBank	Strong	Acceptable	Exceptional	Strong	Exceptional	$2,009Fees	0.454%Above	56
11	LOANDEPOT.COM, LLCIndependent Mortgage Company	Strong	Sound	Exceptional	Strong	Sound	$2,464Fees	0.661%Above	17
12	ARK-LA-TEX FINANCIAL SERVICES, LLC.Independent Mortgage Company	Strong	Sound	Exceptional	Strong	Sound	$1,447Fees	0.324%Above	15
13	TENNESSEE VALLEY FCUCredit Union	Strong	Acceptable	Strong	Strong	Exceptional	$3,428Fees	0.230%Above	60
14	MORTGAGE INVESTORS GROUP, INC.Independent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Strong	$3,007Fees	0.288%Above	44
15	MOVEMENT MORTGAGE, LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Strong	$3,137Fees	0.253%Above	38
16	UNION HOME MORTGAGE CORP.Independent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Strong	$4,266Fees	0.352%Above	35
17	Regions BankBank	Strong	Acceptable	Exceptional	Strong	Strong	$1,749Fees	0.485%Above	25
18	JPMorgan Chase Bank, National AssociationBank	Strong	Sound	Exceptional	Strong	Acceptable	$3,397Fees	0.379%Above	10
19	SmartBankBank	Strong	Sound	Sound	Sound	Strong	$1,106Fees	0.055%Below	29
20	THE LOAN STORE, INC.Independent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Sound	$2,956Fees	0.263%Above	18
21	GUARANTEED RATE, INC.Independent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Sound	$2,165Fees	0.330%Above	14
22	FIRST COMMUNITY MORTGAGE, INC.Independent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Sound	$2,618Fees	0.410%Above	13
23	Renasant BankBank	Strong	Acceptable	Exceptional	Strong	Sound	$1,949Fees	0.168%Above	10
24	PENNYMAC LOAN SERVICES, LLCIndependent Mortgage Company	Strong	Sound	Exceptional	Sound	Acceptable	$3,964Fees	0.511%Below	10
25	SUMMIT FUNDING, INC.Independent Mortgage Company	Strong	Mediocre	Exceptional	Strong	Strong	$6,018Fees	0.831%Above	26
26	ALAMEDA MORTGAGE CORPORATIONIndependent Mortgage Company	Sound	Mediocre	Exceptional	Strong	Sound	$2,702Fees	0.574%Above	14
27	NEW AMERICAN FUNDING, LLCIndependent Mortgage Company	Sound	Acceptable	Exceptional	Sound	Acceptable	$2,849Fees	0.608%Above	10
28	TJC Mortgage, Inc.Independent Mortgage Company	Sound	Mediocre	Strong	Sound	Strong	$4,202Fees	0.475%Above	24
29	Bowater Employees Credit UnionCredit Union	Sound	Mediocre	Acceptable	Sound	Sound	$3,406Fees	0.374%Above	12

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.