Safe Rate Rankings

Best FHA Mortgage Lenders in Canton

Updated June 4, 2026

Rankings are a starting point, not a verdict. Safe Rate recommends speaking with 2-3 lenders to find the right fit for your home loan!

⚖️ 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 Lenders64

Total Loans4,228

Median Rate Spread0.53%

Canton Market Insights

The Huntington National Bank is Safe Rate's top-ranked FHA lender in Canton, leading on pricing, pullthrough, FHA product expertise, and local knowledge.
There is often a pricing vs. pullthrough tradeoff in mortgage lending. In Canton, First Commonwealth Bank and The Huntington National Bank scores highest on FHA pricing while Nfm and Fairway Independent Mortgage leads on likelihood to close. That is why we encourage speaking with multiple lenders.
United Wholesale Mortgage (UWM) ranks #3 in Canton, serving as the platform behind many independent local brokers who live and work in the community. A local broker knows the neighborhoods, the local market, and is personally invested in your outcome. Real estate agents often prefer referring local brokers for their accessibility and responsiveness, qualities that matter when a deal is moving fast. Pricing and experience can vary by broker.
Popular names in Canton: Rocket Mortgage (#2) and The Huntington National Bank (#1).

Explore Rankings by Type

Overall Rankings

All lenders in Canton

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By Institution Type

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Rank	Lender	Overall	Pricing	Product	Pull Through	Place	Avg Fees	Rate Spread	# of Loans
1	The Huntington National Bank BankDirect	Exceptional	Strong	Exceptional	Strong	Exceptional	$609Fees	0.477%Above	601
2	ROCKET MORTGAGE, LLC Independent Mortgage CompanyDirect & Wholesale	Strong	Acceptable*	Exceptional	Exceptional	Exceptional	$3,241Fees	0.534%Above	494
3	UNITED WHOLESALE MORTGAGE, LLC Independent Mortgage CompanyWholesale	Strong	Sound*	Exceptional	Exceptional	Strong	$2,737Fees	0.156%Above	82
4	First Commonwealth Bank BankDirect	Strong	Strong	Strong	Strong	Strong	$844Fees	0.255%Above	73
5	CROSSCOUNTRY MORTGAGE, LLC Independent Mortgage CompanyDirect	Strong	Mediocre	Exceptional	Strong	Exceptional	$3,811Fees	0.838%Above	680
6	FAIRWAY INDEPENDENT MORTGAGE CORPORATION Independent Mortgage CompanyDirect	Strong	Acceptable	Exceptional	Exceptional	Exceptional	$2,725Fees	0.497%Above	220
7	Fifth Third Bank, National Association BankDirect	Strong	Strong	Exceptional	Sound	Strong	$1,115Fees	0.465%Above	61
8	NFM, INC. Independent Mortgage CompanyDirect	Strong	Acceptable	Exceptional	Exceptional	Strong	$3,333Fees	0.784%Above	51
9	LOANDEPOT.COM, LLC Independent Mortgage CompanyDirect & Wholesale	Strong	Sound*	Exceptional	Strong	Sound	$2,414Fees	0.697%Above	33
10	Flagstar Bank, N.A. BankDirect & Wholesale	Strong	Sound*	Exceptional	Strong	Sound	$2,691Fees	0.787%Above	29
11	PENNYMAC LOAN SERVICES, LLC Independent Mortgage CompanyDirect & Wholesale	Strong	Strong*	Exceptional	Sound	Sound	$1,343Fees	0.097%Above	20
12	GUARANTEED RATE, INC. Independent Mortgage CompanyDirect	Strong	Acceptable	Exceptional	Strong	Strong	$2,035Fees	0.376%Above	103
13	Citizens Bank, National Association BankDirect	Strong	Strong	Strong	Sound	Strong	$1,124Fees	0.271%Above	71
14	FREEDOM MORTGAGE CORPORATION Independent Mortgage CompanyDirect & Wholesale	Strong	Strong*	Exceptional	Strong	Sound	$3,558Fees	0.590%Above	23
15	ARK-LA-TEX FINANCIAL SERVICES, LLC. Independent Mortgage CompanyDirect & Wholesale	Strong	Strong*	Exceptional	Strong	Sound	$492Fees	0.426%Above	12
16	MYCUMORTGAGE, LLC Independent Mortgage CompanyDirect	Strong	Sound	Strong	Exceptional	Sound	$1,081Fees	0.883%Above	25
17	RELIANCE FIRST CAPITAL, LLC Independent Mortgage CompanyDirect	Strong	—	Exceptional	Exceptional	Sound	—	—	13
18	Nations Lending Corporation Independent Mortgage CompanyDirect	Strong	Acceptable	Exceptional	Exceptional	Strong	$2,293Fees	0.630%Above	69
19	POLARIS HOME FUNDING CORP. Independent Mortgage CompanyDirect	Strong	Mediocre	Exceptional	Strong	Exceptional	$3,764Fees	0.777%Above	133
20	GVC MORTGAGE, INC. Independent Mortgage CompanyDirect	Strong	Mediocre	Exceptional	Exceptional	Strong	$2,518Fees	0.754%Above	116
21	UNION HOME MORTGAGE CORP. Independent Mortgage CompanyDirect & Wholesale	Strong	Acceptable*	Exceptional	Exceptional	Strong	$4,093Fees	0.915%Above	74
22	NEWREZ LLC Independent Mortgage CompanyDirect & Wholesale	Strong	Sound*	Exceptional	Sound	Strong	$1,663Fees	0.256%Above	46
23	HOWARD HANNA FINANCIAL SERVICES, INC. Independent Mortgage CompanyDirect	Strong	Sound	Strong	Strong	Sound	$2,326Fees	0.466%Above	30
24	FIRST OHIO HOME FINANCE, INC. Independent Mortgage CompanyDirect	Strong	—	Strong	Strong	Strong	—	—	37
25	RUOFF MORTGAGE COMPANY, INC. Independent Mortgage CompanyDirect	Strong	Acceptable	Exceptional	Strong	Sound	$3,409Fees	0.498%Above	35
26	MUTUAL OF OMAHA MORTGAGE, INC. Independent Mortgage CompanyDirect	Sound	Acceptable	Exceptional	Sound	Strong	$2,527Fees	0.741%Above	49
27	Synergy One Lending, Inc. Independent Mortgage CompanyDirect	Sound	Acceptable	Exceptional	Strong	Sound	$3,389Fees	0.420%Above	37
28	LOWER, LLC Independent Mortgage CompanyDirect & Wholesale	Sound	Acceptable*	Exceptional	Strong	Sound	$2,379Fees	0.578%Above	17
29	NEW AMERICAN FUNDING, LLC Independent Mortgage CompanyDirect	Sound	Mediocre	Exceptional	Sound	Sound	$3,137Fees	1.212%Above	19
30	Ixonia Bank BankDirect	Sound	Mediocre	Exceptional	Strong	Sound	$2,479Fees	1.185%Above	15
31	NATIONSTAR MORTGAGE LLC Independent Mortgage CompanyDirect	Sound	Mediocre	Exceptional	Strong	Sound	$4,497Fees	0.438%Above	29
32	GENEVA FINANCIAL, LLC Independent Mortgage CompanyDirect	Sound	Mediocre	Exceptional	Exceptional	Acceptable	$3,918Fees	0.809%Above	10
33	LIBERTY HOME MORTGAGE CORPORATION Independent Mortgage CompanyDirect	Sound	Mediocre	Strong	Sound	Sound	$3,965Fees	0.899%Above	30
34	AMERISAVE MORTGAGE CORPORATION Independent Mortgage CompanyDirect	Sound	Acceptable	Exceptional	Sound	Sound	$4,322Fees	1.184%Above	11
35	ROYAL UNITED MORTGAGE LLC Independent Mortgage CompanyDirect	Sound	Mediocre	Strong	Sound	Sound	—	—	16

❓ Frequently Asked Questions

How are mortgage lenders ranked in Canton?+

Safe Rate ranks lenders using the 4 Ps framework, derived entirely from HMDA (Home Mortgage Disclosure Act) data: Pricing (how competitively a lender prices loans vs. the market benchmark), Pullthrough (how effectively a lender closes applications), Place (the lender's depth of expertise in Canton), and Product (performance on specific loan types). Each lender receives a composite Safe Rate Score from 0–100. No lender pays to appear in the rankings.

What is the Safe Rate Score?+

The Safe Rate Score is a 0–100 composite index measuring a lender's performance across Pricing, Pullthrough, Place, and Product. Scores of 80 or above earn Champion status; scores of 60–79 earn Superstar status. All scores are calculated from verified HMDA data — no lender can pay to improve their position.

How many mortgage lenders are active in Canton?+

Based on 2024 HMDA data, 64 lenders originated a combined 4,228 loans in Canton. Safe Rate's rankings evaluate all of them — not just a curated shortlist.

What does the rate spread tell me about a lender in Canton?+

Rate spread measures how much above the Average Prime Offer Rate (APOR) a lender charges. The median rate spread in Canton is 0.53%. Lenders in Safe Rate's top rankings consistently price below this median, meaning borrowers typically pay less interest over the life of their loan.

What is HMDA data and why does Safe Rate use it?+

HMDA (Home Mortgage Disclosure Act) is a federal law requiring every mortgage lender to disclose every loan application annually — including rates, amounts, approvals, and denials. Safe Rate uses HMDA because it is government-verified, covers all lenders equally, and cannot be gamed. It is the most objective foundation available for lender rankings.

Does Safe Rate accept payment from lenders to appear in rankings?+

No. Safe Rate rankings are strictly data-driven. No lender can pay to appear in or improve their position in Safe Rate's rankings. The only factor that determines a lender's rank is their verified HMDA performance data.

What is the difference between a bank, credit union, and independent mortgage company?+

Banks and credit unions offer mortgages alongside checking, savings, and other products. Independent Mortgage Companies (IMCs) focus exclusively on originating loans and often offer more product variety and speed. In Canton's rankings, all three institution types are evaluated on the same HMDA performance metrics.

How We Rank Lenders

Our rankings use a weighted average of scores across equally-weighted categories to evaluate lenders on a linear, raw performance scale.

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.

⚖️ Licensing & Disclosures

Lender rankings and market statistics are created by Dylan Hall, licensed mortgage loan officer (NMLS #1658740). Safe Rate is a mortgage technology platform; mortgage lending services are provided by PartnerOwn LLC dba Safe Rate Mortgage, a licensed mortgage broker and lender (NMLS #1590949). Safe Rate Mortgage is a lending partner of some of the lenders ranked on this page, and Safe Rate Inc. has software or service customers on this list; however, all rankings are calculated using objective, public Home Mortgage Disclosure Act (HMDA) datasets, completely independent of any corporate partnerships, client relationships, or compensation.