Safe Rate Rankings

Best Mortgage Lenders in Toledo

Updated February 5, 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 Lenders72

Total Loans5,806

Median Rate Spread0.50%

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Rank	Lender	Overall	Pricing	Pull Through	Place	Avg Fees	Rate Spread	# of Loans
1	Directions Credit Union, Inc.Credit Union	Exceptional	Exceptional	Strong	Exceptional	$410Fees	0.012%Below	172
2	The Huntington National BankBank	Exceptional	Strong	Strong	Exceptional	$316Fees	0.488%Above	607
3	Fifth Third Bank, National AssociationBank	Exceptional	Strong	Strong	Exceptional	$717Fees	0.478%Above	312
4	KeyBank National AssociationBank	Exceptional	Strong	Strong	Exceptional	$976Fees	0.227%Above	223
5	The Genoa Banking CompanyBank	Exceptional	Strong	Strong	Exceptional	$1,409Fees	0.088%Above	150
6	UNITED WHOLESALE MORTGAGE, LLCIndependent Mortgage Company	Strong	Sound	Exceptional	Exceptional	$2,078Fees	0.395%Above	267
7	Civista BankBank	Strong	Strong	Strong	Strong	$848Fees	0.138%Above	104
8	The State Bank and Trust CompanyBank	Strong	Strong	Strong	Strong	$1,180Fees	0.119%Above	71
9	Citizens Bank, National AssociationBank	Strong	Strong	Strong	Strong	$812Fees	0.216%Above	68
10	NAVY FEDERAL CREDIT UNIONCredit Union	Strong	Exceptional	Sound	Sound	$179Fees	0.207%Below	35
11	First Federal Savings and Loan Association of DeltaBank	Strong	Exceptional	Acceptable	Strong	$547Fees	0.242%Above	27
12	EQUITY RESOURCES, INC.Independent Mortgage Company	Strong	Sound	Strong	Exceptional	$1,892Fees	0.494%Above	202
13	Premier BankBank	Strong	Sound	Strong	Exceptional	$1,126Fees	0.393%Above	161
14	ARK-LA-TEX FINANCIAL SERVICES, LLC.Independent Mortgage Company	Strong	Sound	Exceptional	Strong	$1,096Fees	0.379%Above	93
15	PNC Bank, National AssociationBank	Strong	Strong	Strong	Sound	$198Fees	0.318%Above	29
16	First Federal Savings and Loan Association of LakewoodBank	Strong	Strong	Strong	Sound	$1,371Fees	0.264%Above	27
17	U.S. Bank National AssociationBank	Strong	Strong	Strong	Sound	$713Fees	0.102%Above	24
18	ROCKET MORTGAGE, LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Exceptional	$3,104Fees	0.586%Above	535
19	UNION HOME MORTGAGE CORP.Independent Mortgage Company	Strong	Acceptable	Exceptional	Exceptional	$3,099Fees	0.798%Above	454
20	LOANDEPOT.COM, LLCIndependent Mortgage Company	Strong	Sound	Strong	Strong	$2,091Fees	0.616%Above	145
21	JPMorgan Chase Bank, National AssociationBank	Strong	Sound	Strong	Strong	$2,074Fees	0.278%Above	70
22	RUOFF MORTGAGE COMPANY, INC.Independent Mortgage Company	Strong	Sound	Strong	Strong	$2,072Fees	0.435%Above	65
23	GUARANTEED RATE, INC.Independent Mortgage Company	Strong	Sound	Strong	Strong	$2,541Fees	0.496%Above	57
24	Wells Fargo Bank, National AssociationBank	Strong	Strong	Sound	Sound	$1,713Fees	0.081%Below	23
25	CMG MORTGAGE, INC.Independent Mortgage Company	Strong	Acceptable	Exceptional	Strong	$2,416Fees	0.519%Above	159
26	NFM, INC.Independent Mortgage Company	Strong	Acceptable	Exceptional	Strong	$2,762Fees	0.907%Above	120
27	The Farmers & Merchants State BankBank	Strong	Sound	Sound	Strong	$1,146Fees	0.221%Above	58
28	FREEDOM MORTGAGE CORPORATIONIndependent Mortgage Company	Strong	Sound	Strong	Sound	$1,896Fees	0.068%Above	41
29	Filo Mortgage, L.L.C.Independent Mortgage Company	Strong	Strong	Acceptable	Sound	$1,038Fees	0.753%Above	28
30	PENNYMAC LOAN SERVICES, LLCIndependent Mortgage Company	Strong	Sound	Strong	Sound	$837Fees	0.091%Above	24
31	CROSSCOUNTRY MORTGAGE, LLCIndependent Mortgage Company	Strong	Acceptable	Strong	Strong	$2,917Fees	0.803%Above	140
32	Mortgage Research Center, LLCIndependent Mortgage Company	Strong	Acceptable	Strong	Strong	$1,935Fees	0.803%Above	113
33	VAN DYK MORTGAGE CORPORATIONIndependent Mortgage Company	Strong	Acceptable	Strong	Strong	$2,540Fees	0.760%Above	50
34	AG CREDIT AGRICULTURAL CREDIT ASSOCIATIONIndependent Mortgage Company	Strong	Sound	Sound	Sound	$1,325Fees	0.301%Above	20
35	NEWREZ LLCIndependent Mortgage Company	Sound	Acceptable	Sound	Strong	$1,361Fees	0.629%Above	179
36	GVC MORTGAGE, INC.Independent Mortgage Company	Sound	Mediocre	Exceptional	Strong	$3,057Fees	0.990%Above	55
37	NATIONSTAR MORTGAGE LLCIndependent Mortgage Company	Sound	Acceptable	Strong	Sound	$3,712Fees	0.728%Above	37
38	LOWER, LLCIndependent Mortgage Company	Sound	Acceptable	Strong	Sound	$1,097Fees	0.382%Above	35
39	HOWARD HANNA FINANCIAL SERVICES, INC.Independent Mortgage Company	Sound	Acceptable	Strong	Sound	$2,332Fees	0.585%Above	34
40	Flagstar Bank, N.A.Bank	Sound	Acceptable	Strong	Sound	$2,452Fees	0.848%Above	34
41	THE LOAN STORE, INC.Independent Mortgage Company	Sound	Acceptable	Strong	Sound	$2,066Fees	0.384%Above	28
42	AMERICAN FINANCIAL NETWORK, INC.Independent Mortgage Company	Sound	Acceptable	Strong	Sound	$3,069Fees	0.636%Above	21
43	NEW AMERICAN FUNDING, LLCIndependent Mortgage Company	Sound	Acceptable	Sound	Sound	$2,668Fees	0.852%Above	35

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.