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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 Mortgage Lenders in Toledo
Updated February 5, 2026
Market Overview
72
Total Lenders
5,806
Total Loans
0.50%
Median Rate Spread
| Rank | Lender | Overall | Pricing | Pull Through | Place | Avg Fees | Spread | Volume | Action |
|---|---|---|---|---|---|---|---|---|---|
1 | Directions Credit Union, Inc. | Exceptional | Exceptional | Strong | Exceptional | $410 | -0.012% | 172 | |
2 | The Huntington National Bank | Exceptional | Strong | Strong | Exceptional | $316 | +0.488% | 607 | |
3 | Fifth Third Bank, National Association | Exceptional | Strong | Strong | Exceptional | $717 | +0.478% | 312 | |
4 | KeyBank National Association | Exceptional | Strong | Strong | Exceptional | $976 | +0.227% | 223 | |
5 | The Genoa Banking Company | Exceptional | Strong | Strong | Exceptional | $1,409 | +0.088% | 150 | |
6 | UNITED WHOLESALE MORTGAGE, LLC | Strong | Sound | Exceptional | Exceptional | $2,078 | +0.395% | 267 | |
7 | Civista Bank | Strong | Strong | Strong | Strong | $848 | +0.138% | 104 | |
8 | The State Bank and Trust Company | Strong | Strong | Strong | Strong | $1,180 | +0.119% | 71 | |
9 | Citizens Bank, National Association | Strong | Strong | Strong | Strong | $812 | +0.216% | 68 | |
10 | NAVY FEDERAL CREDIT UNION | Strong | Exceptional | Sound | Sound | $179 | -0.207% | 35 | |
11 | First Federal Savings and Loan Association of Delta | Strong | Exceptional | Acceptable | Strong | $547 | +0.242% | 27 | |
12 | EQUITY RESOURCES, INC. | Strong | Sound | Strong | Exceptional | $1,892 | +0.494% | 202 | |
13 | Premier Bank | Strong | Sound | Strong | Exceptional | $1,126 | +0.393% | 161 | |
14 | ARK-LA-TEX FINANCIAL SERVICES, LLC. | Strong | Sound | Exceptional | Strong | $1,096 | +0.379% | 93 | |
15 | PNC Bank, National Association | Strong | Strong | Strong | Sound | $198 | +0.318% | 29 | |
16 | First Federal Savings and Loan Association of Lakewood | Strong | Strong | Strong | Sound | $1,371 | +0.264% | 27 | |
17 | U.S. Bank National Association | Strong | Strong | Strong | Sound | $713 | +0.102% | 24 | |
18 | ROCKET MORTGAGE, LLC | Strong | Acceptable | Exceptional | Exceptional | $3,104 | +0.586% | 535 | |
19 | UNION HOME MORTGAGE CORP. | Strong | Acceptable | Exceptional | Exceptional | $3,099 | +0.798% | 454 | |
20 | LOANDEPOT.COM, LLC | Strong | Sound | Strong | Strong | $2,091 | +0.616% | 145 | |
21 | JPMorgan Chase Bank, National Association | Strong | Sound | Strong | Strong | $2,074 | +0.278% | 70 | |
22 | RUOFF MORTGAGE COMPANY, INC. | Strong | Sound | Strong | Strong | $2,072 | +0.435% | 65 | |
23 | GUARANTEED RATE, INC. | Strong | Sound | Strong | Strong | $2,541 | +0.496% | 57 | |
24 | Wells Fargo Bank, National Association | Strong | Strong | Sound | Sound | $1,713 | -0.081% | 23 | |
25 | CMG MORTGAGE, INC. | Strong | Acceptable | Exceptional | Strong | $2,416 | +0.519% | 159 | |
26 | NFM, INC. | Strong | Acceptable | Exceptional | Strong | $2,762 | +0.907% | 120 | |
27 | The Farmers & Merchants State Bank | Strong | Sound | Sound | Strong | $1,146 | +0.221% | 58 | |
28 | FREEDOM MORTGAGE CORPORATION | Strong | Sound | Strong | Sound | $1,896 | +0.068% | 41 | |
29 | Filo Mortgage, L.L.C. | Strong | Strong | Acceptable | Sound | $1,038 | +0.753% | 28 | |
30 | PENNYMAC LOAN SERVICES, LLC | Strong | Sound | Strong | Sound | $837 | +0.091% | 24 | |
31 | CROSSCOUNTRY MORTGAGE, LLC | Strong | Acceptable | Strong | Strong | $2,917 | +0.803% | 140 | |
32 | Mortgage Research Center, LLC | Strong | Acceptable | Strong | Strong | $1,935 | +0.803% | 113 | |
33 | VAN DYK MORTGAGE CORPORATION | Strong | Acceptable | Strong | Strong | $2,540 | +0.760% | 50 | |
34 | AG CREDIT AGRICULTURAL CREDIT ASSOCIATION | Strong | Sound | Sound | Sound | $1,325 | +0.301% | 20 | |
35 | NEWREZ LLC | Sound | Acceptable | Sound | Strong | $1,361 | +0.629% | 179 | |
36 | GVC MORTGAGE, INC. | Sound | Mediocre | Exceptional | Strong | $3,057 | +0.990% | 55 | |
37 | NATIONSTAR MORTGAGE LLC | Sound | Acceptable | Strong | Sound | $3,712 | +0.728% | 37 | |
38 | LOWER, LLC | Sound | Acceptable | Strong | Sound | $1,097 | +0.382% | 35 | |
39 | HOWARD HANNA FINANCIAL SERVICES, INC. | Sound | Acceptable | Strong | Sound | $2,332 | +0.585% | 34 | |
40 | Flagstar Bank, N.A. | Sound | Acceptable | Strong | Sound | $2,452 | +0.848% | 34 | |
41 | THE LOAN STORE, INC. | Sound | Acceptable | Strong | Sound | $2,066 | +0.384% | 28 | |
42 | AMERICAN FINANCIAL NETWORK, INC. | Sound | Acceptable | Strong | Sound | $3,069 | +0.636% | 21 | |
43 | NEW AMERICAN FUNDING, LLC | Sound | Acceptable | Sound | Sound | $2,668 | +0.852% | 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)
10
Pricing
Rate and fee competitiveness (33%)
10
Pull Through
Reliability in closing loans (33%)
10
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.
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