Safe Rate Rankings

Best Bank 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 Lenders16

Total Loans2,025

Median Rate Spread0.25%

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Rank	Lender	Overall	Pricing	Pull Through	Place	Avg Fees	Rate Spread	# of Loans
1	The Huntington National BankBank	Exceptional	Strong	Strong	Exceptional	$316Fees	0.488%Above	607
2	Fifth Third Bank, National AssociationBank	Exceptional	Strong	Strong	Exceptional	$717Fees	0.478%Above	312
3	KeyBank National AssociationBank	Exceptional	Strong	Strong	Exceptional	$976Fees	0.227%Above	223
4	The Genoa Banking CompanyBank	Exceptional	Strong	Strong	Exceptional	$1,409Fees	0.088%Above	150
5	Civista BankBank	Strong	Strong	Strong	Strong	$848Fees	0.138%Above	104
6	The State Bank and Trust CompanyBank	Strong	Strong	Strong	Strong	$1,180Fees	0.119%Above	71
7	Citizens Bank, National AssociationBank	Strong	Strong	Strong	Strong	$812Fees	0.216%Above	68
8	First Federal Savings and Loan Association of DeltaBank	Strong	Exceptional	Acceptable	Strong	$547Fees	0.242%Above	27
9	Premier BankBank	Strong	Sound	Strong	Exceptional	$1,126Fees	0.393%Above	161
10	PNC Bank, National AssociationBank	Strong	Strong	Strong	Sound	$198Fees	0.318%Above	29
11	First Federal Savings and Loan Association of LakewoodBank	Strong	Strong	Strong	Sound	$1,371Fees	0.264%Above	27
12	U.S. Bank National AssociationBank	Strong	Strong	Strong	Sound	$713Fees	0.102%Above	24
13	JPMorgan Chase Bank, National AssociationBank	Strong	Sound	Strong	Strong	$2,074Fees	0.278%Above	70
14	Wells Fargo Bank, National AssociationBank	Strong	Strong	Sound	Sound	$1,713Fees	0.081%Below	23
15	The Farmers & Merchants State BankBank	Strong	Sound	Sound	Strong	$1,146Fees	0.221%Above	58
16	Flagstar Bank, N.A.Bank	Sound	Acceptable	Strong	Sound	$2,452Fees	0.848%Above	34

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.