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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 Bank Mortgage Lenders in Toledo
Updated February 5, 2026
Market Overview
16
Total Lenders
2,025
Total Loans
0.25%
Median Rate Spread
| Rank | Lender | Overall | Pricing | Pull Through | Place | Avg Fees | Spread | Volume | Action |
|---|---|---|---|---|---|---|---|---|---|
1 | The Huntington National Bank | Exceptional | Strong | Strong | Exceptional | $316 | +0.488% | 607 | |
2 | Fifth Third Bank, National Association | Exceptional | Strong | Strong | Exceptional | $717 | +0.478% | 312 | |
3 | KeyBank National Association | Exceptional | Strong | Strong | Exceptional | $976 | +0.227% | 223 | |
4 | The Genoa Banking Company | Exceptional | Strong | Strong | Exceptional | $1,409 | +0.088% | 150 | |
5 | Civista Bank | Strong | Strong | Strong | Strong | $848 | +0.138% | 104 | |
6 | The State Bank and Trust Company | Strong | Strong | Strong | Strong | $1,180 | +0.119% | 71 | |
7 | Citizens Bank, National Association | Strong | Strong | Strong | Strong | $812 | +0.216% | 68 | |
8 | First Federal Savings and Loan Association of Delta | Strong | Exceptional | Acceptable | Strong | $547 | +0.242% | 27 | |
9 | Premier Bank | Strong | Sound | Strong | Exceptional | $1,126 | +0.393% | 161 | |
10 | PNC Bank, National Association | Strong | Strong | Strong | Sound | $198 | +0.318% | 29 | |
11 | First Federal Savings and Loan Association of Lakewood | Strong | Strong | Strong | Sound | $1,371 | +0.264% | 27 | |
12 | U.S. Bank National Association | Strong | Strong | Strong | Sound | $713 | +0.102% | 24 | |
13 | JPMorgan Chase Bank, National Association | Strong | Sound | Strong | Strong | $2,074 | +0.278% | 70 | |
14 | Wells Fargo Bank, National Association | Strong | Strong | Sound | Sound | $1,713 | -0.081% | 23 | |
15 | The Farmers & Merchants State Bank | Strong | Sound | Sound | Strong | $1,146 | +0.221% | 58 | |
16 | Flagstar Bank, N.A. | Sound | Acceptable | Strong | Sound | $2,452 | +0.848% | 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)
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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