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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 Conventional Mortgage Lenders in Toledo

Updated February 5, 2026

Market Overview

Total Lenders

5,806

Total Loans

0.50%

Median Rate Spread

Rank	Lender	Overall	Pricing	Product	Pull Through	Place	Avg Fees	Spread	Volume
1	Directions Credit Union, Inc.	Exceptional	Exceptional	Strong	Strong	Exceptional	$410	-0.012%	172
2	The Huntington National Bank	Exceptional	Strong	Exceptional	Strong	Exceptional	$316	+0.488%	607
3	KeyBank National Association	Exceptional	Strong	Exceptional	Strong	Exceptional	$976	+0.227%	223
4	Fifth Third Bank, National Association	Exceptional	Strong	Exceptional	Sound	Exceptional	$717	+0.478%	312
5	The Genoa Banking Company	Exceptional	Strong	Strong	Strong	Exceptional	$1,409	+0.088%	150
6	NAVY FEDERAL CREDIT UNION	Exceptional	Exceptional	Exceptional	Sound	Sound	$179	-0.207%	35
7	Civista Bank	Exceptional	Strong	Strong	Strong	Strong	$848	+0.138%	104
8	The State Bank and Trust Company	Exceptional	Strong	Strong	Strong	Strong	$1,180	+0.119%	71
9	Citizens Bank, National Association	Exceptional	Strong	Exceptional	Sound	Strong	$812	+0.216%	68
10	PNC Bank, National Association	Exceptional	Strong	Exceptional	Strong	Sound	$198	+0.318%	29
11	U.S. Bank National Association	Exceptional	Strong	Exceptional	Strong	Sound	$713	+0.102%	24
12	FREMONT Federal Credit Union	Exceptional	Exceptional	Sound	Strong	Sound	$466	+0.367%	13
13	ROCKET MORTGAGE, LLC	Strong	Acceptable	Exceptional	Exceptional	Exceptional	$3,104	+0.586%	535
14	UNITED WHOLESALE MORTGAGE, LLC	Strong	Acceptable	Exceptional	Exceptional	Exceptional	$2,078	+0.395%	267
15	EQUITY RESOURCES, INC.	Strong	Sound	Strong	Strong	Exceptional	$1,892	+0.494%	202
16	Premier Bank	Strong	Sound	Strong	Strong	Exceptional	$1,126	+0.393%	161
17	LOANDEPOT.COM, LLC	Strong	Sound	Exceptional	Strong	Strong	$2,091	+0.616%	145
18	ARK-LA-TEX FINANCIAL SERVICES, LLC.	Strong	Sound	Exceptional	Strong	Strong	$1,096	+0.379%	93
19	JPMorgan Chase Bank, National Association	Strong	Sound	Exceptional	Strong	Strong	$2,074	+0.278%	70
20	RUOFF MORTGAGE COMPANY, INC.	Strong	Sound	Exceptional	Strong	Strong	$2,072	+0.435%	65
21	First Federal Savings and Loan Association of Lakewood	Strong	Strong	Strong	Strong	Sound	$1,371	+0.264%	27
22	First Federal Savings and Loan Association of Delta	Strong	Exceptional	Acceptable	Sound	Strong	$547	+0.242%	27
23	Wells Fargo Bank, National Association	Strong	Strong	Exceptional	Sound	Sound	$1,713	-0.081%	23
24	UNION HOME MORTGAGE CORP.	Strong	Acceptable	Exceptional	Strong	Exceptional	$3,099	+0.798%	454
25	Filo Mortgage, L.L.C.	Strong	Strong	Strong	Sound	Sound	$1,038	+0.753%	28
26	MUTUAL OF OMAHA MORTGAGE, INC.	Strong	Strong	Strong	Sound	Sound	$1,878	+0.765%	16
27	CMG MORTGAGE, INC.	Strong	Acceptable	Exceptional	Strong	Strong	$2,416	+0.519%	159
28	CROSSCOUNTRY MORTGAGE, LLC	Strong	Acceptable	Exceptional	Strong	Strong	$2,917	+0.803%	140
29	GUARANTEED RATE, INC.	Strong	Acceptable	Exceptional	Strong	Strong	$2,541	+0.496%	57
30	GVC MORTGAGE, INC.	Strong	Acceptable	Exceptional	Strong	Strong	$3,057	+0.990%	55
31	PENNYMAC LOAN SERVICES, LLC	Strong	Sound	Exceptional	Sound	Sound	$837	+0.091%	24
32	NEWREZ LLC	Strong	Acceptable	Exceptional	Sound	Strong	$1,361	+0.629%	179
33	The Farmers & Merchants State Bank	Strong	Sound	Sound	Sound	Strong	$1,146	+0.221%	58
34	FREEDOM MORTGAGE CORPORATION	Strong	Sound	Strong	Sound	Sound	$1,896	+0.068%	41
35	NATIONSTAR MORTGAGE LLC	Strong	Acceptable	Exceptional	Strong	Sound	$3,712	+0.728%	37
36	LOWER, LLC	Strong	Acceptable	Exceptional	Strong	Sound	$1,097	+0.382%	35
37	HOWARD HANNA FINANCIAL SERVICES, INC.	Strong	Acceptable	Exceptional	Strong	Sound	$2,332	+0.585%	34
38	Flagstar Bank, N.A.	Strong	Acceptable	Exceptional	Strong	Sound	$2,452	+0.848%	34
39	THE LOAN STORE, INC.	Strong	Acceptable	Exceptional	Strong	Sound	$2,066	+0.384%	28
40	AMERICAN FINANCIAL NETWORK, INC.	Strong	Acceptable	Exceptional	Strong	Sound	$3,069	+0.636%	21
41	MOVEMENT MORTGAGE, LLC	Strong	Acceptable	Exceptional	Strong	Sound	$1,955	+0.825%	19
42	SUPERIOR CREDIT UNION, INC.	Strong	Sound	Strong	Sound	Sound	$1,478	+0.473%	18
43	PRIMELENDING, A PLAINSCAPITAL COMPANY	Strong	Acceptable	Exceptional	Strong	Sound	$2,267	+0.988%	16
44	MORTGAGE 1 INCORPORATED	Strong	Acceptable	Exceptional	Strong	Sound	$2,292	+0.483%	15
45	NFM, INC.	Strong	Mediocre	Exceptional	Strong	Strong	$2,762	+0.907%	120
46	Mortgage Research Center, LLC	Strong	Acceptable	Strong	Sound	Strong	$1,935	+0.803%	113
47	VAN DYK MORTGAGE CORPORATION	Strong	Acceptable	Strong	Sound	Strong	$2,540	+0.760%	50
48	NEW AMERICAN FUNDING, LLC	Strong	Acceptable	Exceptional	Sound	Sound	$2,668	+0.852%	35
49	AG CREDIT AGRICULTURAL CREDIT ASSOCIATION	Strong	Sound	Sound	Sound	Sound	$1,325	+0.301%	20

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 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.

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Toledo, OHConventional

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