Safe Rate Rankings

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