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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 FHA 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 | Product | Pull Through | Place | Avg Fees | Spread | Volume | Action |
|---|---|---|---|---|---|---|---|---|---|---|
1 | The Huntington National Bank | Exceptional | Strong | Exceptional | Strong | Exceptional | $316 | +0.488% | 607 | |
2 | KeyBank National Association | Exceptional | Exceptional | Strong | Sound | Exceptional | $976 | +0.227% | 223 | |
3 | Fifth Third Bank, National Association | Exceptional | Strong | Exceptional | Sound | Exceptional | $717 | +0.478% | 312 | |
4 | UNITED WHOLESALE MORTGAGE, LLC | Exceptional | Sound | Exceptional | Exceptional | Exceptional | $2,078 | +0.395% | 267 | |
5 | ARK-LA-TEX FINANCIAL SERVICES, LLC. | Exceptional | Strong | Exceptional | Strong | Strong | $1,096 | +0.379% | 93 | |
6 | FREEDOM MORTGAGE CORPORATION | Exceptional | Strong | Exceptional | Strong | Sound | $1,896 | +0.068% | 41 | |
7 | Filo Mortgage, L.L.C. | Exceptional | Exceptional | Strong | Sound | Sound | $1,038 | +0.753% | 28 | |
8 | ROCKET MORTGAGE, LLC | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $3,104 | +0.586% | 535 | |
9 | UNION HOME MORTGAGE CORP. | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $3,099 | +0.798% | 454 | |
10 | Premier Bank | Strong | Strong | Sound | Sound | Exceptional | $1,126 | +0.393% | 161 | |
11 | LOANDEPOT.COM, LLC | Strong | Sound | Exceptional | Strong | Strong | $2,091 | +0.616% | 145 | |
12 | Citizens Bank, National Association | Strong | Strong | Strong | Sound | Strong | $812 | +0.216% | 68 | |
13 | PENNYMAC LOAN SERVICES, LLC | Strong | Strong | Exceptional | Sound | Sound | $837 | +0.091% | 24 | |
14 | NEWREZ LLC | Strong | Sound | Exceptional | Sound | Strong | $1,361 | +0.629% | 179 | |
15 | NFM, INC. | Strong | Acceptable | Exceptional | Exceptional | Strong | $2,762 | +0.907% | 120 | |
16 | Flagstar Bank, N.A. | Strong | Sound | Exceptional | Strong | Sound | $2,452 | +0.848% | 34 | |
17 | EQUITY RESOURCES, INC. | Strong | Acceptable | Strong | Strong | Exceptional | $1,892 | +0.494% | 202 | |
18 | CMG MORTGAGE, INC. | Strong | Acceptable | Exceptional | Strong | Strong | $2,416 | +0.519% | 159 | |
19 | RUOFF MORTGAGE COMPANY, INC. | Strong | Acceptable | Exceptional | Strong | Strong | $2,072 | +0.435% | 65 | |
20 | GUARANTEED RATE, INC. | Strong | Acceptable | Exceptional | Strong | Strong | $2,541 | +0.496% | 57 | |
21 | VAN DYK MORTGAGE CORPORATION | Strong | Acceptable | Exceptional | Strong | Strong | $2,540 | +0.760% | 50 | |
22 | HOWARD HANNA FINANCIAL SERVICES, INC. | Strong | Sound | Strong | Strong | Sound | $2,332 | +0.585% | 34 | |
23 | Mortgage Research Center, LLC | Strong | Acceptable | Exceptional | Sound | Strong | $1,935 | +0.803% | 113 | |
24 | GVC MORTGAGE, INC. | Strong | Mediocre | Exceptional | Exceptional | Strong | $3,057 | +0.990% | 55 | |
25 | AMERICAN FINANCIAL NETWORK, INC. | Strong | Acceptable | Exceptional | Strong | Sound | $3,069 | +0.636% | 21 | |
26 | CROSSCOUNTRY MORTGAGE, LLC | Strong | Mediocre | Exceptional | Strong | Strong | $2,917 | +0.803% | 140 | |
27 | MUTUAL OF OMAHA MORTGAGE, INC. | Strong | Acceptable | Exceptional | Sound | Sound | $1,878 | +0.765% | 16 | |
28 | CARRINGTON MORTGAGE SERVICES, LLC | Strong | Acceptable | Exceptional | Sound | Sound | $2,537 | +0.767% | 15 | |
29 | AMERISAVE MORTGAGE CORPORATION | Strong | Acceptable | Exceptional | Sound | Sound | $4,875 | +0.570% | 13 | |
30 | NATIONSTAR MORTGAGE LLC | Sound | Mediocre | Exceptional | Strong | Sound | $3,712 | +0.728% | 37 | |
31 | CHURCHILL MORTGAGE CORPORATION | Sound | Mediocre | Exceptional | Strong | Sound | $2,999 | +0.999% | 13 | |
32 | NEW AMERICAN FUNDING, LLC | Sound | Mediocre | Exceptional | Sound | Sound | $2,668 | +0.852% | 35 | |
33 | LIBERTY HOME MORTGAGE CORPORATION | Sound | Mediocre | Strong | Sound | Sound | $2,409 | +1.271% | 14 |
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)
10
Pricing
Rate and fee competitiveness (25%)
10
Pull Through
Reliability in closing loans (25%)
10
Product
Specialization in the loan type (25%)
10
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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