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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 Conventional Mortgage Company Lenders in Toledo
Updated February 5, 2026
Market Overview
36
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 | ROCKET MORTGAGE, LLC | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $3,104 | +0.586% | 535 | |
2 | UNITED WHOLESALE MORTGAGE, LLC | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $2,078 | +0.395% | 267 | |
3 | EQUITY RESOURCES, INC. | Strong | Sound | Strong | Strong | Exceptional | $1,892 | +0.494% | 202 | |
4 | LOANDEPOT.COM, LLC | Strong | Sound | Exceptional | Strong | Strong | $2,091 | +0.616% | 145 | |
5 | ARK-LA-TEX FINANCIAL SERVICES, LLC. | Strong | Sound | Exceptional | Strong | Strong | $1,096 | +0.379% | 93 | |
6 | RUOFF MORTGAGE COMPANY, INC. | Strong | Sound | Exceptional | Strong | Strong | $2,072 | +0.435% | 65 | |
7 | UNION HOME MORTGAGE CORP. | Strong | Acceptable | Exceptional | Strong | Exceptional | $3,099 | +0.798% | 454 | |
8 | Filo Mortgage, L.L.C. | Strong | Strong | Strong | Sound | Sound | $1,038 | +0.753% | 28 | |
9 | MUTUAL OF OMAHA MORTGAGE, INC. | Strong | Strong | Strong | Sound | Sound | $1,878 | +0.765% | 16 | |
10 | CMG MORTGAGE, INC. | Strong | Acceptable | Exceptional | Strong | Strong | $2,416 | +0.519% | 159 | |
11 | CROSSCOUNTRY MORTGAGE, LLC | Strong | Acceptable | Exceptional | Strong | Strong | $2,917 | +0.803% | 140 | |
12 | GUARANTEED RATE, INC. | Strong | Acceptable | Exceptional | Strong | Strong | $2,541 | +0.496% | 57 | |
13 | GVC MORTGAGE, INC. | Strong | Acceptable | Exceptional | Strong | Strong | $3,057 | +0.990% | 55 | |
14 | PENNYMAC LOAN SERVICES, LLC | Strong | Sound | Exceptional | Sound | Sound | $837 | +0.091% | 24 | |
15 | NEWREZ LLC | Strong | Acceptable | Exceptional | Sound | Strong | $1,361 | +0.629% | 179 | |
16 | FREEDOM MORTGAGE CORPORATION | Strong | Sound | Strong | Sound | Sound | $1,896 | +0.068% | 41 | |
17 | NATIONSTAR MORTGAGE LLC | Strong | Acceptable | Exceptional | Strong | Sound | $3,712 | +0.728% | 37 | |
18 | LOWER, LLC | Strong | Acceptable | Exceptional | Strong | Sound | $1,097 | +0.382% | 35 | |
19 | HOWARD HANNA FINANCIAL SERVICES, INC. | Strong | Acceptable | Exceptional | Strong | Sound | $2,332 | +0.585% | 34 | |
20 | THE LOAN STORE, INC. | Strong | Acceptable | Exceptional | Strong | Sound | $2,066 | +0.384% | 28 | |
21 | AMERICAN FINANCIAL NETWORK, INC. | Strong | Acceptable | Exceptional | Strong | Sound | $3,069 | +0.636% | 21 | |
22 | MOVEMENT MORTGAGE, LLC | Strong | Acceptable | Exceptional | Strong | Sound | $1,955 | +0.825% | 19 | |
23 | PRIMELENDING, A PLAINSCAPITAL COMPANY | Strong | Acceptable | Exceptional | Strong | Sound | $2,267 | +0.988% | 16 | |
24 | MORTGAGE 1 INCORPORATED | Strong | Acceptable | Exceptional | Strong | Sound | $2,292 | +0.483% | 15 | |
25 | NFM, INC. | Strong | Mediocre | Exceptional | Strong | Strong | $2,762 | +0.907% | 120 | |
26 | Mortgage Research Center, LLC | Strong | Acceptable | Strong | Sound | Strong | $1,935 | +0.803% | 113 | |
27 | VAN DYK MORTGAGE CORPORATION | Strong | Acceptable | Strong | Sound | Strong | $2,540 | +0.760% | 50 | |
28 | NEW AMERICAN FUNDING, LLC | Strong | Acceptable | Exceptional | Sound | Sound | $2,668 | +0.852% | 35 | |
29 | AG CREDIT AGRICULTURAL CREDIT ASSOCIATION | Strong | Sound | Sound | Sound | Sound | $1,325 | +0.301% | 20 | |
30 | CHURCHILL MORTGAGE CORPORATION | Sound | Mediocre | Exceptional | Strong | Sound | $2,999 | +0.999% | 13 | |
31 | AMERISAVE MORTGAGE CORPORATION | Sound | Mediocre | Strong | Acceptable | Sound | $4,875 | +0.570% | 13 | |
32 | LIBERTY HOME MORTGAGE CORPORATION | Sound | Mediocre | Sound | Acceptable | 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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