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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 FHA Mortgage Company 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	UNITED WHOLESALE MORTGAGE, LLC	Exceptional	Sound	Exceptional	Exceptional	Exceptional	$2,078	+0.395%	267
2	ARK-LA-TEX FINANCIAL SERVICES, LLC.	Exceptional	Strong	Exceptional	Strong	Strong	$1,096	+0.379%	93
3	FREEDOM MORTGAGE CORPORATION	Exceptional	Strong	Exceptional	Strong	Sound	$1,896	+0.068%	41
4	Filo Mortgage, L.L.C.	Exceptional	Exceptional	Strong	Sound	Sound	$1,038	+0.753%	28
5	ROCKET MORTGAGE, LLC	Strong	Acceptable	Exceptional	Exceptional	Exceptional	$3,104	+0.586%	535
6	UNION HOME MORTGAGE CORP.	Strong	Acceptable	Exceptional	Exceptional	Exceptional	$3,099	+0.798%	454
7	LOANDEPOT.COM, LLC	Strong	Sound	Exceptional	Strong	Strong	$2,091	+0.616%	145
8	PENNYMAC LOAN SERVICES, LLC	Strong	Strong	Exceptional	Sound	Sound	$837	+0.091%	24
9	NEWREZ LLC	Strong	Sound	Exceptional	Sound	Strong	$1,361	+0.629%	179
10	NFM, INC.	Strong	Acceptable	Exceptional	Exceptional	Strong	$2,762	+0.907%	120
11	EQUITY RESOURCES, INC.	Strong	Acceptable	Strong	Strong	Exceptional	$1,892	+0.494%	202
12	CMG MORTGAGE, INC.	Strong	Acceptable	Exceptional	Strong	Strong	$2,416	+0.519%	159
13	RUOFF MORTGAGE COMPANY, INC.	Strong	Acceptable	Exceptional	Strong	Strong	$2,072	+0.435%	65
14	GUARANTEED RATE, INC.	Strong	Acceptable	Exceptional	Strong	Strong	$2,541	+0.496%	57
15	VAN DYK MORTGAGE CORPORATION	Strong	Acceptable	Exceptional	Strong	Strong	$2,540	+0.760%	50
16	HOWARD HANNA FINANCIAL SERVICES, INC.	Strong	Sound	Strong	Strong	Sound	$2,332	+0.585%	34
17	Mortgage Research Center, LLC	Strong	Acceptable	Exceptional	Sound	Strong	$1,935	+0.803%	113
18	GVC MORTGAGE, INC.	Strong	Mediocre	Exceptional	Exceptional	Strong	$3,057	+0.990%	55
19	AMERICAN FINANCIAL NETWORK, INC.	Strong	Acceptable	Exceptional	Strong	Sound	$3,069	+0.636%	21
20	CROSSCOUNTRY MORTGAGE, LLC	Strong	Mediocre	Exceptional	Strong	Strong	$2,917	+0.803%	140
21	MUTUAL OF OMAHA MORTGAGE, INC.	Strong	Acceptable	Exceptional	Sound	Sound	$1,878	+0.765%	16
22	CARRINGTON MORTGAGE SERVICES, LLC	Strong	Acceptable	Exceptional	Sound	Sound	$2,537	+0.767%	15
23	AMERISAVE MORTGAGE CORPORATION	Strong	Acceptable	Exceptional	Sound	Sound	$4,875	+0.570%	13
24	NATIONSTAR MORTGAGE LLC	Sound	Mediocre	Exceptional	Strong	Sound	$3,712	+0.728%	37
25	CHURCHILL MORTGAGE CORPORATION	Sound	Mediocre	Exceptional	Strong	Sound	$2,999	+0.999%	13
26	NEW AMERICAN FUNDING, LLC	Sound	Mediocre	Exceptional	Sound	Sound	$2,668	+0.852%	35
27	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)

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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