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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 VA 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 | Fifth Third Bank, National Association | Exceptional | Exceptional | Strong | Strong | Exceptional | $717 | +0.478% | 312 | |
2 | UNITED WHOLESALE MORTGAGE, LLC | Exceptional | Strong | Exceptional | Exceptional | Exceptional | $2,078 | +0.395% | 267 | |
3 | The Huntington National Bank | Exceptional | Strong | Exceptional | Strong | Exceptional | $316 | +0.488% | 607 | |
4 | GUARANTEED RATE, INC. | Exceptional | Strong | Exceptional | Strong | Strong | $2,541 | +0.496% | 57 | |
5 | NAVY FEDERAL CREDIT UNION | Exceptional | Exceptional | Exceptional | Sound | Sound | $179 | -0.207% | 35 | |
6 | CMG MORTGAGE, INC. | Exceptional | Sound | Exceptional | Exceptional | Strong | $2,416 | +0.519% | 159 | |
7 | FREEDOM MORTGAGE CORPORATION | Exceptional | Strong | Exceptional | Strong | Sound | $1,896 | +0.068% | 41 | |
8 | ROCKET MORTGAGE, LLC | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $3,104 | +0.586% | 535 | |
9 | EQUITY RESOURCES, INC. | Strong | Sound | Strong | Strong | Exceptional | $1,892 | +0.494% | 202 | |
10 | NEWREZ LLC | Strong | Sound | Exceptional | Strong | Strong | $1,361 | +0.629% | 179 | |
11 | LOANDEPOT.COM, LLC | Strong | Sound | Exceptional | Strong | Strong | $2,091 | +0.616% | 145 | |
12 | USAA Federal Savings Bank | Strong | Strong | Exceptional | Sound | Sound | $1,123 | -0.197% | 16 | |
13 | UNION HOME MORTGAGE CORP. | Strong | Acceptable | Exceptional | Strong | Exceptional | $3,099 | +0.798% | 454 | |
14 | CROSSCOUNTRY MORTGAGE, LLC | Strong | Acceptable | Exceptional | Strong | Strong | $2,917 | +0.803% | 140 | |
15 | Mortgage Research Center, LLC | Strong | Acceptable | Exceptional | Strong | Strong | $1,935 | +0.803% | 113 | |
16 | NEW DAY FINANCIAL, LLC | Sound | Mediocre | Exceptional | Sound | Sound | $2,414 | +1.163% | 13 |
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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