Safe Rate Rankings

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

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.