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Mortgage Lenders and Brokers in Toledo, Ohio

Content reviewed by

Brian McKay | iEditorial Disclosure | ✓Fact Checked | Loan Rates Last Updated and Verified: October 7, 2026

Toledo, Ohio mortgage lenders include Huntington National BankHuntington National Bank800 Madison Ave, Toledo, OH 43604A+5.0 ★Texas Ratio: 3.66%, Fifth Third Bank, National AssociationFifth Third Bank, National Association3355 Secor Rd, Toledo, OH 43606A+5.0 ★Texas Ratio: 3.22%, Keybank National AssociationKeybank National Association3031 Collingwood Blvd, Toledo, OH 43610A+5.0 ★Texas Ratio: 4.81%, Directions Credit UnionDirections Credit Union1 Owens Corning Pkwy, Toledo, OH 43659A+5.0 ★Texas Ratio: 3.08%, Citizens Bank, NACitizens Bank, NA5911 Lewis Ave, Toledo, OH 43612A+5.0 ★Texas Ratio: 5.44%, JPMorgan Chase Bank, NAJPMorgan Chase Bank, NA3301 Secor Rd, Toledo, OH 43606A+5.0 ★Texas Ratio: 3.68%, Wesbanco Bank, Inc.Wesbanco Bank, Inc.1707 Cherry St, Toledo, OH 43608A+5.0 ★Texas Ratio: 3.87%, Waterford Bank, N.A.Waterford Bank, N.A.3900 N Mccord Rd, Toledo, OH 43617A+5.0 ★Texas Ratio: 5.33%, PNC Bank N.A.PNC Bank N.A.405 Madison Ave, Toledo, OH 43604A+5.0 ★Texas Ratio: 4.24%, and Signature Bank, N.A.Signature Bank, N.A.4607 W Sylvania Ave, Toledo, OH 43623A+5.0 ★Texas Ratio: 5.37%. Banks, credit unions and mortgage companies are listed together, with FHA, VA and local options flagged for quick comparison.

Lenders are ranked only by the number of home loans they closed in Toledo, Ohio in 2025, as reported under the federal Home Mortgage Disclosure Act. No lender pays for a higher spot. Lenders based in Toledo are listed first, then lenders elsewhere in Ohio, then lenders from other states that closed loans there. Banks and credit unions carry a MonitorBankRates health grade, star rating and Texas Ratio, so you can judge how financially sound they are. Mortgage companies have no deposits to rate, so compare their loan programs, median loan and borrower reviews instead. Compare at least three lenders and ask each for a written loan estimate before you choose.

Mortgage Lenders and Brokers in Toledo, Ohio

Market share is the lender's share of all home loans closed in Toledo, Ohio. Approval share is approvals divided by completed applications. Grade is the MonitorBankRates Health and Safety Grade, available for banks and credit unions only. Average loan is the lender's mean loan amount here.

Lender	Programs	Loans closed	Market share	Approval share	Average loan	View
Huntington National Bank 11 offices in Toledo 800 Madison Ave, Toledo, OH 43604 A+5.0 ★Texas Ratio: 3.66%	Conventional, FHA, VA, HELOC	296 +355 HELOCs	9.3%	78.5%	$129,864	View
Fifth Third Bank, National Association 9 offices in Toledo 3355 Secor Rd, Toledo, OH 43606 A+5.0 ★Texas Ratio: 3.22%	Conventional, FHA, VA, HELOC	168 +229 HELOCs	5.3%	66.9%	$99,523	View
Keybank National Association 10 offices in Toledo 3031 Collingwood Blvd, Toledo, OH 43610 A+5.0 ★Texas Ratio: 4.81%	Conventional, FHA, VA, HELOC	108 +18 HELOCs	3.4%	75.3%	$126,666	View
Directions Credit Union 1 Owens Corning Pkwy, Toledo, OH 43659 A+5.0 ★Texas Ratio: 3.08%	Conventional, HELOC	90 +81 HELOCs	2.8%	81.8%	$150,555	View
Citizens Bank, NA 4 offices in Toledo 5911 Lewis Ave, Toledo, OH 43612 A+5.0 ★Texas Ratio: 5.44%	Conventional, FHA, HELOC	47 +189 HELOCs	1.5%	83.9%	$130,744	View
JPMorgan Chase Bank, NA 1 office in Toledo 3301 Secor Rd, Toledo, OH 43606 A+5.0 ★Texas Ratio: 3.68%	Conventional, FHA, VA, HELOC	36 +2 HELOCs	1.1%	97.3%	$145,555	View
Wesbanco Bank, Inc. 1 office in Toledo 1707 Cherry St, Toledo, OH 43608 A+5.0 ★Texas Ratio: 3.87%	Conventional, FHA, HELOC	27 +11 HELOCs	0.8%	81.8%	$133,888	View
Waterford Bank, N.A. 3900 N Mccord Rd, Toledo, OH 43617 A+5.0 ★Texas Ratio: 5.33%	Conventional	13	0.4%	100%	$199,615	View
PNC Bank N.A. ★ 1.7 stars, 3 reviews 5 offices in Toledo 405 Madison Ave, Toledo, OH 43604 A+5.0 ★Texas Ratio: 4.24%	Conventional, VA, HELOC	11 +83 HELOCs	0.3%	84.6%	$156,818	View
Signature Bank, N.A. 1 office in Toledo 4607 W Sylvania Ave, Toledo, OH 43623 A+5.0 ★Texas Ratio: 5.37%	Conventional	9	0.3%	100%	$210,555	View
First Federal Savings and Loan Association of Delta 1 office in Toledo 3234 N Holland Sylvania Rd, Toledo, OH 43615 A+5.0 ★Texas Ratio: 0.00%	Conventional	3	0.1%	60%	$108,333	View
Sun Federal Credit Union 4760 Monroe St, Toledo, OH 43623 4348 A5.0 ★Texas Ratio: 6.81%	Conventional, HELOC	80 +42 HELOCs	2.5%	82.5%	$71,750	View
The Genoa Banking Company 202 N Summit Street, Toledo, OH 43604 A+5.0 ★Texas Ratio: 0.11%	Conventional	46	1.4%	93.2%	$145,000	View
US Bank, N.A. 528 S Main St, Ada, OH 45810 A+5.0 ★Texas Ratio: 2.85%	Conventional, FHA, HELOC	18 +3 HELOCs	0.6%	52.9%	$147,777	View
Civista Bank 529 N Cleveland Massillon Rd, Akron, OH 44333 A+5.0 ★Texas Ratio: 4.72%	Conventional, FHA, HELOC	18 +2 HELOCs	0.6%	100%	$177,222	View
Croghan Colonial Bank 1 Union Sq, Bellevue, OH 44811 A+5.0 ★Texas Ratio: 0.49%	Conventional	13	0.4%	86.7%	$155,769	View
Flagstar Bank NA 1 N Hawkins Ave, Akron, OH 44313 D3.3 ★Texas Ratio: 35.11%	Conventional, FHA, VA	11	0.3%	73.3%	$141,363	View
Glass City Federal Credit Union 1666 E Broadway St, Toledo, OH 43605 3817	Conventional	10	0.3%	83.3%	$176,000
The State Bank & Trust Company 1232 N Main St, Bowling Green, OH 43402 A+5.0 ★Texas Ratio: 1.99%	Conventional, FHA, HELOC	8 +6 HELOCs	0.3%	72.7%	$151,250	View
Buckeye State Bank 101 E Main St, Bainbridge, OH 45612 A+5.0 ★Texas Ratio: 1.93%	Conventional, FHA, VA	8	0.3%	100%	$156,250	View
First Federal S&L of Lakewood 36839 Detroit Rd, Avon, OH 44011 A+5.0 ★Texas Ratio: 4.66%	Conventional, HELOC	7 +2 HELOCs	0.2%	87.5%	$143,571	View
The Farmers & Merchants State Bank ★ 4 stars, 1 review 118 N Summit St, Toledo, OH 43611 A+5.0 ★Texas Ratio: 1.84%	Conventional	5	0.2%	55.6%	$113,000	View
Superior Credit Union, Inc. 5642 Airport Hwy, Toledo, OH 43615 A+5.0 ★Texas Ratio: 0.82%	Conventional, HELOC	4 +9 HELOCs	0.1%	80%	$87,500	View
Third Federal Savings and Loan 35592 Detroit Rd, Avon, OH 44011 A+5.0 ★Texas Ratio: 2.32%	Conventional, HELOC	4 +2 HELOCs	0.1%	66.7%	$55,000	View
Bank of America NA 3451 Center Rd, Brunswick, OH 44212 A+5.0 ★Texas Ratio: 4.14%	Conventional	3	0.1%	100%	$205,000	View
Wright Patt Credit Union Inc 1506 N Fairfield Rd, Beavercreek, OH 45432 2737 A5.0 ★Texas Ratio: 6.22%	Conventional	3	0.1%	100%	$91,666	View
First Financial Bank 2923 Smith Rd, Akron, OH 44333 A+5.0 ★Texas Ratio: 3.21%	Conventional, HELOC	2 +1 HELOCs	0.1%	50%	$60,000	View
First Commonwealth Bank 4200 Park Ave, Ashtabula, OH 44004 A+5.0 ★Texas Ratio: 3.82%	Conventional	2	0.1%	100%	$170,000	View
Union Savings Bank 1240 N Bridge Street, Chillicothe, OH 45601	Conventional	2	0.1%	100%	$145,000
First National Bank of Pandora 112 Cherry St, Bluffton, OH 45817 A+5.0 ★Texas Ratio: 2.48%	Conventional	2	0.1%	100%	$35,000	View
Valley Central Bank 6550 Princeton Glendale Rd, Liberty Township, OH 45011 A5.0 ★Texas Ratio: 8.10%	Conventional, FHA	2	0.1%	100%	$175,000	View
The Union Bank Company 1300 N Main St, Bowling Green, OH 43402 A+5.0 ★Texas Ratio: 0.68%	Conventional	2	0.1%	66.7%	$105,000	View
Fremont Federal Credit Union 1200 N Main St, Bowling Green, OH 43402 A+5.0 ★Texas Ratio: 4.36%	Conventional, HELOC	1 +1 HELOCs	0%	100%	$125,000	View
Seven Seventeen Credit Union 6460 Mahoning Ave, Austintown, OH 44515 2008 A5.0 ★Texas Ratio: 7.64%	Conventional	1	0%	100%	$275,000	View
First Federal Bank of Ohio 123 S Marion St, Cardington, OH 43315 A+5.0 ★Texas Ratio: 2.76%	Conventional	1	0%	100%	$35,000	View
BMI Federal Credit Union 760 Kinnear Rd, Columbus, OH 43212 1488 A+5.0 ★Texas Ratio: 3.12%	Conventional	1	0%	100%	$75,000	View
Kemba Financial Credit Union 1135 W Ohio Pike, Amelia, OH 45102 1240 A+5.0 ★Texas Ratio: 3.32%	Conventional	1	0%	50%	$45,000	View
Truist Bank ★ 1 stars, 1 review 9511 Kenwood Rd, Blue Ash, OH 45242 A+5.0 ★Texas Ratio: 2.87%	FHA	1	0%	100%	$195,000	View
First National Bank of PA 3296 W Market St, Akron, OH 44333 A+5.0 ★Texas Ratio: 1.62%	Conventional	1	0%	100%	$105,000	View
First Federal Community Bank 4737 Us Highway 62, Berlin, OH 44610 A+5.0 ★Texas Ratio: 0.68%	Conventional	1	0%	100%	$185,000	View
First Merchants Bank 3650 Olentangy River Rd Ste 100, Columbus, OH 43214 A+5.0 ★Texas Ratio: 4.12%	HELOC	0 +5 HELOCs	0%	n/a		View
Union Home Mortgage Corp.	Conventional, FHA, VA, HELOC	239 +16 HELOCs	7.5%	97.2%	$149,435
Equity Resources Inc	Conventional, FHA, VA, HELOC	126 +1 HELOCs	4%	89.4%	$156,666
CrossCountry Mortgage, LLC	Conventional, FHA, VA, HELOC	85 +1 HELOCs	2.7%	95.5%	$169,235
Go Mortgage, LLC	Conventional	5	0.2%	100%	$97,000
Liberty Home Mortgage Corp	Conventional, FHA	4	0.1%	66.7%	$155,000
The Equitable Mortgage Corporation	Conventional	2	0.1%	100%	$190,000
T2 Financial LLC	FHA	2	0.1%	100%	$205,000
Rapid Mortgage Company	Conventional	2	0.1%	100%	$195,000
Nations Lending Corporation	VA	1	0%	100%	$295,000
Rocket Mortgage	Conventional, FHA, VA	322	10.1%	75.9%	$127,732
United Wholesale Mortgage	Conventional, FHA, VA, HELOC	174 +1 HELOCs	5.5%	79.5%	$167,758
Click n' Close, Inc.	Conventional, FHA, VA	76	2.4%	95%	$185,921
Nfm, Inc	Conventional, FHA, VA	73	2.3%	97.3%	$156,369
loanDepot.com LLC	Conventional, FHA, VA, HELOC	72 +4 HELOCs	2.3%	63.3%	$127,916
Newrez LLC	Conventional, FHA, VA	72	2.3%	78.3%	$183,333
Mortgage Research Center	Conventional, FHA, VA	60	1.9%	67.4%	$177,500
Cmg Mortgage Inc	Conventional, FHA, VA, USDA, HELOC	57 +2 HELOCs	1.8%	96.8%	$187,631
Gvc Mortgage, Inc.	Conventional, FHA, VA	38	1.2%	100%	$165,526
Freedom Mortgage Corporation	Conventional, FHA, VA	35	1.1%	75.9%	$170,142
New American Funding, LLC.	Conventional, FHA, VA, HELOC	33 +1 HELOCs	1%	78.6%	$113,484
Nationstar Mortgage	Conventional, FHA, VA	29	0.9%	90.6%	$121,551
VanDyk Mortgage Corporation	Conventional, FHA, VA	28	0.9%	93.8%	$158,214
Navy Federal Credit Union A5.0 ★Texas Ratio: 8.14%	Conventional, VA, HELOC	27 +7 HELOCs	0.8%	71.1%	$174,259
Howard Hanna Financial Services, Inc	Conventional, FHA, VA	27	0.8%	100%	$164,629
Guaranteed Rate, Inc.	Conventional, FHA, VA	25	0.8%	83.3%	$155,400
Ark-La-Tex Financial Services LLC	Conventional, FHA, VA	24	0.8%	100%	$142,916
Pennymac Loan Services LLC	Conventional, FHA, VA	22	0.7%	67.6%	$173,636
Mortgage 1 Incorporated	Conventional, FHA	22	0.7%	100%	$102,272
Ruoff Mortgage Company	Conventional, FHA	21	0.7%	96%	$188,333
Everett Financial, Inc.	Conventional, FHA	18	0.6%	100%	$145,000
American Financial Network, Inc.	Conventional, FHA	17	0.5%	100%	$155,588
The Loan Store, Inc	Conventional, FHA, VA, HELOC	16 +3 HELOCs	0.5%	100%	$188,750
Amerisave Mortgage Company	Conventional, FHA	15	0.5%	18.2%	$81,000
Michigan Mutual, Inc	Conventional, FHA, VA	14	0.4%	90%	$117,857
Kind Lending, LLC	Conventional, FHA	12	0.4%	70%	$82,500
Triad Financial Services, Inc.	Conventional	11	0.3%	41.7%	$51,363
FirstTrust Home Loans	Conventional	9	0.3%	100%	$61,666
American Financing Corporation	Conventional, FHA, VA	9	0.3%	56.5%	$161,666
Wells Fargo Bank NA A+5.0 ★Texas Ratio: 5.36%	Conventional	9	0.3%	75%	$110,555	View
Zillow Home Loans, LLC	Conventional, FHA	9	0.3%	81.8%	$147,222
PHH Mortgage Corporation	Conventional, FHA, VA	8	0.3%	88.9%	$168,750
Ccf - Auburn Hills Branch	Conventional	8	0.3%	72.7%	$48,750
Mortgage Center LC	Conventional, FHA	8	0.3%	66.7%	$100,000
Lower, LLC	Conventional, VA	8	0.3%	81.8%	$152,500
Carrington Mortgage Services LLC	Conventional, FHA, VA	8	0.3%	34.2%	$127,500
Spring Eq, LLC	Conventional, HELOC	7 +2 HELOCs	0.2%	32.1%	$43,571
Royal United Mortgage LLC	Conventional, FHA	6	0.2%	46.7%	$71,666
Equity Prime Mortgage LLC	FHA, VA	6	0.2%	85.7%	$206,666
Churchill Mortgage Corporation	Conventional	6	0.2%	85.7%	$158,333
Endeavor Capital, LLC	Conventional, FHA	6	0.2%	100%	$190,000
Mutual of Omaha Mortgage	Conventional, FHA	6	0.2%	72.7%	$181,666
Sofi Bank, National Association A+5.0 ★Texas Ratio: 0.51%	Conventional, FHA	6	0.2%	75%	$90,000	View
Goodleap, LLC	FHA, VA, HELOC	5 +1 HELOCs	0.2%	60%	$123,000
AdvantageFirst Lending Inc	FHA, VA	5	0.2%	100%	$191,000
New Day Financial, LLC.	VA	5	0.2%	27.8%	$163,000
Planet Home Lending, LLC	Conventional, FHA, VA	5	0.2%	100%	$123,000
MMS Mortgage Services, Ltd.	Conventional	5	0.2%	100%	$145,000
Village Capital & Investment	VA	5	0.2%	63.6%	$247,000
Primelending	Conventional, FHA	4	0.1%	100%	$112,500
Gold Star Mortgage Financial Group, Corporation	Conventional, FHA, VA	4	0.1%	100%	$167,500
AmeriHome Mortgage Company, LLC	FHA, VA	4	0.1%	80%	$192,500
Movement Mortgage, LLC	Conventional	4	0.1%	83.3%	$137,500
Home Mortgage Alliance Corp (Hmac)	Conventional, FHA, VA	4	0.1%	100%	$120,000
Discover Bank	Conventional	4	0.1%	13.3%	$72,500
Usaa Federal Savings Bank B-3.5 ★Texas Ratio: 6.80%	Conventional, VA	4	0.1%	80%	$205,000	View
Geneva Financial LLC	Conventional	4	0.1%	100%	$80,000
Towne Mortgage Company	FHA	4	0.1%	100%	$175,000
Tlc Community Credit Union	Conventional, HELOC	3 +1 HELOCs	0.1%	75%	$125,000
First Western Trust Bank A+5.0 ★Texas Ratio: 5.16%	Conventional	3	0.1%	100%	$211,666	View
Lakeview Loan Servicing, LLC	FHA, VA	3	0.1%	35.7%	$225,000
Guidance Residential, LLC	Conventional	3	0.1%	100%	$211,666
Filo Mortgage, LLC	Conventional, FHA	3	0.1%	100%	$135,000
Synergy One Lending, Inc.	Conventional	3	0.1%	100%	$85,000
Highlands Residential Mortgage, Ltd.	Conventional, FHA	3	0.1%	100%	$258,333
Lake Michigan Credit Union	Conventional	3	0.1%	100%	$201,666
Fairway Independent Mort Corp	Conventional, FHA	3	0.1%	75%	$98,333
Msu Federal Credit Union	Conventional, HELOC	2 +1 HELOCs	0.1%	100%	$180,000
A&D Mortgage LLC A+5.0 ★Texas Ratio: 4.11%	Conventional	2	0.1%	100%	$165,000	View
Cornerstone First Mortgage, LLC	Conventional, FHA	2	0.1%	100%	$245,000
First Community Mortgage, Inc. A+5.0 ★Texas Ratio: 0.38%	Conventional, FHA	2	0.1%	100%	$185,000	View
American Financial Resources LLC	Conventional	2	0.1%	100%	$170,000
Resicentral LLC	Conventional	2	0.1%	100%	$135,000
Northpointe Bank A5.0 ★Texas Ratio: 8.47%	FHA	2	0.1%	100%	$230,000	View
Bayshore Mortgage Funding	Conventional	2	0.1%	100%	$90,000
Oceanside Mortgage Company	FHA	2	0.1%	66.7%	$120,000
ClearPath Lending	VA	2	0.1%	100%	$150,000
Monroe Community Credit Union	Conventional	2	0.1%	66.7%	$100,000
American Pacific Mortgage Corporation	FHA	2	0.1%	100%	$120,000
Barrington Bank & Trust Company, N.A. A+5.0 ★Texas Ratio: 2.20%	Conventional	2	0.1%	50%	$150,000	View
Three Rivers Federal Crediit U	Conventional	2	0.1%	66.7%	$85,000
Mission Loans, LLC	Conventional, FHA	2	0.1%	100%	$145,000
Mortgage Solutions of Colorado	VA	2	0.1%	66.7%	$185,000
Nations Direct Mortgage, LLC	Conventional	2	0.1%	100%	$215,000
21St Mortgage	Conventional	2	0.1%	12.5%	$55,000
Vanderbilt Mortgage and Finance, Inc	Conventional	2	0.1%	22.2%	$70,000
Reliance First Capital, LLC	FHA	2	0.1%	100%	$120,000
Plaza Home Mortgage, Inc	Conventional, VA	2	0.1%	50%	$175,000
The Mortgage Link, Inc.	Conventional, FHA	2	0.1%	100%	$140,000
Michigan First Credit Union	Conventional, HELOC	1 +1 HELOCs	0%	50%	$215,000
Polaris Home Funding Corp.	FHA	1	0%	100%	$175,000
Genisys Credit Union	Conventional, Jumbo	1	0%	100%	$995,000
Premier Mortgage Resources, LLC	Conventional	1	0%	100%	$105,000
Consumer Real Estate Finance Co DBA Society Mortgage	Conventional	1	0%	50%	$65,000
Residential Wholesale Mortgage	FHA	1	0%	100%	$185,000
Canopy Mortgage, LLC	FHA	1	0%	100%	$255,000
Sage Home Loans Corporation	Conventional	1	0%	100%	$485,000
Nbkc Bank	VA	1	0%	33.3%	$305,000
Orchard Mortgage, LLC	Conventional	1	0%	100%	$145,000
Allied Mortgage Group, Inc	FHA	1	0%	100%	$175,000
M&T Bank A+5.0 ★Texas Ratio: 4.11%	FHA	1	0%	33.3%	$85,000	View
United Trust Bank	FHA	1	0%	50%	$155,000
Bond Street Mortgage, LLC	FHA	1	0%	100%	$115,000
Deephaven Mortgage LLC	Conventional	1	0%	100%	$305,000
Guild Mortgage Company	FHA	1	0%	100%	$265,000
HomeXpress Mortgage Corp.	Conventional	1	0%	50%	$115,000
Obsidian Financial Services	Conventional	1	0%	100%	$55,000
MortgageCountry	Conventional	1	0%	100%	$165,000
First Alliance Home Mortgage, LLC	FHA	1	0%	100%	$175,000
Sun West Mortgage Company, Inc	VA	1	0%	50%	$165,000
Royal Pacific Funding	FHA	1	0%	100%	$75,000
Ally Bank A5.0 ★Texas Ratio: 8.00%	Conventional	1	0%	100%	$295,000	View
Security Credit Union	Conventional	1	0%	25%	$25,000
Justice Federal Credit Union	Conventional	1	0%	100%	$95,000
Shoreham Bank	FHA	1	0%	100%	$185,000
Credence Funding Corporation	VA	1	0%	100%	$285,000
Direct Mortgage Loans, LLC	FHA	1	0%	100%	$135,000
Mercantile Bank A+5.0 ★Texas Ratio: 0.63%	FHA	1	0%	100%	$55,000	View
First Western Federal Savings Bank A+5.0 ★Texas Ratio: 5.16%	Conventional	1	0%	100%	$65,000	View
Mit Federal Credit Union	Conventional	1	0%	100%	$285,000
Nexbank A-5.0 ★Texas Ratio: 14.93%	Conventional	1	0%	100%	$205,000	View
RoundPoint Mortgage Servicing LLC	Conventional	1	0%	100%	$145,000
Purdue Federal Cu	Conventional	1	0%	100%	$215,000
Victory Mortgage, LLC	Conventional	1	0%	100%	$135,000
Wescom Central Credit Union	Conventional	1	0%	100%	$85,000
Valley National Bank A+5.0 ★Texas Ratio: 5.76%	Conventional	1	0%	100%	$135,000	View
Magnolia Bank A-5.0 ★Texas Ratio: 14.97%	Conventional	1	0%	100%	$165,000	View
Ixonia Bank A+5.0 ★Texas Ratio: 2.14%	Conventional	1	0%	50%	$325,000	View
Mld Mortgage, Inc.Dba the Money Store	Conventional	1	0%	100%	$75,000
Compass Mortgage, Inc.	FHA	1	0%	100%	$65,000
Florida Capital Bank, N.A	Conventional	1	0%	100%	$285,000
Staunton Financial Inc	Conventional	1	0%	25%	$165,000
Thrivent Bank	Conventional	1	0%	100%	$15,000
The Federal Savings Bank B+4.8 ★Texas Ratio: 16.98%	FHA	1	0%	50%	$145,000	View
Paramount Residential Mortgage	FHA	1	0%	100%	$335,000
Plains Commerce Bank A5.0 ★Texas Ratio: 9.09%	Conventional	1	0%	100%	$265,000	View
Texana Bank	FHA	1	0%	100%	$65,000
Top Flite Financial, Inc.	FHA	1	0%	100%	$105,000
Tomo Mortgage LLC	Conventional	1	0%	100%	$115,000
Champions Funding, LLC	Conventional	1	0%	100%	$185,000
American Neighborhood Mortgage Acceptance Company	Conventional	1	0%	100%	$185,000
Figure Lending LLC	HELOC	0 +31 HELOCs	0%	n/a
Coastal Community Bank B4.5 ★Texas Ratio: 20.96%	HELOC	0 +26 HELOCs	0%	n/a		View
Lendage, LLC dba Achieve Loans	HELOC	0 +12 HELOCs	0%	n/a
HomeBridge Financial Services, Inc	HELOC	0 +3 HELOCs	0%	0%
Pentagon Federal Credit Union	HELOC	0 +2 HELOCs	0%	n/a
Alliant Credit Union A+5.0 ★Texas Ratio: 3.22%	HELOC	0 +1 HELOCs	0%	n/a		View
Old National Bank A+5.0 ★Texas Ratio: 4.98%	HELOC	0 +1 HELOCs	0%	n/a		View
Charles Schwab Bank, Ssb A+5.0 ★Texas Ratio: 0.14%	HELOC	0 +1 HELOCs	0%	n/a		View
Tower Federal Credit Union	HELOC	0 +1 HELOCs	0%	n/a
Quorum Federal Credit Union	HELOC	0 +1 HELOCs	0%	n/a
Citizens Equity First Credit U	HELOC	0 +1 HELOCs	0%	n/a
Credit Union One	HELOC	0 +1 HELOCs	0%	n/a
First American Bank A+5.0 ★Texas Ratio: 2.93%	HELOC	0 +1 HELOCs	0%	n/a		View

Lender counts and market shares come from 2025 federal HMDA loan data, the public record of mortgage applications and closings. Health grades: MonitorBankRates, rates as of Oct 8, 2026.

Toledo Mortgage Rate Trends

Daily average mortgage rates for Ohio compared with the national average, updated every evening.

30-Year Fixed OH Avg

7.439%

▲ 0.137 vs 7 days ago

15-Year Fixed OH Avg

6.765%

▲ 0.103 vs 7 days ago

Mortgage Lenders and Mortgage Brokers Near Me in Toledo, Ohio

Looking for mortgage lenders near me or mortgage brokers near me in Toledo? The list below shows the banks, credit unions and mortgage brokers that closed home loans in Toledo in 2025, with lenders based there listed first.

Types of Mortgage Lenders in Toledo, OH

Use these to narrow the list above. Each category shows how many Toledo, OH lenders fit and what that kind of lender is usually best for.

Mortgage companies and brokers 113 lenders. Nonbank lenders and brokers that shop several wholesale lenders; often the fastest closings Banks 61 lenders. Local and national banks with branches, portfolio and jumbo loans, and an MBR health grade Credit unions 30 lenders. Member owned, often lower fees and flexible underwriting for members FHA lenders 91 lenders. 3.5 percent down and credit scores into the 500s; the usual route for bad credit or low down payment buyers VA lenders 52 lenders. No down payment and no mortgage insurance for eligible veterans and service members USDA lenders 1 lenders. Zero down loans in eligible rural and suburban areas Jumbo lenders 1 lenders. Loans above the conforming limit for higher priced homes Local lenders based in OH 41 lenders headquartered in Ohio, the closest thing to a mortgage lender near you

Who Lends in Toledo, OH

Independent mortgage companies closed 62.9 percent of home loans in Toledo, Ohio in 2025, banks 29.2 percent and credit unions 8 percent. Union Home Mortgage Corp. was the largest mortgage company, Huntington National Bank the largest bank and Directions Credit Union the largest credit union. Among lenders headquartered in Ohio, Huntington National Bank led with 296 loans.

62.9%

Mortgage companies

29.2%

Banks

Credit unions

23%

FHA loans

VA loans

How to Read This List

A high approval share with a small median loan usually points to a lender comfortable with first time and FHA borrowers. A large median loan with conventional and jumbo programs points to a move up and jumbo specialist. The health grade says whether a bank or credit union is financially sound; it says nothing about service, which is what the reviews below are for.

Title or escrow companies usually handle closings in Ohio. State real property conveyance fee of $1 per $1,000 plus a permissive county fee of up to $3 per $1,000, for a total of up to $4 per $1,000 (0.4 percent), customarily paid by the seller; no mortgage recording tax.

More Ohio Mortgage Lender Pages

All Ohio lenders 868 lenders Columbus 360 lenders Cincinnati 249 lenders Cleveland 203 lenders Akron 189 lenders Delaware 201 lenders Dayton 172 lenders Hamilton 172 lenders Dublin 152 lenders Canton 127 lenders Parma 145 lenders Elyria 130 lenders Springfield 141 lenders

Frequently Asked Questions About Mortgage Lenders in Toledo, OH

Who is the largest mortgage lender in Toledo, OH?

By home loans closed in 2025, Huntington National Bank was the largest mortgage lender in Toledo, Ohio with 296 loans, about 9.3 percent of the market. Source: Home Mortgage Disclosure Act data for 2025, published by the FFIEC and CFPB.

Which mortgage lenders in Toledo, OH have the highest approval rates?

Among lenders with meaningful volume in Toledo, Ohio, Nfm, Inc approved the highest share of completed applications in 2025 at 97.3 percent, against a 77.6 percent average for all lenders. Approval share reflects the applicants a lender attracts as much as its underwriting, so compare it alongside loan programs and median loan size. Source: Home Mortgage Disclosure Act data for 2025, published by the FFIEC and CFPB.

Which Toledo, OH mortgage lenders offer FHA, VA and USDA loans?

91 lenders closed FHA loans in Toledo, Ohio in 2025, led by Rocket Mortgage with 106. 52 lenders closed VA loans, led by Mortgage Research Center, and 1 closed USDA rural loans. Use the FHA and VA filters above the table to see only those lenders; FHA loans allow 3.5 percent down and lower credit scores, VA loans need no down payment for eligible veterans. Source: Home Mortgage Disclosure Act data for 2025, published by the FFIEC and CFPB.

Are credit unions and local banks included in this Toledo, OH lender list?

Yes. 61 banks and 30 credit unions closed home loans in Toledo, Ohio in 2025, alongside 113 independent mortgage companies and brokers. Banks and credit unions carry a MonitorBankRates health grade. Mortgage companies are not deposit institutions, so they have no health grade; their HMDA figures and borrower reviews stand in. Source: Home Mortgage Disclosure Act data for 2025, published by the FFIEC and CFPB.

How are mortgage lenders in Toledo, OH ranked on this page?

Lenders are ranked only by the number of home loans they closed in Toledo, Ohio during 2025 as reported under the federal Home Mortgage Disclosure Act. No lender pays to be listed or to rank higher, and reviews do not change the order. Counts cover first and second lien loans on one to four unit homes for purchase, refinance and home improvement; home equity lines are counted separately.

Methodology and Sources

Lender rankings use the loan level records that lenders file under the Home Mortgage Disclosure Act, published by the FFIEC and the Consumer Financial Protection Bureau for the 2025 reporting year. Counts include originated first and subordinate lien loans on one to four unit homes in Toledo, Ohio for purchase, refinance and other purposes; home equity lines of credit are counted separately and reverse mortgages and business purpose loans are excluded. Approval share is originations plus approved but not accepted applications divided by all completed applications (withdrawn and incomplete files are excluded). Lender type comes from the lender's federal regulator and the FFIEC National Information Center. City figures use the Census tracts that make up Toledo. Health grades are MonitorBankRates data and are current as of the date shown. Lenders below the HMDA reporting thresholds do not appear. MonitorBankRates receives no payment for placement on this page. Last updated October 8, 2026.