Safe Rate Rankings
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| Rank | Lender | Overall | Pricing | Product | Pull Through | Place | Avg Fees | Rate Spread | # of Loans | Action |
|---|---|---|---|---|---|---|---|---|---|---|
1 | The Huntington National BankBank | Exceptional | Strong | Exceptional | Strong | Exceptional | $450Fees | 0.501%Above | 687 | |
2 | Third Federal Savings and Loan Association of ClevelandBank | Exceptional | Strong | Exceptional | Strong | Exceptional | $778Fees | 0.160%Above | 202 | |
3 | KeyBank National AssociationBank | Exceptional | Strong | Exceptional | Strong | Strong | $1,729Fees | 0.019%Above | 75 | |
4 | PNC Bank, National AssociationBank | Exceptional | Strong | Exceptional | Strong | Strong | $51Fees | 0.192%Above | 69 | |
5 | U.S. Bank National AssociationBank | Exceptional | Strong | Exceptional | Strong | Strong | $801Fees | 0.536%Above | 64 | |
6 | NAVY FEDERAL CREDIT UNIONCredit Union | Exceptional | Exceptional | Exceptional | Sound | Sound | $977Fees | 0.410%Below | 45 | |
7 | RUOFF MORTGAGE COMPANY, INC.Independent Mortgage Company | Exceptional | Sound | Exceptional | Strong | Exceptional | $2,189Fees | 0.392%Above | 239 | |
8 | Fifth Third Bank, National AssociationBank | Exceptional | Strong | Exceptional | Sound | Strong | $741Fees | 0.424%Above | 159 | |
9 | Citizens Bank, National AssociationBank | Exceptional | Strong | Exceptional | Sound | Strong | $1,554Fees | 0.101%Above | 104 | |
10 | First Federal Savings and Loan Association of LakewoodBank | Exceptional | Strong | Strong | Strong | Strong | $1,059Fees | 0.199%Above | 93 | |
11 | Seven Seventeen Credit UnionCredit Union | Exceptional | Strong | Strong | Strong | Strong | $1,664Fees | 0.063%Above | 49 | |
12 | First National Bank of PennsylvaniaBank | Exceptional | Strong | Exceptional | Strong | Sound | $1,123Fees | 0.082%Above | 46 | |
13 | ROCKET MORTGAGE, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $3,596Fees | 0.482%Above | 763 | |
14 | UNITED WHOLESALE MORTGAGE, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $2,447Fees | 0.279%Above | 259 | |
15 | JPMorgan Chase Bank, National AssociationBank | Strong | Sound | Exceptional | Strong | Strong | $2,082Fees | 0.310%Above | 200 | |
16 | First Commonwealth BankBank | Strong | Sound | Exceptional | Strong | Strong | $1,288Fees | 0.134%Above | 92 | |
17 | First Financial BankBank | Strong | Sound | Exceptional | Strong | Strong | $1,576Fees | 0.361%Above | 41 | |
18 | Independent BankBank | Strong | Strong | Strong | Strong | Sound | $882Fees | 0.079%Above | 23 | |
19 | Wells Fargo Bank, National AssociationBank | Strong | Strong | Exceptional | Sound | Sound | $2,012Fees | 0.028%Above | 23 | |
20 | Civista BankBank | Strong | Strong | Strong | Strong | Sound | $922Fees | 0.012%Above | 22 | |
21 | CROSSCOUNTRY MORTGAGE, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Exceptional | $3,564Fees | 0.710%Above | 987 | |
22 | FAIRWAY INDEPENDENT MORTGAGE CORPORATIONIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Exceptional | $2,573Fees | 0.412%Above | 358 | |
23 | HOWARD HANNA FINANCIAL SERVICES, INC.Independent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Exceptional | $2,390Fees | 0.304%Above | 267 | |
24 | Nations Lending CorporationIndependent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | Strong | $3,066Fees | 0.429%Above | 91 | |
25 | Premier BankBank | Strong | Sound | Strong | Strong | Strong | $1,518Fees | 0.287%Above | 57 | |
26 | MUTUAL OF OMAHA MORTGAGE, INC.Independent Mortgage Company | Strong | Strong | Strong | Sound | Sound | $2,446Fees | 0.493%Above | 43 | |
27 | WEST PENN FINANCIAL SERVICE CENTER, INC.Independent Mortgage Company | Strong | Sound | Strong | Strong | Strong | $2,300Fees | 0.418%Above | 42 | |
28 | LOANDEPOT.COM, LLCIndependent Mortgage Company | Strong | Sound | Exceptional | Strong | Sound | $2,916Fees | 0.685%Above | 41 | |
29 | Union Savings BankBank | Strong | Sound | Exceptional | Strong | Sound | $976Fees | 0.082%Above | 22 | |
30 | ARK-LA-TEX FINANCIAL SERVICES, LLC.Independent Mortgage Company | Strong | Sound | Exceptional | Strong | Sound | $1,739Fees | 0.380%Above | 18 | |
31 | UNION HOME MORTGAGE CORP.Independent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $3,830Fees | 0.835%Above | 173 | |
32 | Synergy One Lending, Inc.Independent Mortgage Company | Strong | Acceptable | Strong | Strong | Exceptional | $3,095Fees | 0.554%Above | 172 | |
33 | GUARANTEED RATE, INC.Independent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $2,444Fees | 0.277%Above | 126 | |
34 | PENNYMAC LOAN SERVICES, LLCIndependent Mortgage Company | Strong | Sound | Exceptional | Sound | Sound | $1,160Fees | 0.012%Above | 44 | |
35 | The Farmers National Bank of CanfieldBank | Strong | Sound | Strong | Strong | Sound | $1,082Fees | 0.223%Above | 28 | |
36 | Dollar Bank, Federal Savings BankBank | Strong | Sound | Strong | Strong | Sound | $588Fees | 0.282%Above | 22 | |
37 | Alcova Mortgage LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | Sound | $2,458Fees | 0.689%Above | 18 | |
38 | UNION CAPITAL MORTGAGE CORPORATIONIndependent Mortgage Company | Strong | Acceptable | Strong | Strong | Strong | $2,315Fees | 0.430%Above | 67 | |
39 | NATIONSTAR MORTGAGE LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Sound | $3,251Fees | 0.579%Above | 50 | |
40 | FREEDOM MORTGAGE CORPORATIONIndependent Mortgage Company | Strong | Sound | Strong | Sound | Sound | $2,177Fees | 0.278%Above | 50 | |
41 | Flagstar Bank, N.A.Bank | Strong | Acceptable | Exceptional | Strong | Sound | $2,333Fees | 0.699%Above | 45 | |
42 | GVC MORTGAGE, INC.Independent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Sound | $2,711Fees | 0.638%Above | 38 | |
43 | GUILD MORTGAGE COMPANY LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Sound | $2,923Fees | 0.690%Above | 36 | |
44 | GoodLeap, LLCIndependent Mortgage Company | Strong | Sound | Strong | Sound | Sound | $3,931Fees | 0.414%Above | 25 | |
45 | GOLD STAR MORTGAGE FINANCIAL GROUP, CORPORATIONIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Sound | $4,131Fees | 0.915%Above | 24 | |
46 | PRIMELENDING, A PLAINSCAPITAL COMPANYIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Sound | $2,911Fees | 0.681%Above | 22 | |
47 | LOWER, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Sound | $1,797Fees | 0.409%Above | 22 | |
48 | Mortgage Research Center, LLCIndependent Mortgage Company | Strong | Acceptable | Strong | Sound | Strong | $708Credit | 0.514%Above | 145 | |
49 | NEWREZ LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Sound | Sound | $2,301Fees | 0.632%Above | 49 | |
50 | NEW AMERICAN FUNDING, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Sound | Sound | $3,229Fees | 0.808%Above | 38 |
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.
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.