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 | $609Fees | 0.477%Above | 601 | |
2 | PNC Bank, National AssociationBank | Exceptional | Strong | Exceptional | Strong | Strong | $57Fees | 0.124%Above | 55 | |
3 | KeyBank National AssociationBank | Exceptional | Strong | Exceptional | Strong | Strong | $1,763Fees | 0.146%Above | 51 | |
4 | NAVY FEDERAL CREDIT UNIONCredit Union | Exceptional | Exceptional | Exceptional | Sound | Sound | $696Fees | 0.597%Below | 23 | |
5 | Citizens Bank, National AssociationBank | Exceptional | Strong | Exceptional | Sound | Strong | $1,124Fees | 0.271%Above | 71 | |
6 | Fifth Third Bank, National AssociationBank | Exceptional | Strong | Exceptional | Sound | Strong | $1,115Fees | 0.465%Above | 61 | |
7 | U.S. Bank National AssociationBank | Exceptional | Strong | Exceptional | Strong | Sound | $1,332Fees | 0.372%Above | 25 | |
8 | Third Federal Savings and Loan Association of ClevelandBank | Exceptional | Strong | Exceptional | Strong | Sound | $533Fees | 0.183%Above | 22 | |
9 | ROCKET MORTGAGE, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $3,241Fees | 0.534%Above | 494 | |
10 | JPMorgan Chase Bank, National AssociationBank | Strong | Sound | Exceptional | Strong | Strong | $1,998Fees | 0.434%Above | 122 | |
11 | First Commonwealth BankBank | Strong | Sound | Exceptional | Strong | Strong | $844Fees | 0.255%Above | 73 | |
12 | MUTUAL OF OMAHA MORTGAGE, INC.Independent Mortgage Company | Strong | Strong | Strong | Sound | Strong | $2,527Fees | 0.741%Above | 49 | |
13 | Wells Fargo Bank, National AssociationBank | Strong | Strong | Exceptional | Sound | Sound | $2,038Fees | 0.172%Above | 18 | |
14 | Seven Seventeen Credit UnionCredit Union | Strong | Strong | Strong | Strong | Sound | $1,258Fees | 0.132%Below | 13 | |
15 | CROSSCOUNTRY MORTGAGE, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Exceptional | $3,811Fees | 0.838%Above | 680 | |
16 | FAIRWAY INDEPENDENT MORTGAGE CORPORATIONIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Exceptional | $2,725Fees | 0.497%Above | 220 | |
17 | UNITED WHOLESALE MORTGAGE, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | Strong | $2,737Fees | 0.156%Above | 82 | |
18 | Nations Lending CorporationIndependent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | Strong | $2,293Fees | 0.630%Above | 69 | |
19 | The Farmers National Bank of CanfieldBank | Strong | Sound | Strong | Strong | Strong | $1,026Fees | 0.445%Above | 68 | |
20 | RUOFF MORTGAGE COMPANY, INC.Independent Mortgage Company | Strong | Sound | Exceptional | Strong | Sound | $3,409Fees | 0.498%Above | 35 | |
21 | LOANDEPOT.COM, LLCIndependent Mortgage Company | Strong | Sound | Exceptional | Strong | Sound | $2,414Fees | 0.697%Above | 33 | |
22 | GVC MORTGAGE, INC.Independent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $2,518Fees | 0.754%Above | 116 | |
23 | GUARANTEED RATE, INC.Independent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $2,035Fees | 0.376%Above | 103 | |
24 | UNION HOME MORTGAGE CORP.Independent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $4,093Fees | 0.915%Above | 74 | |
25 | CANTON SCHOOL EMPLOYEES Federal Credit UnionCredit Union | Strong | Strong | Acceptable | Sound | Strong | $1,408Fees | 0.262%Above | 38 | |
26 | Premier BankBank | Strong | Sound | Strong | Strong | Sound | $798Fees | 0.329%Above | 27 | |
27 | PENNYMAC LOAN SERVICES, LLCIndependent Mortgage Company | Strong | Sound | Exceptional | Sound | Sound | $1,343Fees | 0.097%Above | 20 | |
28 | WEST PENN FINANCIAL SERVICE CENTER, INC.Independent Mortgage Company | Strong | Sound | Strong | Strong | Sound | $2,846Fees | 0.296%Above | 12 | |
29 | NEWREZ LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Sound | Strong | $1,663Fees | 0.256%Above | 46 | |
30 | HOWARD HANNA FINANCIAL SERVICES, INC.Independent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Sound | $2,326Fees | 0.466%Above | 30 | |
31 | NATIONSTAR MORTGAGE LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Sound | $4,497Fees | 0.438%Above | 29 | |
32 | Flagstar Bank, N.A.Bank | Strong | Acceptable | Exceptional | Strong | Sound | $2,691Fees | 0.787%Above | 29 | |
33 | FREEDOM MORTGAGE CORPORATIONIndependent Mortgage Company | Strong | Sound | Strong | Sound | Sound | $3,558Fees | 0.590%Above | 23 | |
34 | LOWER, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Sound | $2,379Fees | 0.578%Above | 17 | |
35 | GoodLeap, LLCIndependent Mortgage Company | Strong | Sound | Strong | Sound | Sound | $3,634Fees | 0.245%Above | 16 | |
36 | Merchants Bank of IndianaBank | Strong | Sound | Strong | Sound | Sound | $1,727Fees | 0.256%Above | 11 | |
37 | POLARIS HOME FUNDING CORP.Independent Mortgage Company | Strong | Mediocre | Strong | Strong | Exceptional | $3,764Fees | 0.777%Above | 133 | |
38 | NFM, INC.Independent Mortgage Company | Strong | Mediocre | Exceptional | Strong | Strong | $3,333Fees | 0.784%Above | 51 | |
39 | Synergy One Lending, Inc.Independent Mortgage Company | Strong | Acceptable | Strong | Strong | Sound | $3,389Fees | 0.420%Above | 37 | |
40 | NEW AMERICAN FUNDING, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Sound | Sound | $3,137Fees | 1.212%Above | 19 | |
41 | USAA Federal Savings BankBank | Strong | Sound | Strong | Acceptable | Sound | $1,213Fees | 0.028%Above | 14 | |
42 | THE LOAN STORE, INC.Independent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Acceptable | $2,517Fees | 0.289%Above | 10 | |
43 | RESICENTRAL, LLCIndependent Mortgage Company | Strong | Sound | Strong | Sound | Acceptable | $1,264Fees | 0.205%Above | 10 | |
44 | Ixonia BankBank | Sound | Mediocre | Exceptional | Strong | Sound | $2,479Fees | 1.185%Above | 15 | |
45 | ZILLOW HOME LOANS, LLCIndependent Mortgage Company | Sound | Acceptable | Strong | Sound | Sound | $2,818Fees | 1.008%Above | 11 | |
46 | REPUBLIC STATE MORTGAGE CO.Independent Mortgage Company | Sound | Acceptable | Sound | Sound | Sound | $1,005Fees | 0.652%Above | 14 | |
47 | PREMIER LENDING, INC.Independent Mortgage Company | Sound | Mediocre | Sound | Strong | Sound | $4,308Fees | 0.558%Above | 18 |
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.