Safe Rate Rankings
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| Rank | Lender | Overall | Pricing | Pull Through | Place | Avg Fees | Rate Spread | # of Loans | Action |
|---|---|---|---|---|---|---|---|---|---|
1 | The Huntington National BankBank | Exceptional | Strong | Strong | Exceptional | $609Fees | 0.477%Above | 601 | |
2 | First Commonwealth BankBank | Strong | Strong | Strong | Strong | $844Fees | 0.255%Above | 73 | |
3 | Citizens Bank, National AssociationBank | Strong | Strong | Strong | Strong | $1,124Fees | 0.271%Above | 71 | |
4 | Fifth Third Bank, National AssociationBank | Strong | Strong | Strong | Strong | $1,115Fees | 0.465%Above | 61 | |
5 | PNC Bank, National AssociationBank | Strong | Strong | Strong | Strong | $57Fees | 0.124%Above | 55 | |
6 | KeyBank National AssociationBank | Strong | Strong | Strong | Strong | $1,763Fees | 0.146%Above | 51 | |
7 | NAVY FEDERAL CREDIT UNIONCredit Union | Strong | Exceptional | Sound | Sound | $696Fees | 0.597%Below | 23 | |
8 | UNITED WHOLESALE MORTGAGE, LLCIndependent Mortgage Company | Strong | Sound | Exceptional | Strong | $2,737Fees | 0.156%Above | 82 | |
9 | U.S. Bank National AssociationBank | Strong | Strong | Strong | Sound | $1,332Fees | 0.372%Above | 25 | |
10 | Third Federal Savings and Loan Association of ClevelandBank | Strong | Strong | Strong | Sound | $533Fees | 0.183%Above | 22 | |
11 | ROCKET MORTGAGE, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | $3,241Fees | 0.534%Above | 494 | |
12 | FAIRWAY INDEPENDENT MORTGAGE CORPORATIONIndependent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | $2,725Fees | 0.497%Above | 220 | |
13 | JPMorgan Chase Bank, National AssociationBank | Strong | Sound | Strong | Strong | $1,998Fees | 0.434%Above | 122 | |
14 | GUARANTEED RATE, INC.Independent Mortgage Company | Strong | Sound | Strong | Strong | $2,035Fees | 0.376%Above | 103 | |
15 | The Farmers National Bank of CanfieldBank | Strong | Sound | Strong | Strong | $1,026Fees | 0.445%Above | 68 | |
16 | CANTON SCHOOL EMPLOYEES Federal Credit UnionCredit Union | Strong | Strong | Acceptable | Strong | $1,408Fees | 0.262%Above | 38 | |
17 | CROSSCOUNTRY MORTGAGE, LLCIndependent Mortgage Company | Strong | Acceptable | Strong | Exceptional | $3,811Fees | 0.838%Above | 680 | |
18 | UNION HOME MORTGAGE CORP.Independent Mortgage Company | Strong | Acceptable | Exceptional | Strong | $4,093Fees | 0.915%Above | 74 | |
19 | Nations Lending CorporationIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | $2,293Fees | 0.630%Above | 69 | |
20 | NFM, INC.Independent Mortgage Company | Strong | Acceptable | Exceptional | Strong | $3,333Fees | 0.784%Above | 51 | |
21 | MUTUAL OF OMAHA MORTGAGE, INC.Independent Mortgage Company | Strong | Sound | Sound | Strong | $2,527Fees | 0.741%Above | 49 | |
22 | RUOFF MORTGAGE COMPANY, INC.Independent Mortgage Company | Strong | Sound | Strong | Sound | $3,409Fees | 0.498%Above | 35 | |
23 | LOANDEPOT.COM, LLCIndependent Mortgage Company | Strong | Sound | Strong | Sound | $2,414Fees | 0.697%Above | 33 | |
24 | Premier BankBank | Strong | Sound | Strong | Sound | $798Fees | 0.329%Above | 27 | |
25 | FREEDOM MORTGAGE CORPORATIONIndependent Mortgage Company | Strong | Sound | Strong | Sound | $3,558Fees | 0.590%Above | 23 | |
26 | PENNYMAC LOAN SERVICES, LLCIndependent Mortgage Company | Strong | Sound | Strong | Sound | $1,343Fees | 0.097%Above | 20 | |
27 | MYCUMORTGAGE, LLCIndependent Mortgage Company | Strong | Sound | Sound | Sound | $1,081Fees | 0.883%Above | 25 | |
28 | POLARIS HOME FUNDING CORP.Independent Mortgage Company | Sound | Mediocre | Strong | Exceptional | $3,764Fees | 0.777%Above | 133 | |
29 | GVC MORTGAGE, INC.Independent Mortgage Company | Sound | Mediocre | Exceptional | Strong | $2,518Fees | 0.754%Above | 116 | |
30 | NEWREZ LLCIndependent Mortgage Company | Sound | Acceptable | Sound | Strong | $1,663Fees | 0.256%Above | 46 | |
31 | Synergy One Lending, Inc.Independent Mortgage Company | Sound | Acceptable | Strong | Sound | $3,389Fees | 0.420%Above | 37 | |
32 | HOWARD HANNA FINANCIAL SERVICES, INC.Independent Mortgage Company | Sound | Acceptable | Strong | Sound | $2,326Fees | 0.466%Above | 30 | |
33 | NATIONSTAR MORTGAGE LLCIndependent Mortgage Company | Sound | Acceptable | Strong | Sound | $4,497Fees | 0.438%Above | 29 | |
34 | Flagstar Bank, N.A.Bank | Sound | Acceptable | Strong | Sound | $2,691Fees | 0.787%Above | 29 | |
35 | LIBERTY HOME MORTGAGE CORPORATIONIndependent Mortgage Company | Sound | Mediocre | Sound | Sound | $3,965Fees | 0.899%Above | 30 | |
36 | NEW DAY FINANCIAL, LLCIndependent Mortgage Company | Sound | Mediocre | Acceptable | Sound | $3,646Fees | 0.944%Above | 20 |
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.