Our rankings are earned, not bought. We analyze 2,347 lenders using federal HMDA data—no pay-to-play, no cherry-picking. You see the best options based on performance metrics, not advertising dollars.
Safe Rate Rankings
| Rank | Lender | Overall | Pricing | Pull Through | Place | Avg Fees | Spread | Volume | Action |
|---|---|---|---|---|---|---|---|---|---|
1 | City National Bank of West Virginia | Exceptional | Strong | Strong | Exceptional | $51 | -0.069% | 132 | |
2 | WEST VIRGINIA FEDERAL CREDIT UNION | Exceptional | Exceptional | Sound | Strong | $409 | -0.206% | 28 | |
3 | The Huntington National Bank | Strong | Strong | Strong | Strong | $524 | +0.377% | 48 | |
4 | Truist Bank | Strong | Strong | Strong | Strong | $1,111 | +0.438% | 34 | |
5 | THE STATE CREDIT UNION | Strong | Exceptional | Acceptable | Strong | $250 | -0.339% | 30 | |
6 | LOANDEPOT.COM, LLC | Strong | Sound | Strong | Exceptional | $1,554 | +0.409% | 116 | |
7 | WesBanco Bank, Inc. | Strong | Sound | Strong | Exceptional | $1,624 | +0.067% | 67 | |
8 | UNITED WHOLESALE MORTGAGE, LLC | Strong | Sound | Exceptional | Strong | $2,303 | +0.810% | 47 | |
9 | Fifth Third Bank, National Association | Strong | Strong | Strong | Sound | $1,687 | +0.463% | 26 | |
10 | ROCKET MORTGAGE, LLC | Strong | Acceptable | Exceptional | Exceptional | $2,863 | +0.554% | 160 | |
11 | PRIMELENDING, A PLAINSCAPITAL COMPANY | Strong | Acceptable | Exceptional | Exceptional | $1,905 | +0.433% | 84 | |
12 | GUARANTEED RATE, INC. | Strong | Sound | Strong | Strong | $2,352 | +0.970% | 59 | |
13 | JPMorgan Chase Bank, National Association | Strong | Sound | Strong | Strong | $1,941 | +0.385% | 32 | |
14 | Gateway First Bank | Strong | Acceptable | Strong | Exceptional | $1,821 | +0.631% | 153 | |
15 | VICTORIAN FINANCE, LLC | Strong | Acceptable | Strong | Exceptional | $1,754 | +0.165% | 80 | |
16 | MOVEMENT MORTGAGE, LLC | Strong | Acceptable | Exceptional | Strong | $2,418 | +0.563% | 51 | |
17 | HOMESPIRE MORTGAGE CORPORATION | Strong | Acceptable | Exceptional | Strong | $2,772 | +0.545% | 33 | |
18 | Mortgage Research Center, LLC | Strong | Acceptable | Strong | Strong | -$600 | +0.585% | 69 | |
19 | CROSSCOUNTRY MORTGAGE, LLC | Strong | Acceptable | Strong | Strong | $3,493 | +1.078% | 46 | |
20 | SUCCESS MORTGAGE PARTNERS, INC. | Sound | Mediocre | Strong | Strong | $3,147 | +1.100% | 36 |
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.
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