Safe Rate Rankings
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| Rank | Lender | Overall | Pricing | Product | Pull Through | Place | Avg Fees | Rate Spread | # of Loans | Action |
|---|---|---|---|---|---|---|---|---|---|---|
1 | City National Bank of West VirginiaBank | Exceptional | Strong | Exceptional | Strong | Exceptional | $51Fees | 0.069%Below | 132 | |
2 | THE STATE CREDIT UNIONCredit Union | Exceptional | Exceptional | Sound | Exceptional | Strong | $250Fees | 0.339%Below | 30 | |
3 | WEST VIRGINIA FEDERAL CREDIT UNIONCredit Union | Exceptional | Exceptional | Sound | Exceptional | Strong | $409Fees | 0.206%Below | 28 | |
4 | The Huntington National BankBank | Exceptional | Strong | Exceptional | Strong | Strong | $524Fees | 0.377%Above | 48 | |
5 | Truist BankBank | Exceptional | Strong | Exceptional | Strong | Strong | $1,111Fees | 0.438%Above | 34 | |
6 | LOANDEPOT.COM, LLCIndependent Mortgage Company | Exceptional | Sound | Exceptional | Strong | Exceptional | $1,554Fees | 0.409%Above | 116 | |
7 | WesBanco Bank, Inc.Bank | Exceptional | Sound | Exceptional | Strong | Exceptional | $1,624Fees | 0.067%Above | 67 | |
8 | NAVY FEDERAL CREDIT UNIONCredit Union | Exceptional | Exceptional | Exceptional | Sound | Acceptable | $616Fees | 0.037%Above | 10 | |
9 | ROCKET MORTGAGE, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $2,863Fees | 0.554%Above | 160 | |
10 | JPMorgan Chase Bank, National AssociationBank | Strong | Sound | Exceptional | Strong | Strong | $1,941Fees | 0.385%Above | 32 | |
11 | Fifth Third Bank, National AssociationBank | Strong | Strong | Exceptional | Sound | Sound | $1,687Fees | 0.463%Above | 26 | |
12 | Gateway First BankBank | Strong | Acceptable | Exceptional | Strong | Exceptional | $1,821Fees | 0.631%Above | 153 | |
13 | PRIMELENDING, A PLAINSCAPITAL COMPANYIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Exceptional | $1,905Fees | 0.433%Above | 84 | |
14 | UNITED WHOLESALE MORTGAGE, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | Strong | $2,303Fees | 0.810%Above | 47 | |
15 | VICTORIAN FINANCE, LLCIndependent Mortgage Company | Strong | Acceptable | Strong | Strong | Exceptional | $1,754Fees | 0.165%Above | 80 | |
16 | GUARANTEED RATE, INC.Independent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $2,352Fees | 0.970%Above | 59 | |
17 | MOVEMENT MORTGAGE, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $2,418Fees | 0.563%Above | 51 | |
18 | CROSSCOUNTRY MORTGAGE, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $3,493Fees | 1.078%Above | 46 | |
19 | United BankBank | Strong | Sound | Strong | Strong | Sound | $1,271Fees | 0.208%Above | 19 | |
20 | Burke & Herbert Bank & Trust CompanyBank | Strong | Strong | Sound | Sound | Sound | $1,185Fees | 0.019%Above | 11 | |
21 | HOMESPIRE MORTGAGE CORPORATIONIndependent Mortgage Company | Strong | Acceptable | Strong | Strong | Strong | $2,772Fees | 0.545%Above | 33 | |
22 | STOCKTON MORTGAGE CORPORATIONIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Sound | $2,343Fees | 0.815%Above | 12 | |
23 | SUCCESS MORTGAGE PARTNERS, INC.Independent Mortgage Company | Sound | Mediocre | Strong | Sound | Strong | $3,147Fees | 1.100%Above | 36 | |
24 | ROYAL UNITED MORTGAGE LLCIndependent Mortgage Company | Sound | Mediocre | Strong | Strong | Sound | $2,205Fees | 1.700%Above | 10 |
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.