Safe Rate Rankings
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| Rank | Lender | Overall | Pricing | Product | Pull Through | Place | Avg Fees | Rate Spread | # of Loans | Action |
|---|---|---|---|---|---|---|---|---|---|---|
1 | WRIGHT-PATT CREDIT UNION, INC.Credit Union | Exceptional | Exceptional | Exceptional | Strong | Exceptional | $143Fees | 0.486%Below | 243 | |
2 | VICTORY MORTGAGE, L.L.C.Independent Mortgage Company | Exceptional | Exceptional | Strong | Strong | Exceptional | $708Fees | 0.053%Below | 973 | |
3 | The Huntington National BankBank | Exceptional | Strong | Exceptional | Strong | Exceptional | $245Credit | 0.321%Above | 1,145 | |
4 | U.S. Bank National AssociationBank | Exceptional | Strong | Exceptional | Strong | Exceptional | $1,107Fees | 0.239%Above | 604 | |
5 | LCNB National BankBank | Exceptional | Exceptional | Strong | Sound | Exceptional | $791Fees | 0.084%Above | 556 | |
6 | Third Federal Savings and Loan Association of ClevelandBank | Exceptional | Strong | Exceptional | Strong | Exceptional | $563Fees | 0.005%Below | 258 | |
7 | NAVY FEDERAL CREDIT UNIONCredit Union | Exceptional | Exceptional | Exceptional | Sound | Strong | $642Fees | 0.524%Below | 148 | |
8 | Fifth Third Bank, National AssociationBank | Exceptional | Strong | Exceptional | Sound | Exceptional | $297Fees | 0.257%Above | 808 | |
9 | PNC Bank, National AssociationBank | Exceptional | Strong | Exceptional | Strong | Strong | $354Credit | 0.268%Above | 208 | |
10 | Truist BankBank | Exceptional | Strong | Exceptional | Strong | Strong | $1,922Fees | 0.285%Above | 93 | |
11 | Bank of America, National AssociationBank | Exceptional | Strong | Exceptional | Strong | Strong | $1,719Fees | 0.090%Below | 77 | |
12 | Union Savings BankBank | Exceptional | Sound | Exceptional | Strong | Exceptional | $1,029Fees | 0.164%Above | 1,185 | |
13 | JPMorgan Chase Bank, National AssociationBank | Exceptional | Sound | Exceptional | Strong | Exceptional | $1,625Fees | 0.169%Above | 448 | |
14 | FIRST EQUITY MORTGAGE INCORPORATEDIndependent Mortgage Company | Exceptional | Strong | Strong | Sound | Exceptional | $859Fees | 0.281%Above | 429 | |
15 | RUOFF MORTGAGE COMPANY, INC.Independent Mortgage Company | Exceptional | Sound | Exceptional | Strong | Exceptional | $1,642Fees | 0.357%Above | 373 | |
16 | First Financial BankBank | Exceptional | Sound | Exceptional | Strong | Exceptional | $1,452Fees | 0.517%Above | 326 | |
17 | Civista BankBank | Exceptional | Strong | Strong | Strong | Strong | $611Fees | 0.111%Above | 147 | |
18 | Wells Fargo Bank, National AssociationBank | Exceptional | Strong | Exceptional | Sound | Strong | $2,148Fees | 0.127%Above | 79 | |
19 | UNITED WHOLESALE MORTGAGE, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $2,474Fees | 0.297%Above | 2,016 | |
20 | ROCKET MORTGAGE, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $3,810Fees | 0.380%Above | 1,980 | |
21 | Guardian Savings BankBank | Strong | Sound | Strong | Strong | Exceptional | $1,159Fees | 0.160%Above | 765 | |
22 | GENERAL ELECTRIC CREDIT UNIONCredit Union | Strong | Strong | Sound | Sound | Exceptional | $860Fees | 0.051%Above | 297 | |
23 | RiverHills BankBank | Strong | Strong | Sound | Sound | Exceptional | $1,400Fees | 0.270%Above | 248 | |
24 | LOANDEPOT.COM, LLCIndependent Mortgage Company | Strong | Sound | Exceptional | Strong | Strong | $3,185Fees | 0.404%Above | 202 | |
25 | Warsaw Federal Savings and Loan AssociationBank | Strong | Strong | Sound | Sound | Exceptional | $807Fees | 0.239%Above | 196 | |
26 | 1st National BankBank | Strong | Strong | Sound | Sound | Exceptional | $1,203Fees | 0.280%Above | 186 | |
27 | SIBCY CLINE MORTGAGE SERVICES, INC.Independent Mortgage Company | Strong | Strong | Sound | Sound | Exceptional | $1,521Fees | 0.207%Above | 161 | |
28 | WesBanco Bank, Inc.Bank | Strong | Sound | Exceptional | Strong | Strong | $1,580Fees | 0.225%Above | 95 | |
29 | Republic Bank & Trust CompanyBank | Strong | Strong | Strong | Sound | Strong | $859Fees | 0.165%Above | 83 | |
30 | MUTUAL OF OMAHA MORTGAGE, INC.Independent Mortgage Company | Strong | Strong | Strong | Sound | Strong | $2,184Fees | 0.211%Above | 76 | |
31 | CROSSCOUNTRY MORTGAGE, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Exceptional | $3,830Fees | 0.661%Above | 882 | |
32 | GUARANTEED RATE, INC.Independent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Exceptional | $2,390Fees | 0.237%Above | 858 | |
33 | FIRST COMMUNITY MORTGAGE, INC.Independent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Exceptional | $3,118Fees | 0.477%Above | 687 | |
34 | UNION HOME MORTGAGE CORP.Independent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Exceptional | $2,543Fees | 0.601%Above | 625 | |
35 | STOCKTON MORTGAGE CORPORATIONIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Exceptional | $2,865Fees | 0.419%Above | 616 | |
36 | FAIRWAY INDEPENDENT MORTGAGE CORPORATIONIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Exceptional | $3,231Fees | 0.618%Above | 488 | |
37 | DAS Acquisition Company, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Exceptional | $4,016Fees | 0.652%Above | 326 | |
38 | PENNYMAC LOAN SERVICES, LLCIndependent Mortgage Company | Strong | Sound | Exceptional | Sound | Strong | $1,354Fees | 0.084%Above | 155 | |
39 | Heartland BankBank | Strong | Strong | Sound | Sound | Strong | $1,050Fees | 0.243%Above | 115 | |
40 | GUARANTEED RATE AFFINITY, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Sound | Exceptional | $2,531Fees | 0.457%Above | 396 | |
41 | LOWER, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $2,303Fees | 0.529%Above | 270 | |
42 | FREEDOM MORTGAGE CORPORATIONIndependent Mortgage Company | Strong | Sound | Strong | Sound | Strong | $2,764Fees | 0.518%Above | 264 | |
43 | Paramount Residential Mortgage Group, Inc.Independent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $4,484Fees | 0.688%Above | 241 | |
44 | Prosperity Home Mortgage, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $2,552Fees | 0.375%Above | 232 | |
45 | PRIMELENDING, A PLAINSCAPITAL COMPANYIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $2,917Fees | 0.481%Above | 221 | |
46 | NATIONSTAR MORTGAGE LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $3,319Fees | 0.307%Above | 197 | |
47 | Plains Commerce BankBank | Strong | Acceptable | Exceptional | Strong | Strong | $1,987Fees | 0.523%Above | 172 | |
48 | THE LOAN STORE, INC.Independent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $1,578Fees | 0.498%Above | 139 | |
49 | T2 FINANCIAL LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $3,550Fees | 0.727%Above | 124 | |
50 | The Park National BankBank | Strong | Acceptable | Exceptional | Strong | Strong | $970Fees | 0.469%Above | 110 |
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.