Safe Rate Rankings
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| Rank | Lender | Overall | Pricing | Product | Pull Through | Place | Avg Fees | Rate Spread | # of Loans | Action |
|---|---|---|---|---|---|---|---|---|---|---|
1 | Union Savings BankBank | Exceptional | Exceptional | Strong | Strong | Exceptional | $1,029Fees | 0.164%Above | 1,185 | |
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 | Guardian Savings BankBank | Exceptional | Exceptional | Strong | Sound | Exceptional | $1,159Fees | 0.160%Above | 765 | |
5 | UNITED WHOLESALE MORTGAGE, LLCIndependent Mortgage Company | Exceptional | Sound | Exceptional | Exceptional | Exceptional | $2,474Fees | 0.297%Above | 2,016 | |
6 | Fifth Third Bank, National AssociationBank | Exceptional | Strong | Exceptional | Sound | Exceptional | $297Fees | 0.257%Above | 808 | |
7 | U.S. Bank National AssociationBank | Exceptional | Strong | Exceptional | Sound | Exceptional | $1,107Fees | 0.239%Above | 604 | |
8 | LCNB National BankBank | Exceptional | Exceptional | Sound | Sound | Exceptional | $791Fees | 0.084%Above | 556 | |
9 | FREEDOM MORTGAGE CORPORATIONIndependent Mortgage Company | Exceptional | Strong | Exceptional | Strong | Strong | $2,764Fees | 0.518%Above | 264 | |
10 | Prosperity Home Mortgage, LLCIndependent Mortgage Company | Exceptional | Strong | Exceptional | Strong | Strong | $2,552Fees | 0.375%Above | 232 | |
11 | Republic Bank & Trust CompanyBank | Exceptional | Exceptional | Strong | Sound | Strong | $859Fees | 0.165%Above | 83 | |
12 | FIRST EQUITY MORTGAGE INCORPORATEDIndependent Mortgage Company | Exceptional | Exceptional | Sound | Acceptable | Exceptional | $859Fees | 0.281%Above | 429 | |
13 | WRIGHT-PATT CREDIT UNION, INC.Credit Union | Exceptional | Strong | Strong | Sound | Exceptional | $143Fees | 0.486%Below | 243 | |
14 | Warsaw Federal Savings and Loan AssociationBank | Exceptional | Strong | Sound | Strong | Exceptional | $807Fees | 0.239%Above | 196 | |
15 | PENNYMAC LOAN SERVICES, LLCIndependent Mortgage Company | Exceptional | Strong | Exceptional | Sound | Strong | $1,354Fees | 0.084%Above | 155 | |
16 | Civista BankBank | Exceptional | Exceptional | Sound | Sound | Strong | $611Fees | 0.111%Above | 147 | |
17 | WesBanco Bank, Inc.Bank | Exceptional | Strong | Strong | Strong | Strong | $1,580Fees | 0.225%Above | 95 | |
18 | GoodLeap, LLCIndependent Mortgage Company | Exceptional | Strong | Exceptional | Sound | Strong | $3,083Fees | 0.032%Above | 67 | |
19 | ROCKET MORTGAGE, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $3,810Fees | 0.380%Above | 1,980 | |
20 | FIRST COMMUNITY MORTGAGE, INC.Independent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $3,118Fees | 0.477%Above | 687 | |
21 | UNION HOME MORTGAGE CORP.Independent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $2,543Fees | 0.601%Above | 625 | |
22 | FAIRWAY INDEPENDENT MORTGAGE CORPORATIONIndependent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $3,231Fees | 0.618%Above | 488 | |
23 | RiverHills BankBank | Strong | Strong | Sound | Sound | Exceptional | $1,400Fees | 0.270%Above | 248 | |
24 | M/I FINANCIAL, LLCIndependent Mortgage Company | Strong | Sound | Exceptional | Strong | Strong | $3,823Fees | 0.063%Below | 225 | |
25 | PNC Bank, National AssociationBank | Strong | Strong | Strong | Sound | Strong | $354Credit | 0.268%Above | 208 | |
26 | LOANDEPOT.COM, LLCIndependent Mortgage Company | Strong | Sound | Exceptional | Strong | Strong | $3,185Fees | 0.404%Above | 202 | |
27 | Plains Commerce BankBank | Strong | Sound | Exceptional | Strong | Strong | $1,987Fees | 0.523%Above | 172 | |
28 | SIBCY CLINE MORTGAGE SERVICES, INC.Independent Mortgage Company | Strong | Strong | Sound | Sound | Exceptional | $1,521Fees | 0.207%Above | 161 | |
29 | THE LOAN STORE, INC.Independent Mortgage Company | Strong | Sound | Exceptional | Strong | Strong | $1,578Fees | 0.498%Above | 139 | |
30 | Bank of EnglandBank | Strong | Sound | Exceptional | Strong | Strong | $3,431Fees | 0.677%Above | 113 | |
31 | Truist BankBank | Strong | Strong | Strong | Sound | Strong | $1,922Fees | 0.285%Above | 93 | |
32 | RMC HOME MORTGAGE, LLCIndependent Mortgage Company | Strong | Sound | Exceptional | Strong | Strong | $3,062Fees | 0.563%Above | 67 | |
33 | NATIONS DIRECT MORTGAGE, LLCIndependent Mortgage Company | Strong | Sound | Exceptional | Strong | Strong | $918Fees | 0.308%Above | 63 | |
34 | GUARANTEED RATE, INC.Independent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Exceptional | $2,390Fees | 0.237%Above | 858 | |
35 | STOCKTON MORTGAGE CORPORATIONIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Exceptional | $2,865Fees | 0.419%Above | 616 | |
36 | JPMorgan Chase Bank, National AssociationBank | Strong | Sound | Strong | Sound | Exceptional | $1,625Fees | 0.169%Above | 448 | |
37 | GUARANTEED RATE AFFINITY, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Exceptional | $2,531Fees | 0.457%Above | 396 | |
38 | RUOFF MORTGAGE COMPANY, INC.Independent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Exceptional | $1,642Fees | 0.357%Above | 373 | |
39 | NEWREZ LLCIndependent Mortgage Company | Strong | Sound | Exceptional | Sound | Strong | $2,025Fees | 0.392%Above | 343 | |
40 | First Financial BankBank | Strong | Sound | Strong | Sound | Exceptional | $1,452Fees | 0.517%Above | 326 | |
41 | PRIMELENDING, A PLAINSCAPITAL COMPANYIndependent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | Strong | $2,917Fees | 0.481%Above | 221 | |
42 | T2 FINANCIAL LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | Strong | $3,550Fees | 0.727%Above | 124 | |
43 | Heartland BankBank | Strong | Strong | Sound | Sound | Strong | $1,050Fees | 0.243%Above | 115 | |
44 | 3RD STREET FINANCIAL CORP.Independent Mortgage Company | Strong | Strong | Sound | Sound | Strong | $935Fees | 0.332%Above | 114 | |
45 | LOWER, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $2,303Fees | 0.529%Above | 270 | |
46 | Paramount Residential Mortgage Group, Inc.Independent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $4,484Fees | 0.688%Above | 241 | |
47 | 1st National BankBank | Strong | Sound | Sound | Sound | Exceptional | $1,203Fees | 0.280%Above | 186 | |
48 | AMERICAN FINANCIAL RESOURCES, INC.Independent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $2,504Fees | 0.649%Above | 155 | |
49 | Synergy One Lending, Inc.Independent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $2,952Fees | 0.534%Above | 97 | |
50 | VAN DYK MORTGAGE CORPORATIONIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $3,412Fees | 0.372%Above | 89 |
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.