Safe Rate Rankings
Shopping for a mortgage? Click the heart icon to save lenders to My Home and make comparison painless.
| Rank | Lender | Overall | Pricing | Product | Pull Through | Place | Avg Fees | Rate Spread | # of Loans | Action |
|---|---|---|---|---|---|---|---|---|---|---|
1 | U.S. Bank National AssociationBank | Exceptional | Exceptional | Exceptional | Strong | Exceptional | $1,107Fees | 0.239%Above | 604 | |
2 | Wells Fargo Bank, National AssociationBank | Exceptional | Exceptional | Exceptional | Strong | Strong | $2,148Fees | 0.127%Above | 79 | |
3 | Bank of America, National AssociationBank | Exceptional | Exceptional | Exceptional | Strong | Strong | $1,719Fees | 0.090%Below | 77 | |
4 | GUARANTEED RATE, INC.Independent Mortgage Company | Exceptional | Strong | Exceptional | Strong | Exceptional | $2,390Fees | 0.237%Above | 858 | |
5 | Fifth Third Bank, National AssociationBank | Exceptional | Strong | Exceptional | Strong | Exceptional | $297Fees | 0.257%Above | 808 | |
6 | LCNB National BankBank | Exceptional | Exceptional | — | Strong | Exceptional | $791Fees | 0.084%Above | 556 | |
7 | GENERAL ELECTRIC CREDIT UNIONCredit Union | Exceptional | Strong | Strong | Strong | Exceptional | $860Fees | 0.051%Above | 297 | |
8 | WesBanco Bank, Inc.Bank | Exceptional | Strong | Exceptional | Strong | Strong | $1,580Fees | 0.225%Above | 95 | |
9 | Truist BankBank | Exceptional | Strong | Exceptional | Strong | Strong | $1,922Fees | 0.285%Above | 93 | |
10 | UNITED WHOLESALE MORTGAGE, LLCIndependent Mortgage Company | Exceptional | Sound | Exceptional | Strong | Exceptional | $2,474Fees | 0.297%Above | 2,016 | |
11 | ROCKET MORTGAGE, LLCIndependent Mortgage Company | Exceptional | Sound | Exceptional | Strong | Exceptional | $3,810Fees | 0.380%Above | 1,980 | |
12 | JPMorgan Chase Bank, National AssociationBank | Exceptional | Sound | Exceptional | Strong | Exceptional | $1,625Fees | 0.169%Above | 448 | |
13 | First Financial BankBank | Exceptional | Sound | Exceptional | Strong | Exceptional | $1,452Fees | 0.517%Above | 326 | |
14 | Warsaw Federal Savings and Loan AssociationBank | Exceptional | Strong | — | Strong | Exceptional | $807Fees | 0.239%Above | 196 | |
15 | Heartland BankBank | Exceptional | Strong | Strong | Strong | Strong | $1,050Fees | 0.243%Above | 115 | |
16 | Guardian Savings BankBank | Strong | Sound | Strong | Strong | Exceptional | $1,159Fees | 0.160%Above | 765 | |
17 | GUARANTEED RATE AFFINITY, LLCIndependent Mortgage Company | Strong | Sound | Exceptional | Sound | Exceptional | $2,531Fees | 0.457%Above | 396 | |
18 | PNC Bank, National AssociationBank | Strong | Sound | Exceptional | Strong | Strong | $354Credit | 0.268%Above | 208 | |
19 | Union Savings BankBank | Strong | Acceptable | Exceptional | Strong | Exceptional | $1,029Fees | 0.164%Above | 1,185 | |
20 | The Huntington National BankBank | Strong | Acceptable | Exceptional | Strong | Exceptional | $245Credit | 0.321%Above | 1,145 | |
21 | Civista BankBank | Strong | Sound | Strong | Strong | Strong | $611Fees | 0.111%Above | 147 | |
22 | CINFED Federal Credit UnionCredit Union | Strong | Strong | Strong | Acceptable | Strong | $650Fees | 0.137%Above | 131 | |
23 | KEMBA CREDIT UNION, INC.Credit Union | Strong | Strong | Sound | Sound | Strong | $818Fees | 0.017%Above | 104 |
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.