Safe Rate Rankings
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| Rank | Lender | Overall | Pricing | Product | Pull Through | Place | Avg Fees | Rate Spread | # of Loans | Action |
|---|---|---|---|---|---|---|---|---|---|---|
1 | The Huntington National BankBank | Exceptional | Strong | Exceptional | Strong | Exceptional | $564Fees | 0.433%Above | 1,731 | |
2 | Third Federal Savings and Loan Association of ClevelandBank | Exceptional | Strong | Exceptional | Strong | Exceptional | $913Fees | 0.117%Above | 1,076 | |
3 | NAVY FEDERAL CREDIT UNIONCredit Union | Exceptional | Exceptional | Exceptional | Sound | Strong | $571Fees | 0.297%Below | 197 | |
4 | Fifth Third Bank, National AssociationBank | Exceptional | Strong | Exceptional | Sound | Exceptional | $641Fees | 0.342%Above | 683 | |
5 | First Federal Savings and Loan Association of LakewoodBank | Exceptional | Strong | Strong | Strong | Exceptional | $953Fees | 0.255%Above | 588 | |
6 | First National Bank of PennsylvaniaBank | Exceptional | Strong | Exceptional | Strong | Strong | $1,094Fees | 0.122%Above | 314 | |
7 | KeyBank National AssociationBank | Exceptional | Strong | Exceptional | Strong | Strong | $1,246Fees | 0.186%Above | 313 | |
8 | PNC Bank, National AssociationBank | Exceptional | Strong | Exceptional | Strong | Strong | $524Credit | 0.193%Above | 286 | |
9 | U.S. Bank National AssociationBank | Exceptional | Strong | Exceptional | Strong | Strong | $1,024Fees | 0.402%Above | 233 | |
10 | Bank of America, National AssociationBank | Exceptional | Strong | Exceptional | Strong | Strong | $741Fees | 0.517%Below | 97 | |
11 | JPMorgan Chase Bank, National AssociationBank | Exceptional | Sound | Exceptional | Strong | Exceptional | $2,020Fees | 0.178%Above | 597 | |
12 | RUOFF MORTGAGE COMPANY, INC.Independent Mortgage Company | Exceptional | Sound | Exceptional | Strong | Exceptional | $2,246Fees | 0.361%Above | 469 | |
13 | Citizens Bank, National AssociationBank | Exceptional | Strong | Exceptional | Sound | Strong | $598Credit | 0.167%Above | 382 | |
14 | Civista BankBank | Exceptional | Strong | Strong | Strong | Strong | $996Fees | 0.132%Above | 78 | |
15 | First Federal Savings and Loan Association of LorainBank | Exceptional | Exceptional | Sound | Sound | Strong | $1,120Fees | 0.004%Above | 52 | |
16 | ROCKET MORTGAGE, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $3,533Fees | 0.456%Above | 2,273 | |
17 | UNITED WHOLESALE MORTGAGE, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $2,452Fees | 0.354%Above | 1,043 | |
18 | Dollar Bank, Federal Savings BankBank | Strong | Sound | Strong | Strong | Exceptional | $850Fees | 0.287%Above | 256 | |
19 | MUTUAL OF OMAHA MORTGAGE, INC.Independent Mortgage Company | Strong | Strong | Strong | Sound | Strong | $2,613Fees | 0.437%Above | 193 | |
20 | LOANDEPOT.COM, LLCIndependent Mortgage Company | Strong | Sound | Exceptional | Strong | Strong | $2,745Fees | 0.505%Above | 156 | |
21 | FIRST EQUITY MORTGAGE INCORPORATEDIndependent Mortgage Company | Strong | Strong | Strong | Sound | Strong | $1,071Fees | 0.010%Above | 122 | |
22 | Union Savings BankBank | Strong | Sound | Exceptional | Strong | Strong | $748Fees | 0.255%Above | 117 | |
23 | Wells Fargo Bank, National AssociationBank | Strong | Strong | Exceptional | Sound | Sound | $2,438Fees | 0.261%Above | 68 | |
24 | First Commonwealth BankBank | Strong | Sound | Exceptional | Strong | Strong | $1,352Fees | 0.276%Above | 56 | |
25 | CROSSCOUNTRY MORTGAGE, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Exceptional | $3,101Fees | 0.669%Above | 2,944 | |
26 | HOWARD HANNA FINANCIAL SERVICES, INC.Independent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Exceptional | $2,264Fees | 0.295%Above | 828 | |
27 | UNION HOME MORTGAGE CORP.Independent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Exceptional | $3,404Fees | 0.694%Above | 528 | |
28 | Nations Lending CorporationIndependent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | Strong | $3,165Fees | 0.417%Above | 189 | |
29 | Premier BankBank | Strong | Sound | Strong | Strong | Strong | $1,348Fees | 0.505%Above | 138 | |
30 | PENNYMAC LOAN SERVICES, LLCIndependent Mortgage Company | Strong | Sound | Exceptional | Sound | Strong | $1,742Fees | 0.106%Above | 135 | |
31 | Synergy One Lending, Inc.Independent Mortgage Company | Strong | Acceptable | Strong | Strong | Exceptional | $3,520Fees | 0.540%Above | 472 | |
32 | GUARANTEED RATE, INC.Independent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $2,187Fees | 0.264%Above | 349 | |
33 | UNION CAPITAL MORTGAGE CORPORATIONIndependent Mortgage Company | Strong | Acceptable | Strong | Strong | Exceptional | $2,839Fees | 0.254%Above | 246 | |
34 | FAIRWAY INDEPENDENT MORTGAGE CORPORATIONIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $2,814Fees | 0.322%Above | 230 | |
35 | FREEDOM MORTGAGE CORPORATIONIndependent Mortgage Company | Strong | Sound | Strong | Sound | Strong | $1,470Fees | 0.587%Above | 210 | |
36 | NATIONSTAR MORTGAGE LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $3,777Fees | 0.611%Above | 131 | |
37 | GUILD MORTGAGE COMPANY LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $2,555Fees | 0.424%Above | 128 | |
38 | Flagstar Bank, N.A.Bank | Strong | Acceptable | Exceptional | Strong | Strong | $2,157Fees | 0.599%Above | 124 | |
39 | LOWER, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $3,472Fees | 0.613%Above | 86 | |
40 | GOLD STAR MORTGAGE FINANCIAL GROUP, CORPORATIONIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $3,447Fees | 0.998%Above | 67 | |
41 | NORTHERN MORTGAGE SERVICES, LLCIndependent Mortgage Company | Strong | Acceptable | Strong | Strong | Strong | $2,011Fees | 0.566%Above | 194 | |
42 | NEW AMERICAN FUNDING, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Sound | Strong | $2,750Fees | 0.787%Above | 118 | |
43 | NEWREZ LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Sound | Strong | $2,758Fees | 0.603%Above | 113 | |
44 | MOVEMENT MORTGAGE, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Sound | $3,070Fees | 0.595%Above | 85 | |
45 | USAA Federal Savings BankBank | Strong | Sound | Strong | Acceptable | Strong | $1,441Fees | 0.102%Below | 78 | |
46 | PRIMARY RESIDENTIAL MORTGAGE, INC.Independent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Sound | $2,810Fees | 0.732%Above | 70 | |
47 | Mortgage Research Center, LLCIndependent Mortgage Company | Strong | Acceptable | Strong | Sound | Strong | $1,425Fees | 0.628%Above | 433 | |
48 | NFM, INC.Independent Mortgage Company | Strong | Mediocre | Exceptional | Strong | Strong | $3,530Fees | 0.741%Above | 141 | |
49 | AMERICAN PACIFIC MORTGAGE CORPORATIONIndependent Mortgage Company | Strong | Mediocre | Exceptional | Strong | Strong | $3,880Fees | 0.811%Above | 131 |
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.