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 | $497Fees | 0.565%Below | 312 | |
2 | VICTORY MORTGAGE, L.L.C.Independent Mortgage Company | Exceptional | Exceptional | Strong | Strong | Exceptional | $714Fees | 0.220%Below | 365 | |
3 | The Huntington National BankBank | Exceptional | Strong | Exceptional | Strong | Exceptional | $377Fees | 0.229%Above | 1,337 | |
4 | NAVY FEDERAL CREDIT UNIONCredit Union | Exceptional | Exceptional | Exceptional | Sound | Strong | $422Fees | 0.479%Below | 125 | |
5 | Fifth Third Bank, National AssociationBank | Exceptional | Strong | Exceptional | Sound | Exceptional | $587Fees | 0.174%Above | 576 | |
6 | PNC Bank, National AssociationBank | Exceptional | Strong | Exceptional | Strong | Strong | $103Fees | 0.134%Above | 310 | |
7 | The State Bank and Trust CompanyBank | Exceptional | Strong | Strong | Strong | Exceptional | $1,361Fees | 0.023%Above | 256 | |
8 | Third Federal Savings and Loan Association of ClevelandBank | Exceptional | Strong | Exceptional | Strong | Strong | $893Fees | 0.035%Below | 217 | |
9 | U.S. Bank National AssociationBank | Exceptional | Strong | Exceptional | Strong | Strong | $972Fees | 0.189%Above | 206 | |
10 | KeyBank National AssociationBank | Exceptional | Strong | Exceptional | Strong | Strong | $1,098Fees | 0.203%Above | 109 | |
11 | First Merchants BankBank | Exceptional | Strong | Exceptional | Strong | Strong | $1,433Fees | 0.093%Above | 102 | |
12 | Bank of America, National AssociationBank | Exceptional | Strong | Exceptional | Strong | Strong | $1,344Fees | 0.372%Below | 95 | |
13 | PROVIDENT FUNDING ASSOCIATES, L.P.Independent Mortgage Company | Exceptional | Exceptional | Exceptional | Sound | Sound | $1,177Fees | 0.120%Below | 71 | |
14 | JPMorgan Chase Bank, National AssociationBank | Exceptional | Sound | Exceptional | Strong | Exceptional | $2,128Fees | 0.087%Above | 823 | |
15 | Union Savings BankBank | Exceptional | Sound | Exceptional | Strong | Exceptional | $1,089Fees | 0.205%Above | 688 | |
16 | First Financial BankBank | Exceptional | Sound | Exceptional | Strong | Exceptional | $1,506Fees | 0.367%Above | 453 | |
17 | RUOFF MORTGAGE COMPANY, INC.Independent Mortgage Company | Exceptional | Sound | Exceptional | Strong | Exceptional | $2,654Fees | 0.342%Above | 446 | |
18 | THE EQUITABLE MORTGAGE CORPORATIONIndependent Mortgage Company | Exceptional | Strong | Strong | Sound | Exceptional | $1,612Fees | 0.110%Above | 419 | |
19 | TELHIOCredit Union | Exceptional | Exceptional | Sound | Sound | Strong | $1,632Fees | 0.221%Below | 157 | |
20 | Civista BankBank | Exceptional | Strong | Strong | Strong | Strong | $931Fees | 0.090%Above | 116 | |
21 | First Federal Savings and Loan Association of LakewoodBank | Exceptional | Strong | Strong | Strong | Strong | $745Fees | 0.179%Above | 68 | |
22 | ROCKET MORTGAGE, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $3,967Fees | 0.358%Above | 1,760 | |
23 | UNITED WHOLESALE MORTGAGE, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $2,358Fees | 0.244%Above | 1,381 | |
24 | EQUITY RESOURCES, INC.Independent Mortgage Company | Strong | Sound | Strong | Strong | Exceptional | $1,521Fees | 0.287%Above | 319 | |
25 | MUTUAL OF OMAHA MORTGAGE, INC.Independent Mortgage Company | Strong | Strong | Strong | Sound | Strong | $1,809Fees | 0.233%Above | 181 | |
26 | Heartland BankBank | Strong | Strong | Sound | Sound | Exceptional | $1,039Fees | 0.243%Above | 176 | |
27 | The Union Bank CompanyBank | Strong | Strong | Sound | Strong | Strong | $1,014Fees | 0.164%Above | 154 | |
28 | LOANDEPOT.COM, LLCIndependent Mortgage Company | Strong | Sound | Exceptional | Strong | Strong | $3,752Fees | 0.438%Above | 149 | |
29 | WesBanco Bank, Inc.Bank | Strong | Sound | Exceptional | Strong | Strong | $775Fees | 0.149%Above | 111 | |
30 | First Commonwealth BankBank | Strong | Sound | Exceptional | Strong | Strong | $867Fees | 0.020%Above | 93 | |
31 | Wells Fargo Bank, National AssociationBank | Strong | Strong | Exceptional | Sound | Sound | $2,628Fees | 0.046%Above | 71 | |
32 | CROSSCOUNTRY MORTGAGE, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Exceptional | $3,642Fees | 0.633%Above | 1,116 | |
33 | UNION HOME MORTGAGE CORP.Independent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Exceptional | $3,229Fees | 0.714%Above | 1,042 | |
34 | LOWER, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Exceptional | $3,262Fees | 0.562%Above | 701 | |
35 | GUARANTEED RATE, INC.Independent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Exceptional | $2,884Fees | 0.213%Above | 615 | |
36 | The Park National BankBank | Strong | Acceptable | Exceptional | Strong | Exceptional | $1,290Fees | 0.501%Above | 517 | |
37 | PENNYMAC LOAN SERVICES, LLCIndependent Mortgage Company | Strong | Sound | Exceptional | Sound | Strong | $1,676Fees | 0.098%Above | 246 | |
38 | VANDERBILT MORTGAGE AND FINANCE, INC.Independent Mortgage Company | Strong | Sound | Exceptional | Strong | Sound | $3,576Fees | 0.054%Above | 62 | |
39 | M/I FINANCIAL, LLCIndependent Mortgage Company | Strong | Acceptable | Strong | Strong | Exceptional | $2,695Fees | 0.077%Above | 654 | |
40 | GO MORTGAGE, LLCIndependent Mortgage Company | Strong | Acceptable | Strong | Strong | Exceptional | $2,806Fees | 0.556%Above | 333 | |
41 | T2 FINANCIAL LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $3,146Fees | 0.472%Above | 299 | |
42 | FAIRWAY INDEPENDENT MORTGAGE CORPORATIONIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $3,151Fees | 0.607%Above | 282 | |
43 | FREEDOM MORTGAGE CORPORATIONIndependent Mortgage Company | Strong | Sound | Strong | Sound | Strong | $2,384Fees | 0.334%Above | 246 | |
44 | HOWARD HANNA FINANCIAL SERVICES, INC.Independent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $2,441Fees | 0.433%Above | 173 | |
45 | NATIONSTAR MORTGAGE LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $2,885Fees | 0.555%Above | 164 | |
46 | Flagstar Bank, N.A.Bank | Strong | Acceptable | Exceptional | Strong | Strong | $2,440Fees | 0.518%Above | 141 | |
47 | DAS Acquisition Company, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $3,680Fees | 0.563%Above | 138 | |
48 | FIRST COMMUNITY MORTGAGE, INC.Independent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $2,629Fees | 0.365%Above | 100 | |
49 | GoodLeap, LLCIndependent Mortgage Company | Strong | Sound | Strong | Sound | Strong | $4,043Fees | 0.038%Below | 89 | |
50 | Nations Lending CorporationIndependent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | Sound | $4,117Fees | 0.603%Above | 57 |
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.