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 | $1,089Fees | 0.205%Above | 688 | |
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 | UNITED WHOLESALE MORTGAGE, LLCIndependent Mortgage Company | Exceptional | Sound | Exceptional | Exceptional | Exceptional | $2,358Fees | 0.244%Above | 1,381 | |
5 | Fifth Third Bank, National AssociationBank | Exceptional | Strong | Exceptional | Sound | Exceptional | $587Fees | 0.174%Above | 576 | |
6 | FREEDOM MORTGAGE CORPORATIONIndependent Mortgage Company | Exceptional | Strong | Exceptional | Strong | Strong | $2,384Fees | 0.334%Above | 246 | |
7 | KeyBank National AssociationBank | Exceptional | Exceptional | Strong | Sound | Strong | $1,098Fees | 0.203%Above | 109 | |
8 | M/I FINANCIAL, LLCIndependent Mortgage Company | Exceptional | Sound | Exceptional | Strong | Exceptional | $2,695Fees | 0.077%Above | 654 | |
9 | THE EQUITABLE MORTGAGE CORPORATIONIndependent Mortgage Company | Exceptional | Strong | Strong | Sound | Exceptional | $1,612Fees | 0.110%Above | 419 | |
10 | WRIGHT-PATT CREDIT UNION, INC.Credit Union | Exceptional | Strong | Strong | Sound | Exceptional | $497Fees | 0.565%Below | 312 | |
11 | The State Bank and Trust CompanyBank | Exceptional | Strong | Sound | Strong | Exceptional | $1,361Fees | 0.023%Above | 256 | |
12 | PENNYMAC LOAN SERVICES, LLCIndependent Mortgage Company | Exceptional | Strong | Exceptional | Sound | Strong | $1,676Fees | 0.098%Above | 246 | |
13 | U.S. Bank National AssociationBank | Exceptional | Strong | Exceptional | Sound | Strong | $972Fees | 0.189%Above | 206 | |
14 | The Union Bank CompanyBank | Exceptional | Exceptional | Sound | Sound | Strong | $1,014Fees | 0.164%Above | 154 | |
15 | First Commonwealth BankBank | Exceptional | Strong | Strong | Strong | Strong | $867Fees | 0.020%Above | 93 | |
16 | GoodLeap, LLCIndependent Mortgage Company | Exceptional | Strong | Exceptional | Sound | Strong | $4,043Fees | 0.038%Below | 89 | |
17 | ROCKET MORTGAGE, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $3,967Fees | 0.358%Above | 1,760 | |
18 | NFM, INC.Independent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $3,822Fees | 0.587%Above | 1,737 | |
19 | UNION HOME MORTGAGE CORP.Independent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $3,229Fees | 0.714%Above | 1,042 | |
20 | PNC Bank, National AssociationBank | Strong | Strong | Strong | Sound | Strong | $103Fees | 0.134%Above | 310 | |
21 | RMC HOME MORTGAGE, LLCIndependent Mortgage Company | Strong | Sound | Exceptional | Strong | Strong | $4,794Fees | 0.098%Above | 240 | |
22 | LOANDEPOT.COM, LLCIndependent Mortgage Company | Strong | Sound | Exceptional | Strong | Strong | $3,752Fees | 0.438%Above | 149 | |
23 | Flagstar Bank, N.A.Bank | Strong | Sound | Exceptional | Strong | Strong | $2,440Fees | 0.518%Above | 141 | |
24 | VANDERBILT MORTGAGE AND FINANCE, INC.Independent Mortgage Company | Strong | Sound | Exceptional | Exceptional | Sound | $3,576Fees | 0.054%Above | 62 | |
25 | JPMorgan Chase Bank, National AssociationBank | Strong | Sound | Strong | Sound | Exceptional | $2,128Fees | 0.087%Above | 823 | |
26 | LOWER, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Exceptional | $3,262Fees | 0.562%Above | 701 | |
27 | GUARANTEED RATE, INC.Independent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Exceptional | $2,884Fees | 0.213%Above | 615 | |
28 | First Financial BankBank | Strong | Sound | Strong | Sound | Exceptional | $1,506Fees | 0.367%Above | 453 | |
29 | RUOFF MORTGAGE COMPANY, INC.Independent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Exceptional | $2,654Fees | 0.342%Above | 446 | |
30 | T2 FINANCIAL LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | Strong | $3,146Fees | 0.472%Above | 299 | |
31 | FAIRWAY INDEPENDENT MORTGAGE CORPORATIONIndependent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | Strong | $3,151Fees | 0.607%Above | 282 | |
32 | NEWREZ LLCIndependent Mortgage Company | Strong | Sound | Exceptional | Sound | Strong | $2,574Fees | 0.510%Above | 270 | |
33 | HOWARD HANNA FINANCIAL SERVICES, INC.Independent Mortgage Company | Strong | Sound | Strong | Strong | Strong | $2,441Fees | 0.433%Above | 173 | |
34 | FIRST COMMUNITY MORTGAGE, INC.Independent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | Strong | $2,629Fees | 0.365%Above | 100 | |
35 | EQUITY RESOURCES, INC.Independent Mortgage Company | Strong | Acceptable | Strong | Strong | Exceptional | $1,521Fees | 0.287%Above | 319 | |
36 | GUARANTEED RATE AFFINITY, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $1,826Fees | 0.356%Above | 198 | |
37 | HOMESPIRE MORTGAGE CORPORATIONIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $2,057Fees | 0.257%Above | 88 | |
38 | Nations Lending CorporationIndependent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | Sound | $4,117Fees | 0.603%Above | 57 | |
39 | CROSSCOUNTRY MORTGAGE, LLCIndependent Mortgage Company | Strong | Mediocre | Exceptional | Strong | Exceptional | $3,642Fees | 0.633%Above | 1,116 | |
40 | Mortgage Research Center, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Sound | Strong | $2,044Fees | 0.639%Above | 285 | |
41 | MUTUAL OF OMAHA MORTGAGE, INC.Independent Mortgage Company | Strong | Acceptable | Exceptional | Sound | Strong | $1,809Fees | 0.233%Above | 181 | |
42 | DAS Acquisition Company, LLCIndependent Mortgage Company | Strong | Mediocre | Exceptional | Exceptional | Strong | $3,680Fees | 0.563%Above | 138 | |
43 | UNION CAPITAL MORTGAGE CORPORATIONIndependent Mortgage Company | Strong | Acceptable | Strong | Strong | Strong | $3,116Fees | 0.290%Above | 84 | |
44 | J. VIRGIL, INC.Independent Mortgage Company | Strong | Acceptable | Strong | Strong | Strong | $2,457Fees | 0.730%Above | 84 | |
45 | CARRINGTON MORTGAGE SERVICES, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Sound | Strong | $4,229Fees | 0.572%Above | 77 | |
46 | GENEVA FINANCIAL, LLCIndependent Mortgage Company | Strong | Mediocre | Exceptional | Exceptional | Strong | $4,513Fees | 0.784%Above | 75 | |
47 | Wells Fargo Bank, National AssociationBank | Strong | Sound | Strong | Sound | Sound | $2,628Fees | 0.046%Above | 71 | |
48 | GO MORTGAGE, LLCIndependent Mortgage Company | Strong | Mediocre | Strong | Strong | Exceptional | $2,806Fees | 0.556%Above | 333 | |
49 | RAPID MORTGAGE COMPANYIndependent Mortgage Company | Strong | Mediocre | Strong | Strong | Exceptional | $3,942Fees | 0.649%Above | 231 | |
50 | NATIONSTAR MORTGAGE LLCIndependent Mortgage Company | Strong | Mediocre | Exceptional | Strong | Strong | $2,885Fees | 0.555%Above | 164 |
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.