Safe Rate Rankings

Best All Lender Mortgage Lenders in Huntington

Updated May 26, 2026

⚖️ The 4 PsRankings are calculated based on observed lender differences on closed loans across Pricing, Pull-through, Product, and Place.

🛡️ No Pay to PlayLenders cannot buy their way to the top. Rankings are 100% earned.

📊 HMDA 2024Built using publicly available originated loan data from the federal government.

🎯 Peer BenchmarkedPerformance is normalized and benchmarked against peer institutions.

Market

Total Lenders42

Total Loans2,748

Median Rate Spread0.53%

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Rank	Lender	Overall	Pricing	Pull Through	Place	Avg Fees	Rate Spread	# of Loans
1	City National Bank of West VirginiaBank	Exceptional	Strong	Strong	Exceptional	$82Credit	0.052%Below	294
2	Huntington Federal Savings BankBank	Exceptional	Strong	Strong	Exceptional	$1,025Fees	0.101%Below	101
3	UNITED WHOLESALE MORTGAGE, LLCIndependent Mortgage Company	Strong	Sound	Exceptional	Exceptional	$1,964Fees	0.644%Above	156
4	DESCOCredit Union	Strong	Strong	Sound	Exceptional	$366Fees	0.070%Above	77
5	The Huntington National BankBank	Strong	Strong	Strong	Strong	$624Fees	0.327%Above	64
6	Fifth Third Bank, National AssociationBank	Strong	Strong	Strong	Strong	$580Fees	0.727%Above	52
7	U.S. Bank National AssociationBank	Strong	Strong	Strong	Strong	$1,562Fees	0.275%Above	48
8	NAVY FEDERAL CREDIT UNIONCredit Union	Strong	Exceptional	Sound	Sound	$80Fees	0.430%Below	22
9	The Ohio Valley Bank CompanyBank	Strong	Strong	Sound	Strong	$618Fees	0.936%Below	76
10	Truist BankBank	Strong	Strong	Strong	Sound	$540Fees	0.366%Above	33
11	ROCKET MORTGAGE, LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Exceptional	$3,343Fees	0.582%Above	272
12	MOVEMENT MORTGAGE, LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Exceptional	$2,558Fees	0.519%Above	226
13	PRIMELENDING, A PLAINSCAPITAL COMPANYIndependent Mortgage Company	Strong	Acceptable	Exceptional	Exceptional	$2,207Fees	0.628%Above	142
14	LOANDEPOT.COM, LLCIndependent Mortgage Company	Strong	Sound	Strong	Strong	$2,301Fees	0.319%Above	112
15	WesBanco Bank, Inc.Bank	Strong	Sound	Strong	Strong	$1,723Fees	0.165%Above	61
16	United BankBank	Strong	Sound	Strong	Strong	$1,207Fees	0.337%Above	58
17	GUARANTEED RATE, INC.Independent Mortgage Company	Strong	Sound	Strong	Strong	$2,626Fees	0.515%Above	51
18	JPMorgan Chase Bank, National AssociationBank	Strong	Sound	Strong	Strong	$2,010Fees	0.262%Above	45
19	Peoples BankBank	Strong	Strong	Sound	Sound	$909Fees	0.605%Above	25
20	STOCKTON MORTGAGE CORPORATIONIndependent Mortgage Company	Strong	Acceptable	Strong	Exceptional	$2,646Fees	0.828%Above	131
21	MEMBERS CHOICECredit Union	Strong	Sound	Sound	Strong	$275Fees	0.375%Above	52
22	FREEDOM MORTGAGE CORPORATIONIndependent Mortgage Company	Strong	Sound	Strong	Sound	$3,868Fees	0.229%Above	30
23	Mortgage Research Center, LLCIndependent Mortgage Company	Strong	Acceptable	Strong	Strong	$1,716Credit	1.080%Above	127
24	Equity Prime Mortgage LLCIndependent Mortgage Company	Strong	Acceptable	Strong	Strong	$1,715Fees	0.867%Above	107
25	Gateway First BankBank	Strong	Acceptable	Strong	Strong	$2,565Fees	0.577%Above	54
26	Community Trust Bank, Inc.Bank	Strong	Acceptable	Strong	Strong	$685Fees	0.261%Above	35
27	VICTORIAN FINANCE, LLCIndependent Mortgage Company	Sound	Acceptable	Strong	Sound	$1,705Fees	0.143%Above	27
28	NEWREZ LLCIndependent Mortgage Company	Sound	Acceptable	Sound	Sound	$2,474Fees	0.687%Above	28
29	NEW AMERICAN FUNDING, LLCIndependent Mortgage Company	Sound	Acceptable	Sound	Sound	$2,944Fees	1.296%Above	25
30	CALCON MUTUAL MORTGAGE LLCIndependent Mortgage Company	Sound	Mediocre	Sound	Sound	$2,457Fees	0.767%Above	32
31	Click n' Close, Inc.Independent Mortgage Company	Sound	Mediocre	Sound	Sound	$3,842Fees	1.657%Above	24

How We Rank Lenders

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.

Our Point System (Max 30 Points)

Pricing

Rate and fee competitiveness (33%)

Pull Through

Reliability in closing loans (33%)

Place

Local market expertise (33%)

Data Integrity & Updates

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.