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 | $604Fees | 0.497%Above | 67 | |
2 | Community First Bank of IndianaBank | Exceptional | Exceptional | Sound | Strong | Strong | $729Fees | 0.234%Below | 32 | |
3 | RUOFF MORTGAGE COMPANY, INC.Independent Mortgage Company | Exceptional | Sound | Exceptional | Strong | Exceptional | $1,666Fees | 0.539%Above | 132 | |
4 | VANDERBILT MORTGAGE AND FINANCE, INC.Independent Mortgage Company | Exceptional | Sound | Exceptional | Strong | Exceptional | $4,495Fees | 0.018%Above | 81 | |
5 | PLAZA HOME MORTGAGE, INC.Independent Mortgage Company | Exceptional | Sound | Exceptional | Strong | Exceptional | $1,445Fees | 0.540%Above | 74 | |
6 | SOLIDARITY COMMUNITY Federal Credit UnionCredit Union | Exceptional | Strong | Sound | Strong | Exceptional | $564Fees | 0.378%Above | 52 | |
7 | PNC Bank, National AssociationBank | Exceptional | Strong | Exceptional | Strong | Sound | $206Fees | 0.545%Above | 17 | |
8 | KeyBank National AssociationBank | Exceptional | Strong | Exceptional | Strong | Sound | $1,799Fees | 0.228%Above | 12 | |
9 | ROCKET MORTGAGE, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $3,263Fees | 0.710%Above | 95 | |
10 | First Farmers Bank & Trust Co.Bank | Strong | Sound | Strong | Strong | Exceptional | $1,008Fees | 0.508%Above | 57 | |
11 | GVC MORTGAGE, INC.Independent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Exceptional | $2,825Fees | 0.866%Above | 112 | |
12 | MJW FINANCIAL LLCIndependent Mortgage Company | Strong | Sound | Strong | Strong | Strong | $1,852Fees | 0.757%Above | 48 | |
13 | STOCKTON MORTGAGE CORPORATIONIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $2,448Fees | 0.641%Above | 38 | |
14 | UNITED WHOLESALE MORTGAGE, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | Sound | $1,705Fees | 0.300%Above | 16 | |
15 | GoodLeap, LLCIndependent Mortgage Company | Strong | Sound | Strong | Sound | Sound | $2,726Fees | 0.244%Above | 22 | |
16 | FAIRWAY INDEPENDENT MORTGAGE CORPORATIONIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Sound | $1,991Fees | 0.655%Above | 17 | |
17 | UNION HOME MORTGAGE CORP.Independent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Sound | $2,639Fees | 0.845%Above | 16 | |
18 | NATIONSTAR MORTGAGE LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Sound | $2,530Fees | 0.825%Above | 12 | |
19 | Luminate Home Loans, Inc.Independent Mortgage Company | Strong | Mediocre | Exceptional | Strong | Strong | $2,972Fees | 1.036%Above | 54 | |
20 | NEWREZ LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Sound | Sound | $2,203Fees | 0.511%Above | 12 | |
21 | STAR Financial BankBank | Strong | Sound | Sound | Sound | Sound | $1,326Fees | 0.495%Above | 11 | |
22 | Regions BankBank | Strong | Acceptable | Exceptional | Strong | Acceptable | $1,584Fees | 0.324%Above | 10 | |
23 | ROYAL UNITED MORTGAGE LLCIndependent Mortgage Company | Sound | Mediocre | Strong | Strong | Sound | $3,202Fees | 0.448%Above | 14 |
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.