Safe Rate Rankings

Best Conventional Mortgage Lenders in Mansfield

Updated February 6, 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 Lenders22

Total Loans1,162

Median Rate Spread0.62%

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Rank	Lender	Overall	Pricing	Product	Pull Through	Place	Avg Fees	Rate Spread	# of Loans
1	The Huntington National BankBank	Exceptional	Strong	Exceptional	Strong	Strong	$146Credit	0.517%Above	62
2	Directions Credit Union, Inc.Credit Union	Exceptional	Exceptional	Strong	Strong	Sound	$220Fees	0.125%Above	21
3	U.S. Bank National AssociationBank	Exceptional	Strong	Exceptional	Strong	Sound	$1,271Fees	0.207%Above	12
4	LOANDEPOT.COM, LLCIndependent Mortgage Company	Strong	Sound	Exceptional	Strong	Strong	$1,733Fees	0.898%Above	65
5	MECHANICS BANKBank	Strong	Acceptable	Strong	Exceptional	Exceptional	$808Fees	0.021%Above	224
6	The Park National BankBank	Strong	Acceptable	Exceptional	Strong	Exceptional	$1,503Fees	0.464%Above	144
7	CROSSCOUNTRY MORTGAGE, LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Exceptional	$3,628Fees	0.802%Above	141
8	ROCKET MORTGAGE, LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Exceptional	Strong	$3,345Fees	0.642%Above	129
9	JPMorgan Chase Bank, National AssociationBank	Strong	Sound	Exceptional	Strong	Sound	$2,421Fees	0.528%Above	31
10	THE EQUITABLE MORTGAGE CORPORATIONIndependent Mortgage Company	Strong	Strong	Strong	Sound	Sound	$1,236Fees	0.208%Above	14
11	RUOFF MORTGAGE COMPANY, INC.Independent Mortgage Company	Strong	Sound	Exceptional	Strong	Sound	$3,003Fees	0.573%Above	11
12	FAIRWAY INDEPENDENT MORTGAGE CORPORATIONIndependent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Strong	$2,155Fees	1.013%Above	106
13	UNION HOME MORTGAGE CORP.Independent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Strong	$2,844Fees	0.730%Above	57
14	UNITED WHOLESALE MORTGAGE, LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Exceptional	Sound	$4,228Fees	0.150%Above	25
15	T2 FINANCIAL LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Sound	$2,927Fees	0.636%Above	15
16	ALLIED MORTGAGE GROUP, INC.Independent Mortgage Company	Strong	Sound	Strong	Sound	Sound	$2,237Fees	1.013%Above	10
17	NEW AMERICAN FUNDING, LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Sound	Sound	$1,812Fees	0.969%Above	13
18	NFM, INC.Independent Mortgage Company	Sound	Mediocre	Exceptional	Strong	Sound	$3,587Fees	0.923%Above	14

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 40 Points)

Pricing

Rate and fee competitiveness (25%)

Pull Through

Reliability in closing loans (25%)

Product

Specialization in the loan type (25%)

Place

Local market expertise (25%)

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.