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 | $763Fees | 0.104%Above | 101 | |
2 | PNC Bank, National AssociationBank | Exceptional | Strong | Exceptional | Strong | Strong | $592Fees | 0.161%Above | 62 | |
3 | First National Bank of PennsylvaniaBank | Exceptional | Strong | Exceptional | Strong | Strong | $1,463Fees | 0.157%Above | 49 | |
4 | City National Bank of West VirginiaBank | Exceptional | Strong | Exceptional | Strong | Strong | $12Fees | 0.218%Below | 40 | |
5 | Truist BankBank | Exceptional | Strong | Exceptional | Strong | Strong | $1,563Fees | 0.179%Above | 32 | |
6 | First Federal Savings and Loan Association of Greene CoBank | Exceptional | Exceptional | Sound | Strong | Strong | $612Fees | 0.102%Above | 26 | |
7 | NAVY FEDERAL CREDIT UNIONCredit Union | Exceptional | Exceptional | Exceptional | Sound | Sound | $818Fees | 0.045%Below | 19 | |
8 | Clear Mountain BankBank | Strong | Sound | Strong | Strong | Exceptional | $921Fees | 0.114%Above | 134 | |
9 | WesBanco Bank, Inc.Bank | Strong | Sound | Exceptional | Strong | Strong | $1,854Fees | 0.021%Above | 49 | |
10 | LOANDEPOT.COM, LLCIndependent Mortgage Company | Strong | Sound | Exceptional | Strong | Strong | $2,258Fees | 0.131%Above | 48 | |
11 | FAIRMONTCredit Union | Strong | Exceptional | Sound | Sound | Sound | $765Fees | 0.635%Below | 18 | |
12 | ROCKET MORTGAGE, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | Strong | $3,546Fees | 0.610%Above | 77 | |
13 | INTERCOASTAL MORTGAGE, LLCIndependent Mortgage Company | Strong | Sound | Strong | Strong | Strong | $1,607Fees | 0.198%Above | 65 | |
14 | UNITED WHOLESALE MORTGAGE, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | Strong | $1,055Fees | 0.121%Above | 57 | |
15 | JPMorgan Chase Bank, National AssociationBank | Strong | Sound | Exceptional | Strong | Sound | $1,786Fees | 0.110%Above | 12 | |
16 | CROSSCOUNTRY MORTGAGE, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $3,183Fees | 0.608%Above | 46 | |
17 | United BankBank | Strong | Sound | Strong | Strong | Sound | $1,575Fees | 0.070%Above | 24 | |
18 | USAA Federal Savings BankBank | Strong | Sound | Strong | Acceptable | Sound | $1,800Fees | 0.123%Above | 14 | |
19 | Flagstar Bank, N.A.Bank | Strong | Acceptable | Exceptional | Strong | Acceptable | $2,446Fees | 0.319%Above | 10 |
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.