Our rankings are earned, not bought. We analyze 2,347 lenders using federal HMDA data—no pay-to-play, no cherry-picking. You see the best options based on performance metrics, not advertising dollars.
Safe Rate Rankings
| Rank | Lender | Overall | Pricing | Product | Pull Through | Place | Avg Fees | Spread | Volume | Action |
|---|---|---|---|---|---|---|---|---|---|---|
1 | The Huntington National Bank | Exceptional | Strong | Exceptional | Strong | Exceptional | $763 | +0.104% | 101 | |
2 | PNC Bank, National Association | Exceptional | Strong | Exceptional | Strong | Strong | $592 | +0.161% | 62 | |
3 | First National Bank of Pennsylvania | Exceptional | Strong | Exceptional | Strong | Strong | $1,463 | +0.157% | 49 | |
4 | City National Bank of West Virginia | Exceptional | Strong | Exceptional | Strong | Strong | $12 | -0.218% | 40 | |
5 | Truist Bank | Exceptional | Strong | Exceptional | Strong | Strong | $1,563 | +0.179% | 32 | |
6 | First Federal Savings and Loan Association of Greene Co | Exceptional | Exceptional | Sound | Strong | Strong | $612 | +0.102% | 26 | |
7 | NAVY FEDERAL CREDIT UNION | Exceptional | Exceptional | Exceptional | Sound | Sound | $818 | -0.045% | 19 | |
8 | Clear Mountain Bank | Strong | Sound | Strong | Strong | Exceptional | $921 | +0.114% | 134 | |
9 | WesBanco Bank, Inc. | Strong | Sound | Exceptional | Strong | Strong | $1,854 | +0.021% | 49 | |
10 | LOANDEPOT.COM, LLC | Strong | Sound | Exceptional | Strong | Strong | $2,258 | +0.131% | 48 | |
11 | FAIRMONT | Strong | Exceptional | Sound | Sound | Sound | $765 | -0.635% | 18 | |
12 | ROCKET MORTGAGE, LLC | Strong | Acceptable | Exceptional | Exceptional | Strong | $3,546 | +0.610% | 77 | |
13 | INTERCOASTAL MORTGAGE, LLC | Strong | Sound | Strong | Strong | Strong | $1,607 | +0.198% | 65 | |
14 | UNITED WHOLESALE MORTGAGE, LLC | Strong | Acceptable | Exceptional | Exceptional | Strong | $1,055 | +0.121% | 57 | |
15 | JPMorgan Chase Bank, National Association | Strong | Sound | Exceptional | Strong | Sound | $1,786 | +0.110% | 12 | |
16 | CROSSCOUNTRY MORTGAGE, LLC | Strong | Acceptable | Exceptional | Strong | Strong | $3,183 | +0.608% | 46 | |
17 | United Bank | Strong | Sound | Strong | Strong | Sound | $1,575 | +0.070% | 24 | |
18 | USAA Federal Savings Bank | Strong | Sound | Strong | Acceptable | Sound | $1,800 | +0.123% | 14 | |
19 | Flagstar Bank, N.A. | Strong | Acceptable | Exceptional | Strong | Acceptable | $2,446 | +0.319% | 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.
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