Safe Rate Rankings
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| Rank | Lender | Overall | Pricing | Pull Through | Place | Avg Fees | Rate Spread | # of Loans | Action |
|---|---|---|---|---|---|---|---|---|---|
1 | WRIGHT-PATT CREDIT UNION, INC.Credit Union | Exceptional | Exceptional | Strong | Exceptional | $404Fees | 0.385%Below | 2,094 | |
2 | VICTORY MORTGAGE, L.L.C.Independent Mortgage Company | Exceptional | Exceptional | Strong | Exceptional | $561Fees | 0.144%Below | 1,026 | |
3 | LCNB National BankBank | Exceptional | Exceptional | Strong | Exceptional | $786Fees | 0.088%Above | 526 | |
4 | The Huntington National BankBank | Exceptional | Strong | Strong | Exceptional | $299Fees | 0.429%Above | 8,206 | |
5 | Fifth Third Bank, National AssociationBank | Exceptional | Strong | Strong | Exceptional | $610Fees | 0.329%Above | 3,118 | |
6 | Third Federal Savings and Loan Association of ClevelandBank | Exceptional | Strong | Strong | Exceptional | $839Fees | 0.086%Above | 1,805 | |
7 | U.S. Bank National AssociationBank | Exceptional | Strong | Strong | Exceptional | $1,057Fees | 0.311%Above | 1,603 | |
8 | PNC Bank, National AssociationBank | Exceptional | Strong | Strong | Exceptional | $136Credit | 0.211%Above | 1,198 | |
9 | KeyBank National AssociationBank | Exceptional | Strong | Strong | Exceptional | $1,252Fees | 0.185%Above | 997 | |
10 | First Federal Savings and Loan Association of LakewoodBank | Exceptional | Strong | Strong | Exceptional | $966Fees | 0.241%Above | 836 | |
11 | NAVY FEDERAL CREDIT UNIONCredit Union | Exceptional | Exceptional | Sound | Strong | $554Fees | 0.414%Below | 828 | |
12 | Civista BankBank | Exceptional | Strong | Strong | Exceptional | $917Fees | 0.163%Above | 671 | |
13 | THE EQUITABLE MORTGAGE CORPORATIONIndependent Mortgage Company | Exceptional | Strong | Strong | Exceptional | $1,601Fees | 0.139%Above | 570 | |
14 | The State Bank and Trust CompanyBank | Exceptional | Strong | Strong | Exceptional | $1,292Fees | 0.061%Above | 563 | |
15 | UNITED WHOLESALE MORTGAGE, LLCIndependent Mortgage Company | Strong | Sound | Exceptional | Exceptional | $2,404Fees | 0.296%Above | 5,780 | |
16 | Citizens Bank, National AssociationBank | Strong | Strong | Strong | Strong | $248Fees | 0.195%Above | 766 | |
17 | Seven Seventeen Credit UnionCredit Union | Strong | Strong | Strong | Strong | $1,654Fees | 0.030%Below | 439 | |
18 | First Commonwealth BankBank | Strong | Strong | Strong | Strong | $1,007Fees | 0.192%Above | 414 | |
19 | Bank of America, National AssociationBank | Strong | Strong | Strong | Strong | $1,352Fees | 0.271%Below | 320 | |
20 | GENERAL ELECTRIC CREDIT UNIONCredit Union | Strong | Strong | Strong | Strong | $848Fees | 0.028%Above | 293 | |
21 | Union Savings BankBank | Strong | Sound | Strong | Exceptional | $984Fees | 0.172%Above | 3,119 | |
22 | JPMorgan Chase Bank, National AssociationBank | Strong | Sound | Strong | Exceptional | $2,018Fees | 0.228%Above | 2,884 | |
23 | GUARANTEED RATE, INC.Independent Mortgage Company | Strong | Sound | Strong | Exceptional | $2,386Fees | 0.294%Above | 2,530 | |
24 | RUOFF MORTGAGE COMPANY, INC.Independent Mortgage Company | Strong | Sound | Strong | Exceptional | $2,213Fees | 0.372%Above | 1,958 | |
25 | LOANDEPOT.COM, LLCIndependent Mortgage Company | Strong | Sound | Strong | Exceptional | $2,299Fees | 0.566%Above | 1,927 | |
26 | Premier BankBank | Strong | Sound | Strong | Exceptional | $1,066Fees | 0.405%Above | 1,037 | |
27 | First Financial BankBank | Strong | Sound | Strong | Exceptional | $1,522Fees | 0.441%Above | 914 | |
28 | EQUITY RESOURCES, INC.Independent Mortgage Company | Strong | Sound | Strong | Exceptional | $1,605Fees | 0.389%Above | 728 | |
29 | The Farmers National Bank of CanfieldBank | Strong | Sound | Strong | Exceptional | $1,227Fees | 0.389%Above | 473 | |
30 | Wells Fargo Bank, National AssociationBank | Strong | Strong | Sound | Strong | $2,252Fees | 0.131%Above | 359 | |
31 | Peoples BankBank | Strong | Strong | Sound | Strong | $781Fees | 0.261%Above | 337 | |
32 | ARK-LA-TEX FINANCIAL SERVICES, LLC.Independent Mortgage Company | Strong | Sound | Exceptional | Strong | $1,154Fees | 0.448%Above | 298 | |
33 | FIRST EQUITY MORTGAGE INCORPORATEDIndependent Mortgage Company | Strong | Strong | Sound | Strong | $995Fees | 0.054%Above | 284 | |
34 | The Union Bank CompanyBank | Strong | Strong | Sound | Strong | $1,024Fees | 0.221%Above | 274 | |
35 | ROCKET MORTGAGE, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | $3,563Fees | 0.479%Above | 11,005 | |
36 | UNION HOME MORTGAGE CORP.Independent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | $3,254Fees | 0.761%Above | 3,651 | |
37 | NFM, INC.Independent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | $3,704Fees | 0.644%Above | 2,434 | |
38 | FAIRWAY INDEPENDENT MORTGAGE CORPORATIONIndependent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | $3,004Fees | 0.585%Above | 2,217 | |
39 | FREEDOM MORTGAGE CORPORATIONIndependent Mortgage Company | Strong | Sound | Strong | Strong | $2,246Fees | 0.465%Above | 1,071 | |
40 | PENNYMAC LOAN SERVICES, LLCIndependent Mortgage Company | Strong | Sound | Strong | Strong | $1,553Fees | 0.064%Above | 845 | |
41 | SUPERIOR CREDIT UNION, INC.Credit Union | Strong | Sound | Sound | Exceptional | $1,187Fees | 0.282%Above | 613 | |
42 | First National Bank of PennsylvaniaBank | Strong | Sound | Strong | Strong | $1,126Fees | 0.134%Above | 543 | |
43 | WesBanco Bank, Inc.Bank | Strong | Sound | Strong | Strong | $1,462Fees | 0.199%Above | 414 | |
44 | Guardian Savings BankBank | Strong | Sound | Strong | Strong | $1,124Fees | 0.172%Above | 405 | |
45 | Dollar Bank, Federal Savings BankBank | Strong | Sound | Strong | Strong | $903Fees | 0.287%Above | 313 | |
46 | CROSSCOUNTRY MORTGAGE, LLCIndependent Mortgage Company | Strong | Acceptable | Strong | Exceptional | $3,360Fees | 0.722%Above | 8,629 | |
47 | Mortgage Research Center, LLCIndependent Mortgage Company | Strong | Acceptable | Strong | Exceptional | $1,522Fees | 0.698%Above | 2,573 | |
48 | LOWER, LLCIndependent Mortgage Company | Strong | Acceptable | Strong | Exceptional | $2,803Fees | 0.616%Above | 1,789 | |
49 | HOWARD HANNA FINANCIAL SERVICES, INC.Independent Mortgage Company | Strong | Acceptable | Strong | Exceptional | $2,332Fees | 0.349%Above | 1,621 | |
50 | The Park National BankBank | Strong | Acceptable | Strong | Exceptional | $1,325Fees | 0.430%Above | 1,229 |
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.