Safe Rate Rankings
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| Rank | Lender | Overall | Pricing | Product | Pull Through | Place | Avg Fees | Rate Spread | # of Loans | Action |
|---|---|---|---|---|---|---|---|---|---|---|
1 | WRIGHT-PATT CREDIT UNION, INC.Credit Union | Exceptional | Exceptional | Exceptional | Strong | Exceptional | $404Fees | 0.385%Below | 2,094 | |
2 | VICTORY MORTGAGE, L.L.C.Independent Mortgage Company | Exceptional | Exceptional | Strong | Strong | Exceptional | $561Fees | 0.144%Below | 1,026 | |
3 | The Huntington National BankBank | Exceptional | Strong | Exceptional | Strong | Exceptional | $299Fees | 0.429%Above | 8,206 | |
4 | Third Federal Savings and Loan Association of ClevelandBank | Exceptional | Strong | Exceptional | Strong | Exceptional | $839Fees | 0.086%Above | 1,805 | |
5 | U.S. Bank National AssociationBank | Exceptional | Strong | Exceptional | Strong | Exceptional | $1,057Fees | 0.311%Above | 1,603 | |
6 | PNC Bank, National AssociationBank | Exceptional | Strong | Exceptional | Strong | Exceptional | $136Credit | 0.211%Above | 1,198 | |
7 | KeyBank National AssociationBank | Exceptional | Strong | Exceptional | Strong | Exceptional | $1,252Fees | 0.185%Above | 997 | |
8 | NAVY FEDERAL CREDIT UNIONCredit Union | Exceptional | Exceptional | Exceptional | Sound | Strong | $554Fees | 0.414%Below | 828 | |
9 | LCNB National BankBank | Exceptional | Exceptional | Strong | Sound | Exceptional | $786Fees | 0.088%Above | 526 | |
10 | Fifth Third Bank, National AssociationBank | Exceptional | Strong | Exceptional | Sound | Exceptional | $610Fees | 0.329%Above | 3,118 | |
11 | First Federal Savings and Loan Association of LakewoodBank | Exceptional | Strong | Strong | Strong | Exceptional | $966Fees | 0.241%Above | 836 | |
12 | Civista BankBank | Exceptional | Strong | Strong | Strong | Exceptional | $917Fees | 0.163%Above | 671 | |
13 | The State Bank and Trust CompanyBank | Exceptional | Strong | Strong | Strong | Exceptional | $1,292Fees | 0.061%Above | 563 | |
14 | First National Bank of PennsylvaniaBank | Exceptional | Strong | Exceptional | Strong | Strong | $1,126Fees | 0.134%Above | 543 | |
15 | Bank of America, National AssociationBank | Exceptional | Strong | Exceptional | Strong | Strong | $1,352Fees | 0.271%Below | 320 | |
16 | Union Savings BankBank | Exceptional | Sound | Exceptional | Strong | Exceptional | $984Fees | 0.172%Above | 3,119 | |
17 | JPMorgan Chase Bank, National AssociationBank | Exceptional | Sound | Exceptional | Strong | Exceptional | $2,018Fees | 0.228%Above | 2,884 | |
18 | RUOFF MORTGAGE COMPANY, INC.Independent Mortgage Company | Exceptional | Sound | Exceptional | Strong | Exceptional | $2,213Fees | 0.372%Above | 1,958 | |
19 | LOANDEPOT.COM, LLCIndependent Mortgage Company | Exceptional | Sound | Exceptional | Strong | Exceptional | $2,299Fees | 0.566%Above | 1,927 | |
20 | First Financial BankBank | Exceptional | Sound | Exceptional | Strong | Exceptional | $1,522Fees | 0.441%Above | 914 | |
21 | Citizens Bank, National AssociationBank | Exceptional | Strong | Exceptional | Sound | Strong | $248Fees | 0.195%Above | 766 | |
22 | THE EQUITABLE MORTGAGE CORPORATIONIndependent Mortgage Company | Exceptional | Strong | Strong | Sound | Exceptional | $1,601Fees | 0.139%Above | 570 | |
23 | Seven Seventeen Credit UnionCredit Union | Exceptional | Strong | Strong | Strong | Strong | $1,654Fees | 0.030%Below | 439 | |
24 | Wells Fargo Bank, National AssociationBank | Exceptional | Strong | Exceptional | Sound | Strong | $2,252Fees | 0.131%Above | 359 | |
25 | Peoples BankBank | Exceptional | Strong | Strong | Strong | Strong | $781Fees | 0.261%Above | 337 | |
26 | ROCKET MORTGAGE, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $3,563Fees | 0.479%Above | 11,005 | |
27 | UNITED WHOLESALE MORTGAGE, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $2,404Fees | 0.296%Above | 5,780 | |
28 | Premier BankBank | Strong | Sound | Strong | Strong | Exceptional | $1,066Fees | 0.405%Above | 1,037 | |
29 | EQUITY RESOURCES, INC.Independent Mortgage Company | Strong | Sound | Strong | Strong | Exceptional | $1,605Fees | 0.389%Above | 728 | |
30 | MUTUAL OF OMAHA MORTGAGE, INC.Independent Mortgage Company | Strong | Strong | Strong | Sound | Strong | $2,287Fees | 0.406%Above | 626 | |
31 | The Farmers National Bank of CanfieldBank | Strong | Sound | Strong | Strong | Exceptional | $1,227Fees | 0.389%Above | 473 | |
32 | WesBanco Bank, Inc.Bank | Strong | Sound | Exceptional | Strong | Strong | $1,462Fees | 0.199%Above | 414 | |
33 | First Commonwealth BankBank | Strong | Sound | Exceptional | Strong | Strong | $1,007Fees | 0.192%Above | 414 | |
34 | ARK-LA-TEX FINANCIAL SERVICES, LLC.Independent Mortgage Company | Strong | Sound | Exceptional | Strong | Strong | $1,154Fees | 0.448%Above | 298 | |
35 | FIRST EQUITY MORTGAGE INCORPORATEDIndependent Mortgage Company | Strong | Strong | Strong | Sound | Strong | $995Fees | 0.054%Above | 284 | |
36 | The Union Bank CompanyBank | Strong | Strong | Sound | Strong | Strong | $1,024Fees | 0.221%Above | 274 | |
37 | CROSSCOUNTRY MORTGAGE, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Exceptional | $3,360Fees | 0.722%Above | 8,629 | |
38 | UNION HOME MORTGAGE CORP.Independent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Exceptional | $3,254Fees | 0.761%Above | 3,651 | |
39 | GUARANTEED RATE, INC.Independent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Exceptional | $2,386Fees | 0.294%Above | 2,530 | |
40 | FAIRWAY INDEPENDENT MORTGAGE CORPORATIONIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Exceptional | $3,004Fees | 0.585%Above | 2,217 | |
41 | LOWER, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Exceptional | $2,803Fees | 0.616%Above | 1,789 | |
42 | HOWARD HANNA FINANCIAL SERVICES, INC.Independent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Exceptional | $2,332Fees | 0.349%Above | 1,621 | |
43 | The Park National BankBank | Strong | Acceptable | Exceptional | Strong | Exceptional | $1,325Fees | 0.430%Above | 1,229 | |
44 | PENNYMAC LOAN SERVICES, LLCIndependent Mortgage Company | Strong | Sound | Exceptional | Sound | Strong | $1,553Fees | 0.064%Above | 845 | |
45 | SUPERIOR CREDIT UNION, INC.Credit Union | Strong | Sound | Strong | Sound | Exceptional | $1,187Fees | 0.282%Above | 613 | |
46 | Nations Lending CorporationIndependent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | Strong | $3,137Fees | 0.514%Above | 512 | |
47 | Guardian Savings BankBank | Strong | Sound | Strong | Strong | Strong | $1,124Fees | 0.172%Above | 405 | |
48 | Dollar Bank, Federal Savings BankBank | Strong | Sound | Strong | Strong | Strong | $903Fees | 0.287%Above | 313 | |
49 | PRIMELENDING, A PLAINSCAPITAL COMPANYIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $2,635Fees | 0.591%Above | 1,028 | |
50 | M/I FINANCIAL, LLCIndependent Mortgage Company | Strong | Acceptable | Strong | Strong | Exceptional | $3,018Fees | 0.017%Above | 1,006 |
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.