Safe Rate Rankings
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| Rank | Lender | Overall | Pricing | Product | Pull Through | Place | Avg Fees | Rate Spread | # of Loans | Action |
|---|---|---|---|---|---|---|---|---|---|---|
1 | Union Savings BankBank | Exceptional | Exceptional | Strong | Strong | Exceptional | $984Fees | 0.172%Above | 3,119 | |
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 | KeyBank National AssociationBank | Exceptional | Exceptional | Strong | Sound | Exceptional | $1,252Fees | 0.185%Above | 997 | |
5 | First National Bank of PennsylvaniaBank | Exceptional | Exceptional | Strong | Strong | Strong | $1,126Fees | 0.134%Above | 543 | |
6 | UNITED WHOLESALE MORTGAGE, LLCIndependent Mortgage Company | Exceptional | Sound | Exceptional | Exceptional | Exceptional | $2,404Fees | 0.296%Above | 5,780 | |
7 | Fifth Third Bank, National AssociationBank | Exceptional | Strong | Exceptional | Sound | Exceptional | $610Fees | 0.329%Above | 3,118 | |
8 | U.S. Bank National AssociationBank | Exceptional | Strong | Exceptional | Sound | Exceptional | $1,057Fees | 0.311%Above | 1,603 | |
9 | FREEDOM MORTGAGE CORPORATIONIndependent Mortgage Company | Exceptional | Strong | Exceptional | Strong | Strong | $2,246Fees | 0.465%Above | 1,071 | |
10 | First Federal Savings and Loan Association of LakewoodBank | Exceptional | Exceptional | Sound | Sound | Exceptional | $966Fees | 0.241%Above | 836 | |
11 | Civista BankBank | Exceptional | Exceptional | Sound | Sound | Exceptional | $917Fees | 0.163%Above | 671 | |
12 | LCNB National BankBank | Exceptional | Exceptional | Sound | Sound | Exceptional | $786Fees | 0.088%Above | 526 | |
13 | Guardian Savings BankBank | Exceptional | Exceptional | Strong | Sound | Strong | $1,124Fees | 0.172%Above | 405 | |
14 | ARK-LA-TEX FINANCIAL SERVICES, LLC.Independent Mortgage Company | Exceptional | Strong | Exceptional | Strong | Strong | $1,154Fees | 0.448%Above | 298 | |
15 | WRIGHT-PATT CREDIT UNION, INC.Credit Union | Exceptional | Strong | Strong | Sound | Exceptional | $404Fees | 0.385%Below | 2,094 | |
16 | LOANDEPOT.COM, LLCIndependent Mortgage Company | Exceptional | Sound | Exceptional | Strong | Exceptional | $2,299Fees | 0.566%Above | 1,927 | |
17 | PNC Bank, National AssociationBank | Exceptional | Strong | Strong | Sound | Exceptional | $136Credit | 0.211%Above | 1,198 | |
18 | M/I FINANCIAL, LLCIndependent Mortgage Company | Exceptional | Sound | Exceptional | Strong | Exceptional | $3,018Fees | 0.017%Above | 1,006 | |
19 | PENNYMAC LOAN SERVICES, LLCIndependent Mortgage Company | Exceptional | Strong | Exceptional | Sound | Strong | $1,553Fees | 0.064%Above | 845 | |
20 | THE EQUITABLE MORTGAGE CORPORATIONIndependent Mortgage Company | Exceptional | Strong | Strong | Sound | Exceptional | $1,601Fees | 0.139%Above | 570 | |
21 | The State Bank and Trust CompanyBank | Exceptional | Strong | Sound | Strong | Exceptional | $1,292Fees | 0.061%Above | 563 | |
22 | WesBanco Bank, Inc.Bank | Exceptional | Strong | Strong | Strong | Strong | $1,462Fees | 0.199%Above | 414 | |
23 | First Commonwealth BankBank | Exceptional | Strong | Strong | Strong | Strong | $1,007Fees | 0.192%Above | 414 | |
24 | GoodLeap, LLCIndependent Mortgage Company | Exceptional | Strong | Exceptional | Sound | Strong | $3,352Fees | 0.074%Above | 376 | |
25 | The Union Bank CompanyBank | Exceptional | Exceptional | Sound | Sound | Strong | $1,024Fees | 0.221%Above | 274 | |
26 | ROCKET MORTGAGE, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $3,563Fees | 0.479%Above | 11,005 | |
27 | UNION HOME MORTGAGE CORP.Independent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $3,254Fees | 0.761%Above | 3,651 | |
28 | NFM, INC.Independent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $3,704Fees | 0.644%Above | 2,434 | |
29 | FAIRWAY INDEPENDENT MORTGAGE CORPORATIONIndependent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $3,004Fees | 0.585%Above | 2,217 | |
30 | HOWARD HANNA FINANCIAL SERVICES, INC.Independent Mortgage Company | Strong | Sound | Strong | Strong | Exceptional | $2,332Fees | 0.349%Above | 1,621 | |
31 | NEWREZ LLCIndependent Mortgage Company | Strong | Sound | Exceptional | Sound | Exceptional | $1,861Fees | 0.535%Above | 1,398 | |
32 | Premier BankBank | Strong | Strong | Sound | Sound | Exceptional | $1,066Fees | 0.405%Above | 1,037 | |
33 | Citizens Bank, National AssociationBank | Strong | Strong | Strong | Sound | Strong | $248Fees | 0.195%Above | 766 | |
34 | Flagstar Bank, N.A.Bank | Strong | Sound | Exceptional | Strong | Strong | $2,341Fees | 0.583%Above | 642 | |
35 | Dollar Bank, Federal Savings BankBank | Strong | Strong | Strong | Sound | Strong | $903Fees | 0.287%Above | 313 | |
36 | RMC HOME MORTGAGE, LLCIndependent Mortgage Company | Strong | Sound | Exceptional | Strong | Strong | $4,248Fees | 0.232%Above | 311 | |
37 | JPMorgan Chase Bank, National AssociationBank | Strong | Sound | Strong | Sound | Exceptional | $2,018Fees | 0.228%Above | 2,884 | |
38 | GUARANTEED RATE, INC.Independent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Exceptional | $2,386Fees | 0.294%Above | 2,530 | |
39 | RUOFF MORTGAGE COMPANY, INC.Independent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Exceptional | $2,213Fees | 0.372%Above | 1,958 | |
40 | LOWER, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Exceptional | $2,803Fees | 0.616%Above | 1,789 | |
41 | PRIMELENDING, A PLAINSCAPITAL COMPANYIndependent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | Strong | $2,635Fees | 0.591%Above | 1,028 | |
42 | FIRST COMMUNITY MORTGAGE, INC.Independent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | Strong | $3,000Fees | 0.461%Above | 999 | |
43 | First Financial BankBank | Strong | Sound | Strong | Sound | Exceptional | $1,522Fees | 0.441%Above | 914 | |
44 | Synergy One Lending, Inc.Independent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Exceptional | $3,266Fees | 0.544%Above | 850 | |
45 | T2 FINANCIAL LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | Strong | $3,186Fees | 0.547%Above | 552 | |
46 | Nations Lending CorporationIndependent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | Strong | $3,137Fees | 0.514%Above | 512 | |
47 | EQUITY RESOURCES, INC.Independent Mortgage Company | Strong | Acceptable | Strong | Strong | Exceptional | $1,605Fees | 0.389%Above | 728 | |
48 | GUARANTEED RATE AFFINITY, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $2,261Fees | 0.397%Above | 589 | |
49 | UNION CAPITAL MORTGAGE CORPORATIONIndependent Mortgage Company | Strong | Acceptable | Strong | Strong | Exceptional | $2,825Fees | 0.318%Above | 469 | |
50 | Paramount Residential Mortgage Group, Inc.Independent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $3,777Fees | 0.642%Above | 455 |
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.