Safe Rate Rankings
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| Rank | Lender | Overall | Pricing | Product | Pull Through | Place | Avg Fees | Rate Spread | # of Loans | Action |
|---|---|---|---|---|---|---|---|---|---|---|
1 | U.S. Bank National AssociationBank | Exceptional | Exceptional | Exceptional | Strong | Exceptional | $1,057Fees | 0.311%Above | 1,603 | |
2 | WRIGHT-PATT CREDIT UNION, INC.Credit Union | Exceptional | Exceptional | Strong | Strong | Exceptional | $404Fees | 0.385%Below | 2,094 | |
3 | Wells Fargo Bank, National AssociationBank | Exceptional | Exceptional | Exceptional | Strong | Strong | $2,252Fees | 0.131%Above | 359 | |
4 | Bank of America, National AssociationBank | Exceptional | Exceptional | Exceptional | Strong | Strong | $1,352Fees | 0.271%Below | 320 | |
5 | Fifth Third Bank, National AssociationBank | Exceptional | Strong | Exceptional | Strong | Exceptional | $610Fees | 0.329%Above | 3,118 | |
6 | GUARANTEED RATE, INC.Independent Mortgage Company | Exceptional | Strong | Exceptional | Strong | Exceptional | $2,386Fees | 0.294%Above | 2,530 | |
7 | LCNB National BankBank | Exceptional | Exceptional | — | Strong | Exceptional | $786Fees | 0.088%Above | 526 | |
8 | KeyBank National AssociationBank | Exceptional | Strong | Exceptional | Sound | Exceptional | $1,252Fees | 0.185%Above | 997 | |
9 | Citizens Bank, National AssociationBank | Exceptional | Strong | Exceptional | Strong | Strong | $248Fees | 0.195%Above | 766 | |
10 | The State Bank and Trust CompanyBank | Exceptional | Strong | Strong | Strong | Exceptional | $1,292Fees | 0.061%Above | 563 | |
11 | WesBanco Bank, Inc.Bank | Exceptional | Strong | Exceptional | Strong | Strong | $1,462Fees | 0.199%Above | 414 | |
12 | ROCKET MORTGAGE, LLCIndependent Mortgage Company | Exceptional | Sound | Exceptional | Strong | Exceptional | $3,563Fees | 0.479%Above | 11,005 | |
13 | UNITED WHOLESALE MORTGAGE, LLCIndependent Mortgage Company | Exceptional | Sound | Exceptional | Strong | Exceptional | $2,404Fees | 0.296%Above | 5,780 | |
14 | JPMorgan Chase Bank, National AssociationBank | Exceptional | Sound | Exceptional | Strong | Exceptional | $2,018Fees | 0.228%Above | 2,884 | |
15 | Third Federal Savings and Loan Association of ClevelandBank | Exceptional | Strong | Strong | Sound | Exceptional | $839Fees | 0.086%Above | 1,805 | |
16 | PNC Bank, National AssociationBank | Exceptional | Sound | Exceptional | Strong | Exceptional | $136Credit | 0.211%Above | 1,198 | |
17 | First Financial BankBank | Exceptional | Sound | Exceptional | Strong | Exceptional | $1,522Fees | 0.441%Above | 914 | |
18 | GENERAL ELECTRIC CREDIT UNIONCredit Union | Exceptional | Strong | Strong | Strong | Strong | $848Fees | 0.028%Above | 293 | |
19 | First Federal Savings and Loan Association of LakewoodBank | Strong | Sound | Strong | Strong | Exceptional | $966Fees | 0.241%Above | 836 | |
20 | Civista BankBank | Strong | Sound | Strong | Strong | Exceptional | $917Fees | 0.163%Above | 671 | |
21 | First National Bank of PennsylvaniaBank | Strong | Sound | Exceptional | Strong | Strong | $1,126Fees | 0.134%Above | 543 | |
22 | The Farmers National Bank of CanfieldBank | Strong | Sound | Strong | Strong | Exceptional | $1,227Fees | 0.389%Above | 473 | |
23 | CROSSCOUNTRY MORTGAGE, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Exceptional | $3,360Fees | 0.722%Above | 8,629 | |
24 | The Huntington National BankBank | Strong | Acceptable | Exceptional | Strong | Exceptional | $299Fees | 0.429%Above | 8,206 | |
25 | Union Savings BankBank | Strong | Acceptable | Exceptional | Strong | Exceptional | $984Fees | 0.172%Above | 3,119 | |
26 | GUARANTEED RATE AFFINITY, LLCIndependent Mortgage Company | Strong | Sound | Exceptional | Sound | Strong | $2,261Fees | 0.397%Above | 589 | |
27 | Guardian Savings BankBank | Strong | Sound | Strong | Strong | Strong | $1,124Fees | 0.172%Above | 405 | |
28 | LOWER, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Sound | Exceptional | $2,803Fees | 0.616%Above | 1,789 | |
29 | The Park National BankBank | Strong | Acceptable | Strong | Strong | Exceptional | $1,325Fees | 0.430%Above | 1,229 | |
30 | Dollar Bank, Federal Savings BankBank | Strong | Acceptable | Exceptional | Strong | Strong | $903Fees | 0.287%Above | 313 | |
31 | UNION HOME MORTGAGE CORP.Independent Mortgage Company | Strong | Acceptable | Strong | Sound | Exceptional | $3,254Fees | 0.761%Above | 3,651 | |
32 | HOWARD HANNA FINANCIAL SERVICES, INC.Independent Mortgage Company | Sound | Mediocre | Strong | Sound | Exceptional | $2,332Fees | 0.349%Above | 1,621 | |
33 | Farm Credit Mid-America, ACAIndependent Mortgage Company | Sound | Mediocre | Exceptional | Sound | Strong | $4,805Fees | 0.526%Above | 498 |
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.