Safe Rate Rankings
Shopping for a mortgage? Click the heart icon to save lenders to My Home and make comparison painless.
| Rank | Lender | Overall | Pricing | Product | Pull Through | Place | Avg Fees | Rate Spread | # of Loans | Action |
|---|---|---|---|---|---|---|---|---|---|---|
1 | Union Savings BankBank | Exceptional | Exceptional | Strong | Exceptional | Exceptional | $984Fees | 0.172%Above | 3,119 | |
2 | UNITED WHOLESALE MORTGAGE, LLCIndependent Mortgage Company | Exceptional | Strong | Exceptional | Exceptional | Exceptional | $2,404Fees | 0.296%Above | 5,780 | |
3 | Fifth Third Bank, National AssociationBank | Exceptional | Exceptional | Strong | Strong | Exceptional | $610Fees | 0.329%Above | 3,118 | |
4 | KeyBank National AssociationBank | Exceptional | Exceptional | Strong | Strong | Exceptional | $1,252Fees | 0.185%Above | 997 | |
5 | The Huntington National BankBank | Exceptional | Strong | Exceptional | Strong | Exceptional | $299Fees | 0.429%Above | 8,206 | |
6 | GUARANTEED RATE, INC.Independent Mortgage Company | Exceptional | Strong | Exceptional | Strong | Exceptional | $2,386Fees | 0.294%Above | 2,530 | |
7 | U.S. Bank National AssociationBank | Exceptional | Strong | Exceptional | Strong | Exceptional | $1,057Fees | 0.311%Above | 1,603 | |
8 | NAVY FEDERAL CREDIT UNIONCredit Union | Exceptional | Exceptional | Exceptional | Sound | Strong | $554Fees | 0.414%Below | 828 | |
9 | LCNB National BankBank | Exceptional | Exceptional | Sound | Strong | Exceptional | $786Fees | 0.088%Above | 526 | |
10 | JPMorgan Chase Bank, National AssociationBank | Exceptional | Strong | Exceptional | Sound | Exceptional | $2,018Fees | 0.228%Above | 2,884 | |
11 | FREEDOM MORTGAGE CORPORATIONIndependent Mortgage Company | Exceptional | Strong | Exceptional | Strong | Strong | $2,246Fees | 0.465%Above | 1,071 | |
12 | VICTORY MORTGAGE, L.L.C.Independent Mortgage Company | Exceptional | Strong | Strong | Strong | Exceptional | $561Fees | 0.144%Below | 1,026 | |
13 | M/I FINANCIAL, LLCIndependent Mortgage Company | Exceptional | Sound | Exceptional | Exceptional | Exceptional | $3,018Fees | 0.017%Above | 1,006 | |
14 | PENNYMAC LOAN SERVICES, LLCIndependent Mortgage Company | Exceptional | Strong | Exceptional | Strong | Strong | $1,553Fees | 0.064%Above | 845 | |
15 | GUARANTEED RATE AFFINITY, LLCIndependent Mortgage Company | Exceptional | Strong | Exceptional | Strong | Strong | $2,261Fees | 0.397%Above | 589 | |
16 | THE EQUITABLE MORTGAGE CORPORATIONIndependent Mortgage Company | Exceptional | Strong | Strong | Strong | Exceptional | $1,601Fees | 0.139%Above | 570 | |
17 | LOANDEPOT.COM, LLCIndependent Mortgage Company | Exceptional | Sound | Exceptional | Strong | Exceptional | $2,299Fees | 0.566%Above | 1,927 | |
18 | NEWREZ LLCIndependent Mortgage Company | Exceptional | Sound | Exceptional | Strong | Exceptional | $1,861Fees | 0.535%Above | 1,398 | |
19 | PRIMELENDING, A PLAINSCAPITAL COMPANYIndependent Mortgage Company | Exceptional | Sound | Exceptional | Exceptional | Strong | $2,635Fees | 0.591%Above | 1,028 | |
20 | First Federal Savings and Loan Association of LakewoodBank | Exceptional | Strong | — | Strong | Exceptional | $966Fees | 0.241%Above | 836 | |
21 | Civista BankBank | Exceptional | Strong | — | Strong | Exceptional | $917Fees | 0.163%Above | 671 | |
22 | First National Bank of PennsylvaniaBank | Exceptional | Strong | Strong | Strong | Strong | $1,126Fees | 0.134%Above | 543 | |
23 | USAA Federal Savings BankBank | Exceptional | Strong | Exceptional | Sound | Strong | $1,562Fees | 0.103%Below | 426 | |
24 | MOVEMENT MORTGAGE, LLCIndependent Mortgage Company | Exceptional | Sound | Exceptional | Exceptional | Strong | $2,835Fees | 0.529%Above | 389 | |
25 | CMG MORTGAGE, INC.Independent Mortgage Company | Exceptional | Sound | Exceptional | Exceptional | Strong | $2,004Fees | 0.447%Above | 320 | |
26 | ARK-LA-TEX FINANCIAL SERVICES, LLC.Independent Mortgage Company | Exceptional | Sound | Exceptional | Exceptional | Strong | $1,154Fees | 0.448%Above | 298 | |
27 | ROCKET MORTGAGE, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $3,563Fees | 0.479%Above | 11,005 | |
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 | Citizens Bank, National AssociationBank | Strong | Strong | Strong | Sound | Strong | $248Fees | 0.195%Above | 766 | |
32 | EQUITY RESOURCES, INC.Independent Mortgage Company | Strong | Sound | Strong | Strong | Exceptional | $1,605Fees | 0.389%Above | 728 | |
33 | Flagstar Bank, N.A.Bank | Strong | Sound | Exceptional | Strong | Strong | $2,341Fees | 0.583%Above | 642 | |
34 | MUTUAL OF OMAHA MORTGAGE, INC.Independent Mortgage Company | Strong | Sound | Exceptional | Strong | Strong | $2,287Fees | 0.406%Above | 626 | |
35 | Paramount Residential Mortgage Group, Inc.Independent Mortgage Company | Strong | Sound | Exceptional | Strong | Strong | $3,777Fees | 0.642%Above | 455 | |
36 | WesBanco Bank, Inc.Bank | Strong | Strong | Strong | Sound | Strong | $1,462Fees | 0.199%Above | 414 | |
37 | First Commonwealth BankBank | Strong | Strong | Sound | Strong | Strong | $1,007Fees | 0.192%Above | 414 | |
38 | FIRST EQUITY MORTGAGE INCORPORATEDIndependent Mortgage Company | Strong | Strong | Strong | Sound | Strong | $995Fees | 0.054%Above | 284 | |
39 | The Union Bank CompanyBank | Strong | Strong | Sound | Strong | Strong | $1,024Fees | 0.221%Above | 274 | |
40 | CROSSCOUNTRY MORTGAGE, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Exceptional | $3,360Fees | 0.722%Above | 8,629 | |
41 | UNION HOME MORTGAGE CORP.Independent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Exceptional | $3,254Fees | 0.761%Above | 3,651 | |
42 | Mortgage Research Center, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Exceptional | $1,522Fees | 0.698%Above | 2,573 | |
43 | WRIGHT-PATT CREDIT UNION, INC.Credit Union | Strong | Sound | Strong | Sound | Exceptional | $404Fees | 0.385%Below | 2,094 | |
44 | RUOFF MORTGAGE COMPANY, INC.Independent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Exceptional | $2,213Fees | 0.372%Above | 1,958 | |
45 | LOWER, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Exceptional | $2,803Fees | 0.616%Above | 1,789 | |
46 | PNC Bank, National AssociationBank | Strong | Sound | Strong | Sound | Exceptional | $136Credit | 0.211%Above | 1,198 | |
47 | FIRST COMMUNITY MORTGAGE, INC.Independent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | Strong | $3,000Fees | 0.461%Above | 999 | |
48 | T2 FINANCIAL LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | Strong | $3,186Fees | 0.547%Above | 552 | |
49 | AMERICAN NEIGHBORHOOD MORTGAGE ACCEPTANCE COMPANY LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | Strong | $3,279Fees | 0.671%Above | 458 | |
50 | RMC HOME MORTGAGE, LLCIndependent Mortgage Company | Strong | Sound | Strong | Strong | Strong | $4,248Fees | 0.232%Above | 311 |
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.