Safe Rate Rankings
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| Rank | Lender | Overall | Pricing | Pull Through | Place | Avg Fees | Rate Spread | # of Loans | Action |
|---|---|---|---|---|---|---|---|---|---|
1 | Civista BankBank | Exceptional | Strong | Strong | Exceptional | $972Fees | 0.278%Above | 156 | |
2 | The Genoa Banking CompanyBank | Exceptional | Strong | Strong | Exceptional | $1,475Fees | 0.099%Above | 79 | |
3 | The Huntington National BankBank | Strong | Strong | Strong | Strong | $633Fees | 0.560%Above | 78 | |
4 | KeyBank National AssociationBank | Strong | Strong | Strong | Strong | $1,643Fees | 0.193%Above | 41 | |
5 | Fifth Third Bank, National AssociationBank | Strong | Strong | Strong | Strong | $1,444Fees | 0.465%Above | 36 | |
6 | First Federal Savings and Loan Association of LorainBank | Strong | Exceptional | Acceptable | Strong | $1,126Fees | 0.207%Above | 22 | |
7 | UNITED WHOLESALE MORTGAGE, LLCIndependent Mortgage Company | Strong | Sound | Exceptional | Strong | $2,950Fees | 0.196%Above | 41 | |
8 | ROCKET MORTGAGE, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | $3,835Fees | 0.471%Above | 148 | |
9 | LOANDEPOT.COM, LLCIndependent Mortgage Company | Strong | Sound | Strong | Strong | $2,540Fees | 0.528%Above | 41 | |
10 | UNION HOME MORTGAGE CORP.Independent Mortgage Company | Strong | Acceptable | Exceptional | Strong | $4,402Fees | 0.832%Above | 61 | |
11 | CROSSCOUNTRY MORTGAGE, LLCIndependent Mortgage Company | Strong | Acceptable | Strong | Strong | $3,333Fees | 0.689%Above | 59 | |
12 | UNION CAPITAL MORTGAGE CORPORATIONIndependent Mortgage Company | Strong | Acceptable | Strong | Strong | $3,548Fees | 0.487%Above | 26 | |
13 | VACATIONLAND FEDERAL CREDIT UNIONCredit Union | Strong | Sound | Acceptable | Strong | $675Fees | 0.340%Above | 21 | |
14 | YOUR HOME FINANCIAL LLCIndependent Mortgage Company | Sound | Acceptable | Sound | Strong | $2,278Fees | 0.890%Above | 41 | |
15 | Mortgage Research Center, LLCIndependent Mortgage Company | Sound | Acceptable | Strong | Sound | $1,237Fees | 1.162%Above | 25 |
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.