Safe Rate Rankings
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| Rank | Lender | Overall | Pricing | Product | Pull Through | Place | Avg Fees | Rate Spread | # of Loans | Action |
|---|---|---|---|---|---|---|---|---|---|---|
1 | Civista BankBank | Exceptional | Strong | Strong | Strong | Exceptional | $972Fees | 0.278%Above | 156 | |
2 | The Genoa Banking CompanyBank | Exceptional | Strong | Strong | Strong | Exceptional | $1,475Fees | 0.099%Above | 79 | |
3 | The Huntington National BankBank | Exceptional | Strong | Exceptional | Strong | Strong | $633Fees | 0.560%Above | 78 | |
4 | KeyBank National AssociationBank | Exceptional | Strong | Exceptional | Strong | Strong | $1,643Fees | 0.193%Above | 41 | |
5 | NAVY FEDERAL CREDIT UNIONCredit Union | Exceptional | Exceptional | Exceptional | Sound | Sound | $467Credit | 0.172%Below | 13 | |
6 | Fifth Third Bank, National AssociationBank | Exceptional | Strong | Exceptional | Sound | Strong | $1,444Fees | 0.465%Above | 36 | |
7 | First Federal Savings and Loan Association of LorainBank | Exceptional | Exceptional | Sound | Sound | Strong | $1,126Fees | 0.207%Above | 22 | |
8 | FREMONT Federal Credit UnionCredit Union | Exceptional | Exceptional | Sound | Strong | Sound | $634Fees | 0.186%Above | 18 | |
9 | U.S. Bank National AssociationBank | Exceptional | Strong | Exceptional | Strong | Sound | $875Fees | 0.555%Above | 17 | |
10 | ROCKET MORTGAGE, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $3,835Fees | 0.471%Above | 148 | |
11 | LOANDEPOT.COM, LLCIndependent Mortgage Company | Strong | Sound | Exceptional | Strong | Strong | $2,540Fees | 0.528%Above | 41 | |
12 | PNC Bank, National AssociationBank | Strong | Strong | Exceptional | Strong | Acceptable | $241Credit | 0.247%Above | 11 | |
13 | UNITED WHOLESALE MORTGAGE, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | Strong | $2,950Fees | 0.196%Above | 41 | |
14 | RUOFF MORTGAGE COMPANY, INC.Independent Mortgage Company | Strong | Sound | Exceptional | Strong | Sound | $2,201Fees | 0.235%Above | 11 | |
15 | UNION HOME MORTGAGE CORP.Independent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $4,402Fees | 0.832%Above | 61 | |
16 | CROSSCOUNTRY MORTGAGE, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $3,333Fees | 0.689%Above | 59 | |
17 | VACATIONLAND FEDERAL CREDIT UNIONCredit Union | Strong | Strong | Acceptable | Sound | Strong | $675Fees | 0.340%Above | 21 | |
18 | Premier BankBank | Strong | Sound | Strong | Strong | Sound | $1,147Fees | 0.508%Above | 16 | |
19 | JPMorgan Chase Bank, National AssociationBank | Strong | Sound | Exceptional | Strong | Acceptable | $3,394Fees | 0.217%Above | 11 | |
20 | UNION CAPITAL MORTGAGE CORPORATIONIndependent Mortgage Company | Strong | Acceptable | Strong | Strong | Strong | $3,548Fees | 0.487%Above | 26 | |
21 | HOWARD HANNA FINANCIAL SERVICES, INC.Independent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Sound | $2,484Fees | 0.549%Above | 18 | |
22 | YOUR HOME FINANCIAL LLCIndependent Mortgage Company | Sound | Acceptable | Sound | Sound | Strong | $2,278Fees | 0.890%Above | 41 |
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.