Safe Rate Rankings
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| Rank | Lender | Overall | Pricing | Product | Pull Through | Place | Avg Fees | Rate Spread | # of Loans | Action |
|---|---|---|---|---|---|---|---|---|---|---|
1 | City National Bank of West VirginiaBank | Exceptional | Strong | Exceptional | Strong | Exceptional | $27Credit | 0.138%Below | 635 | |
2 | The Huntington National BankBank | Exceptional | Strong | Exceptional | Strong | Exceptional | $417Fees | 0.321%Above | 586 | |
3 | Truist BankBank | Exceptional | Strong | Exceptional | Strong | Exceptional | $1,487Fees | 0.238%Above | 366 | |
4 | NAVY FEDERAL CREDIT UNIONCredit Union | Exceptional | Exceptional | Exceptional | Sound | Strong | $829Fees | 0.317%Below | 248 | |
5 | THE STATE CREDIT UNIONCredit Union | Exceptional | Exceptional | Sound | Exceptional | Strong | $250Fees | 0.285%Below | 47 | |
6 | WEST VIRGINIA FEDERAL CREDIT UNIONCredit Union | Exceptional | Exceptional | Sound | Exceptional | Strong | $368Fees | 0.120%Below | 39 | |
7 | PNC Bank, National AssociationBank | Exceptional | Strong | Exceptional | Strong | Strong | $1,087Fees | 0.192%Above | 102 | |
8 | U.S. Bank National AssociationBank | Exceptional | Strong | Exceptional | Strong | Strong | $1,321Fees | 0.363%Above | 91 | |
9 | First National Bank of PennsylvaniaBank | Exceptional | Strong | Exceptional | Strong | Strong | $1,309Fees | 0.150%Above | 79 | |
10 | First Federal Savings and Loan Association of Greene CoBank | Exceptional | Exceptional | Sound | Strong | Strong | $550Fees | 0.004%Above | 48 | |
11 | LOANDEPOT.COM, LLCIndependent Mortgage Company | Exceptional | Sound | Exceptional | Strong | Exceptional | $1,974Fees | 0.263%Above | 642 | |
12 | WesBanco Bank, Inc.Bank | Exceptional | Sound | Exceptional | Strong | Exceptional | $1,769Fees | 0.053%Above | 565 | |
13 | First Heritage Mortgage, LLCIndependent Mortgage Company | Exceptional | Sound | Exceptional | Exceptional | Strong | $2,951Fees | 0.098%Above | 175 | |
14 | Peoples BankBank | Exceptional | Strong | Strong | Strong | Strong | $1,249Fees | 0.239%Above | 147 | |
15 | HANCOCK COUNTY SAVINGS BANK, FSB, INC.Bank | Exceptional | Strong | Strong | Strong | Strong | $504Fees | 0.002%Above | 103 | |
16 | BAYER HERITAGE CREDIT UNIONCredit Union | Exceptional | Strong | Strong | Strong | Strong | $1,278Fees | 0.450%Below | 101 | |
17 | FAIRMONTCredit Union | Exceptional | Exceptional | Sound | Sound | Strong | $766Fees | 0.760%Below | 81 | |
18 | Wells Fargo Bank, National AssociationBank | Exceptional | Strong | Exceptional | Sound | Strong | $2,247Fees | 0.247%Above | 77 | |
19 | Fifth Third Bank, National AssociationBank | Exceptional | Strong | Exceptional | Sound | Strong | $1,027Fees | 0.561%Above | 77 | |
20 | FIRST PEOPLES COMMUNITY FEDERAL CREDIT UNIONCredit Union | Exceptional | Exceptional | Sound | Sound | Strong | $954Fees | 0.381%Below | 33 | |
21 | NBKC BANKBank | Exceptional | Exceptional | Strong | Sound | Sound | $937Fees | 0.160%Below | 31 | |
22 | ROCKET MORTGAGE, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $3,539Fees | 0.585%Above | 1,554 | |
23 | UNITED WHOLESALE MORTGAGE, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $2,564Fees | 0.346%Above | 467 | |
24 | INTERCOASTAL MORTGAGE, LLCIndependent Mortgage Company | Strong | Sound | Strong | Strong | Exceptional | $1,700Fees | 0.167%Above | 223 | |
25 | JPMorgan Chase Bank, National AssociationBank | Strong | Sound | Exceptional | Strong | Strong | $2,059Fees | 0.421%Above | 199 | |
26 | Atlantic Coast Mortgage, LLCIndependent Mortgage Company | Strong | Sound | Exceptional | Strong | Strong | $3,008Fees | 0.260%Above | 193 | |
27 | Clear Mountain BankBank | Strong | Sound | Strong | Strong | Exceptional | $980Fees | 0.141%Above | 175 | |
28 | The Ohio Valley Bank CompanyBank | Strong | Strong | Sound | Strong | Strong | $606Fees | 0.978%Below | 86 | |
29 | Huntington Federal Savings BankBank | Strong | Strong | Sound | Strong | Strong | $1,058Fees | 0.098%Below | 82 | |
30 | MOVEMENT MORTGAGE, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Exceptional | $2,559Fees | 0.527%Above | 662 | |
31 | PRIMELENDING, A PLAINSCAPITAL COMPANYIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Exceptional | $2,401Fees | 0.367%Above | 417 | |
32 | Gateway First BankBank | Strong | Acceptable | Exceptional | Strong | Exceptional | $1,970Fees | 0.637%Above | 270 | |
33 | Alcova Mortgage LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | Strong | $2,158Fees | 0.723%Above | 175 | |
34 | United BankBank | Strong | Sound | Strong | Strong | Strong | $1,601Fees | 0.179%Above | 164 | |
35 | Atlantic Union BankBank | Strong | Sound | Strong | Strong | Strong | $1,856Fees | 0.590%Above | 148 | |
36 | PENNYMAC LOAN SERVICES, LLCIndependent Mortgage Company | Strong | Sound | Exceptional | Sound | Strong | $3,413Fees | 0.475%Below | 82 | |
37 | Burke & Herbert Bank & Trust CompanyBank | Strong | Strong | Sound | Sound | Strong | $1,237Fees | 0.291%Above | 77 | |
38 | Integrity Home Mortgage CorporationIndependent Mortgage Company | Strong | Acceptable | Strong | Strong | Exceptional | $4,298Fees | 0.521%Above | 414 | |
39 | HOMESPIRE MORTGAGE CORPORATIONIndependent Mortgage Company | Strong | Acceptable | Strong | Strong | Exceptional | $3,233Fees | 0.236%Above | 309 | |
40 | CROSSCOUNTRY MORTGAGE, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $3,364Fees | 0.729%Above | 227 | |
41 | GUARANTEED RATE, INC.Independent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $2,335Fees | 0.738%Above | 184 | |
42 | VICTORIAN FINANCE, LLCIndependent Mortgage Company | Strong | Acceptable | Strong | Strong | Exceptional | $1,915Fees | 0.204%Above | 166 | |
43 | FREEDOM MORTGAGE CORPORATIONIndependent Mortgage Company | Strong | Sound | Strong | Sound | Strong | $2,285Fees | 0.449%Above | 122 | |
44 | UNION HOME MORTGAGE CORP.Independent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $2,930Fees | 0.643%Above | 114 | |
45 | Sierra Pacific Mortgage Company, Inc.Independent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $4,613Fees | 0.441%Above | 101 | |
46 | NATIONSTAR MORTGAGE LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $3,395Fees | 0.841%Above | 85 | |
47 | STOCKTON MORTGAGE CORPORATIONIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $2,681Fees | 0.871%Above | 77 | |
48 | Flagstar Bank, N.A.Bank | Strong | Acceptable | Exceptional | Strong | Strong | $2,392Fees | 0.373%Above | 75 | |
49 | MILLENNIUM FINANCIAL GROUP, INC.Independent Mortgage Company | Strong | Sound | Sound | Strong | Strong | $2,471Fees | 0.390%Above | 35 | |
50 | C & F Mortgage CorporationIndependent Mortgage Company | Strong | Acceptable | Strong | Strong | Strong | $3,139Fees | 0.481%Above | 47 |
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.