Our rankings are earned, not bought. We analyze 2,347 lenders using federal HMDA data—no pay-to-play, no cherry-picking. You see the best options based on performance metrics, not advertising dollars.
Safe Rate Rankings
| Rank | Lender | Overall | Pricing | Product | Pull Through | Place | Avg Fees | Spread | Volume | Action |
|---|---|---|---|---|---|---|---|---|---|---|
1 | City National Bank of West Virginia | Exceptional | Strong | Exceptional | Strong | Exceptional | -$27 | -0.138% | 635 | |
2 | The Huntington National Bank | Exceptional | Strong | Exceptional | Strong | Exceptional | $417 | +0.321% | 586 | |
3 | Truist Bank | Exceptional | Strong | Exceptional | Strong | Exceptional | $1,487 | +0.238% | 366 | |
4 | NAVY FEDERAL CREDIT UNION | Exceptional | Exceptional | Exceptional | Sound | Strong | $829 | -0.317% | 248 | |
5 | THE STATE CREDIT UNION | Exceptional | Exceptional | Sound | Exceptional | Strong | $250 | -0.285% | 47 | |
6 | WEST VIRGINIA FEDERAL CREDIT UNION | Exceptional | Exceptional | Sound | Exceptional | Strong | $368 | -0.120% | 39 | |
7 | PNC Bank, National Association | Exceptional | Strong | Exceptional | Strong | Strong | $1,087 | +0.192% | 102 | |
8 | U.S. Bank National Association | Exceptional | Strong | Exceptional | Strong | Strong | $1,321 | +0.363% | 91 | |
9 | First National Bank of Pennsylvania | Exceptional | Strong | Exceptional | Strong | Strong | $1,309 | +0.150% | 79 | |
10 | First Federal Savings and Loan Association of Greene Co | Exceptional | Exceptional | Sound | Strong | Strong | $550 | +0.004% | 48 | |
11 | LOANDEPOT.COM, LLC | Exceptional | Sound | Exceptional | Strong | Exceptional | $1,974 | +0.263% | 642 | |
12 | WesBanco Bank, Inc. | Exceptional | Sound | Exceptional | Strong | Exceptional | $1,769 | +0.053% | 565 | |
13 | First Heritage Mortgage, LLC | Exceptional | Sound | Exceptional | Exceptional | Strong | $2,951 | +0.098% | 175 | |
14 | Peoples Bank | Exceptional | Strong | Strong | Strong | Strong | $1,249 | +0.239% | 147 | |
15 | HANCOCK COUNTY SAVINGS BANK, FSB, INC. | Exceptional | Strong | Strong | Strong | Strong | $504 | +0.002% | 103 | |
16 | BAYER HERITAGE CREDIT UNION | Exceptional | Strong | Strong | Strong | Strong | $1,278 | -0.450% | 101 | |
17 | FAIRMONT | Exceptional | Exceptional | Sound | Sound | Strong | $766 | -0.760% | 81 | |
18 | Wells Fargo Bank, National Association | Exceptional | Strong | Exceptional | Sound | Strong | $2,247 | +0.247% | 77 | |
19 | Fifth Third Bank, National Association | Exceptional | Strong | Exceptional | Sound | Strong | $1,027 | +0.561% | 77 | |
20 | FIRST PEOPLES COMMUNITY FEDERAL CREDIT UNION | Exceptional | Exceptional | Sound | Sound | Strong | $954 | -0.381% | 33 | |
21 | NBKC BANK | Exceptional | Exceptional | Strong | Sound | Sound | $937 | -0.160% | 31 | |
22 | ROCKET MORTGAGE, LLC | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $3,539 | +0.585% | 1,554 | |
23 | UNITED WHOLESALE MORTGAGE, LLC | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $2,564 | +0.346% | 467 | |
24 | INTERCOASTAL MORTGAGE, LLC | Strong | Sound | Strong | Strong | Exceptional | $1,700 | +0.167% | 223 | |
25 | JPMorgan Chase Bank, National Association | Strong | Sound | Exceptional | Strong | Strong | $2,059 | +0.421% | 199 | |
26 | Atlantic Coast Mortgage, LLC | Strong | Sound | Exceptional | Strong | Strong | $3,008 | +0.260% | 193 | |
27 | Clear Mountain Bank | Strong | Sound | Strong | Strong | Exceptional | $980 | +0.141% | 175 | |
28 | The Ohio Valley Bank Company | Strong | Strong | Sound | Strong | Strong | $606 | -0.978% | 86 | |
29 | Huntington Federal Savings Bank | Strong | Strong | Sound | Strong | Strong | $1,058 | -0.098% | 82 | |
30 | MOVEMENT MORTGAGE, LLC | Strong | Acceptable | Exceptional | Strong | Exceptional | $2,559 | +0.527% | 662 | |
31 | PRIMELENDING, A PLAINSCAPITAL COMPANY | Strong | Acceptable | Exceptional | Strong | Exceptional | $2,401 | +0.367% | 417 | |
32 | Gateway First Bank | Strong | Acceptable | Exceptional | Strong | Exceptional | $1,970 | +0.637% | 270 | |
33 | Alcova Mortgage LLC | Strong | Acceptable | Exceptional | Exceptional | Strong | $2,158 | +0.723% | 175 | |
34 | United Bank | Strong | Sound | Strong | Strong | Strong | $1,601 | +0.179% | 164 | |
35 | Atlantic Union Bank | Strong | Sound | Strong | Strong | Strong | $1,856 | +0.590% | 148 | |
36 | PENNYMAC LOAN SERVICES, LLC | Strong | Sound | Exceptional | Sound | Strong | $3,413 | -0.475% | 82 | |
37 | Burke & Herbert Bank & Trust Company | Strong | Strong | Sound | Sound | Strong | $1,237 | +0.291% | 77 | |
38 | Integrity Home Mortgage Corporation | Strong | Acceptable | Strong | Strong | Exceptional | $4,298 | +0.521% | 414 | |
39 | HOMESPIRE MORTGAGE CORPORATION | Strong | Acceptable | Strong | Strong | Exceptional | $3,233 | +0.236% | 309 | |
40 | CROSSCOUNTRY MORTGAGE, LLC | Strong | Acceptable | Exceptional | Strong | Strong | $3,364 | +0.729% | 227 | |
41 | GUARANTEED RATE, INC. | Strong | Acceptable | Exceptional | Strong | Strong | $2,335 | +0.738% | 184 | |
42 | VICTORIAN FINANCE, LLC | Strong | Acceptable | Strong | Strong | Exceptional | $1,915 | +0.204% | 166 | |
43 | FREEDOM MORTGAGE CORPORATION | Strong | Sound | Strong | Sound | Strong | $2,285 | +0.449% | 122 | |
44 | UNION HOME MORTGAGE CORP. | Strong | Acceptable | Exceptional | Strong | Strong | $2,930 | +0.643% | 114 | |
45 | Sierra Pacific Mortgage Company, Inc. | Strong | Acceptable | Exceptional | Strong | Strong | $4,613 | +0.441% | 101 | |
46 | NATIONSTAR MORTGAGE LLC | Strong | Acceptable | Exceptional | Strong | Strong | $3,395 | +0.841% | 85 | |
47 | STOCKTON MORTGAGE CORPORATION | Strong | Acceptable | Exceptional | Strong | Strong | $2,681 | +0.871% | 77 | |
48 | Flagstar Bank, N.A. | Strong | Acceptable | Exceptional | Strong | Strong | $2,392 | +0.373% | 75 | |
49 | MILLENNIUM FINANCIAL GROUP, INC. | Strong | Sound | Sound | Strong | Strong | $2,471 | +0.390% | 35 | |
50 | C & F Mortgage Corporation | Strong | Acceptable | Strong | Strong | Strong | $3,139 | +0.481% | 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.
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