Safe Rate Rankings

Best All Lender Mortgage Lenders in Wheeling

Updated May 30, 2026

⚖️ The 4 PsRankings are calculated based on observed lender differences on closed loans across Pricing, Pull-through, Product, and Place.

🛡️ No Pay to PlayLenders cannot buy their way to the top. Rankings are 100% earned.

📊 HMDA 2024Built using publicly available originated loan data from the federal government.

🎯 Peer BenchmarkedPerformance is normalized and benchmarked against peer institutions.

Market

Total Lenders19

Total Loans776

Median Rate Spread0.56%

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Rank	Lender	Overall	Pricing	Pull Through	Place	Avg Fees	Rate Spread	# of Loans
1	BAYER HERITAGE CREDIT UNIONCredit Union	Strong	Strong	Sound	Exceptional	$1,293Fees	0.410%Below	73
2	Truist BankBank	Strong	Strong	Strong	Strong	$1,936Fees	0.234%Above	65
3	The Huntington National BankBank	Strong	Strong	Strong	Strong	$311Fees	0.613%Above	35
4	WesBanco Bank, Inc.Bank	Strong	Sound	Strong	Exceptional	$1,767Fees	0.098%Above	148
5	UNITED WHOLESALE MORTGAGE, LLCIndependent Mortgage Company	Strong	Sound	Exceptional	Strong	$2,735Fees	0.396%Above	30
6	U.S. Bank National AssociationBank	Strong	Strong	Strong	Sound	$1,204Fees	0.485%Above	28
7	ROCKET MORTGAGE, LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Exceptional	$2,906Fees	0.763%Above	107
8	UNION HOME MORTGAGE CORP.Independent Mortgage Company	Strong	Acceptable	Exceptional	Strong	$2,860Fees	1.019%Above	51
9	DAS Acquisition Company, LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Strong	$2,398Fees	1.065%Above	35
10	Mortgage Research Center, LLCIndependent Mortgage Company	Strong	Acceptable	Strong	Strong	$3,298Fees	1.732%Above	29
11	MORTGAGE SOLUTIONS OF COLORADO, LLCIndependent Mortgage Company	Strong	Acceptable	Strong	Strong	$1,622Fees	1.150%Above	28
12	DEVELOPER'S MORTGAGE COMPANYIndependent Mortgage Company	Sound	Acceptable	Sound	Strong	$1,655Fees	0.060%Above	40

How We Rank Lenders

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.

Our Point System (Max 30 Points)

Pricing

Rate and fee competitiveness (33%)

Pull Through

Reliability in closing loans (33%)

Place

Local market expertise (33%)

Data Integrity & Updates

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.