Safe Rate Rankings

Best FHA 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	Product	Pull Through	Place	Avg Fees	Rate Spread	# of Loans
1	WesBanco Bank, Inc.Bank	Exceptional	Strong	Strong	Strong	Exceptional	$1,767Fees	0.098%Above	148
2	The Huntington National BankBank	Exceptional	Strong	Exceptional	Strong	Strong	$311Fees	0.613%Above	35
3	UNITED WHOLESALE MORTGAGE, LLCIndependent Mortgage Company	Exceptional	Sound	Exceptional	Exceptional	Strong	$2,735Fees	0.396%Above	30
4	ROCKET MORTGAGE, LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Exceptional	Exceptional	$2,906Fees	0.763%Above	107
5	U.S. Bank National AssociationBank	Strong	Strong	Exceptional	Sound	Sound	$1,204Fees	0.485%Above	28
6	UNION HOME MORTGAGE CORP.Independent Mortgage Company	Strong	Acceptable	Exceptional	Exceptional	Strong	$2,860Fees	1.019%Above	51
7	MORTGAGE SOLUTIONS OF COLORADO, LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Strong	$1,622Fees	1.150%Above	28
8	DAS Acquisition Company, LLCIndependent Mortgage Company	Strong	Mediocre	Exceptional	Exceptional	Strong	$2,398Fees	1.065%Above	35
9	Equity Prime Mortgage LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Sound	$2,485Fees	1.139%Above	11
10	Gateway First BankBank	Strong	Acceptable	Exceptional	Strong	Sound	$2,303Fees	1.113%Above	11
11	DEVELOPER'S MORTGAGE COMPANYIndependent Mortgage Company	Strong	Acceptable	Strong	Sound	Strong	$1,655Fees	0.060%Above	40
12	CROSSCOUNTRY MORTGAGE, LLCIndependent Mortgage Company	Sound	Mediocre	Exceptional	Strong	Sound	$2,421Fees	0.529%Above	11

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 40 Points)

Pricing

Rate and fee competitiveness (25%)

Pull Through

Reliability in closing loans (25%)

Product

Specialization in the loan type (25%)

Place

Local market expertise (25%)

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.