Safe Rate Rankings
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| Rank | Lender | Overall | Pricing | Product | Pull Through | Place | Avg Fees | Rate Spread | # of Loans | Action |
|---|---|---|---|---|---|---|---|---|---|---|
1 | CITIZENS EQUITY FIRSTCredit Union | Exceptional | Exceptional | Exceptional | Exceptional | Strong | $29Fees | 0.024%Below | 108 | |
2 | ILLINOIS STATECredit Union | Exceptional | Exceptional | Sound | Exceptional | Strong | $516Fees | 0.318%Below | 73 | |
3 | FIRST STATE MORTGAGE SERVICES, LLCIndependent Mortgage Company | Exceptional | Sound | Exceptional | Exceptional | Exceptional | $1,732Fees | 0.332%Above | 580 | |
4 | PNC Bank, National AssociationBank | Exceptional | Strong | Exceptional | Strong | Strong | $498Credit | 0.052%Above | 63 | |
5 | IAA Credit UnionCredit Union | Exceptional | Exceptional | Sound | Strong | Strong | $653Fees | 0.037%Below | 53 | |
6 | Busey BankBank | Exceptional | Strong | Strong | Exceptional | Strong | $847Fees | 0.240%Above | 42 | |
7 | NAVY FEDERAL CREDIT UNIONCredit Union | Exceptional | Exceptional | Exceptional | Sound | Sound | $8Credit | 0.508%Below | 15 | |
8 | PROVIDENT FUNDING ASSOCIATES, L.P.Independent Mortgage Company | Exceptional | Exceptional | Exceptional | Sound | Sound | $30Credit | 0.063%Above | 14 | |
9 | Heartland Bank and Trust CompanyBank | Exceptional | Strong | Strong | Strong | Strong | $372Fees | 0.306%Above | 35 | |
10 | U.S. Bank National AssociationBank | Exceptional | Strong | Exceptional | Strong | Sound | $522Fees | 0.249%Above | 33 | |
11 | INB, National AssociationBank | Exceptional | Strong | Strong | Exceptional | Sound | $700Fees | 0.234%Above | 24 | |
12 | Prairie State Bank and TrustBank | Exceptional | Exceptional | Sound | Strong | Sound | $498Fees | 0.043%Above | 11 | |
13 | FLAT BRANCH MORTGAGE, INC.Independent Mortgage Company | Strong | Sound | Exceptional | Exceptional | Sound | $1,107Fees | 0.371%Above | 31 | |
14 | Wells Fargo Bank, National AssociationBank | Strong | Strong | Exceptional | Sound | Sound | $2,019Fees | 0.077%Above | 13 | |
15 | ROCKET MORTGAGE, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | Strong | $3,397Fees | 0.447%Above | 107 | |
16 | Morton Community BankBank | Strong | Sound | Strong | Strong | Strong | $675Fees | 0.218%Above | 50 | |
17 | POINT MORTGAGE CORPORATIONIndependent Mortgage Company | Strong | Sound | Strong | Strong | Strong | $1,654Fees | 0.233%Above | 48 | |
18 | JPMorgan Chase Bank, National AssociationBank | Strong | Sound | Exceptional | Strong | Sound | $1,846Fees | 0.045%Above | 39 | |
19 | LOANDEPOT.COM, LLCIndependent Mortgage Company | Strong | Sound | Exceptional | Strong | Sound | $2,928Fees | 0.442%Above | 14 | |
20 | UNITED WHOLESALE MORTGAGE, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | Sound | $1,758Fees | 0.251%Above | 39 | |
21 | COMPASS MORTGAGE, INC.Independent Mortgage Company | Strong | Acceptable | Strong | Strong | Strong | $1,751Fees | 0.508%Above | 102 | |
22 | GUILD MORTGAGE COMPANY LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Sound | $1,766Fees | 0.565%Above | 33 | |
23 | NATIONSTAR MORTGAGE LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Sound | $1,579Fees | 0.147%Above | 11 | |
24 | Bank of PontiacBank | Strong | Sound | Sound | Sound | Sound | $656Fees | 0.424%Above | 22 | |
25 | Synergy One Lending, Inc.Independent Mortgage Company | Strong | Acceptable | Strong | Strong | Sound | $3,113Fees | 0.838%Above | 16 | |
26 | NEW AMERICAN FUNDING, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Sound | Sound | $2,375Fees | 0.723%Above | 14 | |
27 | THE LOAN STORE, INC.Independent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Acceptable | $1,373Fees | 0.421%Above | 10 | |
28 | GUARANTEED RATE, INC.Independent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Acceptable | $1,029Fees | 0.184%Above | 10 | |
29 | AMERICAN PACIFIC MORTGAGE CORPORATIONIndependent Mortgage Company | Sound | Mediocre | Exceptional | Strong | Sound | $2,948Fees | 0.843%Above | 44 | |
30 | Ixonia BankBank | Sound | Mediocre | Exceptional | Strong | Sound | $3,834Fees | 0.737%Above | 37 | |
31 | Flanagan State BankBank | Sound | Acceptable | Strong | Sound | Sound | $723Fees | 0.721%Above | 32 |
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.