Safe Rate Rankings
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| Rank | Lender | Overall | Pricing | Product | Pull Through | Place | Avg Fees | Rate Spread | # of Loans | Action |
|---|---|---|---|---|---|---|---|---|---|---|
1 | ENT Credit UnionCredit Union | Exceptional | Strong | Exceptional | Strong | Exceptional | $1,819Fees | 0.231%Below | 928 | |
2 | NAVY FEDERAL CREDIT UNIONCredit Union | Exceptional | Exceptional | Exceptional | Sound | Strong | $1,062Fees | 0.626%Below | 171 | |
3 | U.S. Bank National AssociationBank | Exceptional | Exceptional | Exceptional | Strong | Sound | $1,025Fees | 0.002%Below | 66 | |
4 | UNITED WHOLESALE MORTGAGE, LLCIndependent Mortgage Company | Exceptional | Sound | Exceptional | Strong | Exceptional | $2,981Fees | 0.215%Below | 2,239 | |
5 | ROCKET MORTGAGE, LLCIndependent Mortgage Company | Exceptional | Sound | Exceptional | Strong | Exceptional | $4,247Fees | 0.066%Above | 686 | |
6 | The Central Trust BankBank | Strong | Sound | Exceptional | Strong | Strong | $2,188Fees | 0.014%Below | 264 | |
7 | JPMorgan Chase Bank, National AssociationBank | Strong | Sound | Exceptional | Strong | Strong | $1,710Fees | 0.084%Above | 94 | |
8 | The Huntington National BankBank | Strong | Acceptable | Exceptional | Strong | Strong | $2,011Fees | 0.111%Above | 75 | |
9 | NFM, INC.Independent Mortgage Company | Strong | Mediocre | Exceptional | Strong | Strong | $3,133Fees | 0.045%Above | 254 |
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.