Safe Rate Rankings

Best Conventional Mortgage Lenders in Davenport

Updated May 21, 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 Lenders54

Total Loans4,062

Median Rate Spread0.41%

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Rank	Lender	Overall	Pricing	Product	Pull Through	Place	Avg Fees	Rate Spread	# of Loans
1	GREENSTATE Credit UnionCredit Union	Exceptional	Exceptional	Exceptional	Exceptional	Exceptional	$684Fees	0.280%Below	503
2	I. H. MISSISSIPPI VALLEY CREDIT UNIONCredit Union	Exceptional	Exceptional	Strong	Exceptional	Exceptional	$1,242Fees	0.377%Below	454
3	RUHL MORTGAGE, LLCIndependent Mortgage Company	Exceptional	Exceptional	Strong	Exceptional	Exceptional	$927Fees	0.057%Below	331
4	American Bank and Trust Company, National AssociationBank	Exceptional	Exceptional	Sound	Strong	Exceptional	$1,199Fees	0.021%Above	116
5	Old National BankBank	Exceptional	Exceptional	Exceptional	Strong	Sound	$1,073Fees	0.042%Above	33
6	ASCENTRA Credit UnionCredit Union	Exceptional	Exceptional	Sound	Sound	Exceptional	$615Fees	0.041%Below	132
7	Du Trac Community Credit UnionCredit Union	Exceptional	Exceptional	Sound	Strong	Strong	$1,085Fees	0.171%Below	80
8	U.S. Bank National AssociationBank	Exceptional	Strong	Exceptional	Strong	Strong	$1,254Fees	0.298%Above	79
9	NAVY FEDERAL CREDIT UNIONCredit Union	Exceptional	Exceptional	Exceptional	Sound	Sound	$45Fees	0.469%Below	19
10	Empeople Credit UnionCredit Union	Exceptional	Strong	Strong	Sound	Exceptional	$828Fees	0.110%Below	192
11	LOANDEPOT.COM, LLCIndependent Mortgage Company	Strong	Sound	Exceptional	Strong	Strong	$3,224Fees	0.843%Above	69
12	Wells Fargo Bank, National AssociationBank	Strong	Strong	Exceptional	Sound	Sound	$1,822Fees	0.201%Above	39
13	Fortress BankBank	Strong	Strong	Strong	Strong	Sound	$776Fees	0.009%Above	30
14	Great Southern BankBank	Strong	Strong	Strong	Strong	Sound	$1,356Fees	0.188%Below	19
15	FLAT BRANCH MORTGAGE, INC.Independent Mortgage Company	Strong	Sound	Exceptional	Exceptional	Sound	$1,602Fees	0.427%Above	16
16	LOWER, LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Exceptional	$1,525Fees	0.655%Above	264
17	ROCKET MORTGAGE, LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Exceptional	Strong	$3,210Fees	0.551%Above	204
18	UNITED WHOLESALE MORTGAGE, LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Exceptional	Strong	$2,464Fees	0.104%Above	64
19	First Federal BankBank	Strong	Strong	Strong	Sound	Sound	$1,955Fees	0.411%Above	37
20	JPMorgan Chase Bank, National AssociationBank	Strong	Sound	Exceptional	Strong	Sound	$1,745Fees	0.235%Above	19
21	COMMUNITY BANC MORTGAGE CORPORATIONIndependent Mortgage Company	Strong	Strong	Strong	Sound	Sound	$1,510Fees	0.164%Above	18
22	NEW AMERICAN FUNDING, LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Sound	Exceptional	$3,548Fees	0.533%Above	307
23	CROSSCOUNTRY MORTGAGE, LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Strong	$2,608Fees	0.773%Above	122
24	FAIRWAY INDEPENDENT MORTGAGE CORPORATIONIndependent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Strong	$2,926Fees	0.790%Above	100
25	CBI Bank & TrustBank	Strong	Sound	Sound	Strong	Strong	$874Fees	0.369%Above	86
26	Servion, Inc.Independent Mortgage Company	Strong	Sound	Strong	Strong	Sound	$835Fees	0.425%Above	10
27	NEWREZ LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Sound	Strong	$1,564Fees	0.307%Above	51
28	MICHIGAN MUTUAL, INC.Independent Mortgage Company	Strong	Acceptable	Strong	Strong	Strong	$1,144Fees	0.287%Above	44
29	GUARANTEED RATE, INC.Independent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Sound	$2,270Fees	0.464%Above	27
30	CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIPIndependent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Sound	$4,234Fees	0.876%Above	20
31	NATIONSTAR MORTGAGE LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Sound	$2,081Fees	0.207%Above	16
32	MOVEMENT MORTGAGE, LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Sound	$2,307Fees	0.185%Above	14
33	Mortgage Research Center, LLCIndependent Mortgage Company	Strong	Acceptable	Strong	Sound	Strong	$1,540Fees	0.698%Above	95
34	Flanagan State BankBank	Strong	Acceptable	Strong	Sound	Strong	$1,873Fees	0.505%Above	40
35	Flagstar Bank, N.A.Bank	Strong	Acceptable	Exceptional	Strong	Acceptable	$1,026Fees	0.140%Above	10
36	Luminate Home Loans, Inc.Independent Mortgage Company	Sound	Mediocre	Exceptional	Strong	Sound	$3,564Fees	0.545%Above	11
37	AXIA FINANCIAL, LLCIndependent Mortgage Company	Sound	Mediocre	Strong	Strong	Sound	$2,981Fees	0.857%Above	22
38	ROYAL UNITED MORTGAGE LLCIndependent Mortgage Company	Sound	Mediocre	Strong	Strong	Sound	$2,945Fees	0.990%Above	12
39	CALCON MUTUAL MORTGAGE LLCIndependent Mortgage Company	Sound	Mediocre	Strong	Sound	Sound	$2,221Fees	0.741%Above	38
40	SUCCESS MORTGAGE PARTNERS, INC.Independent Mortgage Company	Sound	Mediocre	Strong	Sound	Sound	$4,664Fees	1.048%Above	23
41	MARINE CREDIT UNIONCredit Union	Sound	Mediocre	Strong	Sound	Sound	$2,280Fees	1.582%Above	20
42	COMPEER FINANCIAL, FLCAIndependent Mortgage Company	Sound	Mediocre	Strong	Sound	Sound	$1,754Fees	0.995%Above	17

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.