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 | $92Credit | 0.128%Above | 32 | |
2 | Busey BankBank | Exceptional | Strong | Strong | Exceptional | Exceptional | $958Fees | 0.081%Above | 44 | |
3 | Prairie State Bank and TrustBank | Exceptional | Exceptional | Sound | Strong | Strong | $485Fees | 0.040%Below | 25 | |
4 | FLAT BRANCH MORTGAGE, INC.Independent Mortgage Company | Exceptional | Sound | Exceptional | Exceptional | Strong | $1,083Fees | 0.621%Above | 45 | |
5 | Heartland Bank and Trust CompanyBank | Exceptional | Strong | Strong | Strong | Strong | $503Fees | 0.540%Above | 35 | |
6 | PNC Bank, National AssociationBank | Exceptional | Strong | Exceptional | Strong | Sound | $121Credit | 0.628%Above | 21 | |
7 | INB, National AssociationBank | Exceptional | Strong | Strong | Exceptional | Sound | $731Fees | 0.529%Above | 12 | |
8 | ROCKET MORTGAGE, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $2,897Fees | 0.395%Above | 72 | |
9 | FIRST STATE MORTGAGE SERVICES, LLCIndependent Mortgage Company | Strong | Sound | Exceptional | Exceptional | Sound | $689Fees | 0.710%Above | 19 | |
10 | CROSSCOUNTRY MORTGAGE, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Exceptional | $3,152Fees | 0.718%Above | 77 | |
11 | JPMorgan Chase Bank, National AssociationBank | Strong | Sound | Exceptional | Strong | Sound | $1,058Fees | 0.147%Above | 23 | |
12 | NEW AMERICAN FUNDING, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Sound | Exceptional | $1,797Fees | 0.947%Above | 138 | |
13 | Regions BankBank | Strong | Acceptable | Exceptional | Strong | Strong | $1,678Fees | 0.679%Above | 49 |
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.