Safe Rate Rankings
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| Rank | Lender | Overall | Pricing | Product | Pull Through | Place | Avg Fees | Rate Spread | # of Loans | Action |
|---|---|---|---|---|---|---|---|---|---|---|
1 | FLAT BRANCH MORTGAGE, INC.Independent Mortgage Company | Exceptional | Sound | Exceptional | Exceptional | Strong | $1,083Fees | 0.621%Above | 45 | |
2 | ROCKET MORTGAGE, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $2,897Fees | 0.395%Above | 72 | |
3 | Busey BankBank | Strong | Strong | Sound | Sound | Exceptional | $958Fees | 0.081%Above | 44 | |
4 | Regions BankBank | Strong | Sound | Exceptional | Sound | Strong | $1,678Fees | 0.679%Above | 49 | |
5 | Heartland Bank and Trust CompanyBank | Strong | Strong | Sound | Sound | Strong | $503Fees | 0.540%Above | 35 | |
6 | PNC Bank, National AssociationBank | Strong | Strong | Strong | Sound | Sound | $121Credit | 0.628%Above | 21 | |
7 | FIRST STATE MORTGAGE SERVICES, LLCIndependent Mortgage Company | Strong | Sound | Strong | Exceptional | Sound | $689Fees | 0.710%Above | 19 | |
8 | CROSSCOUNTRY MORTGAGE, LLCIndependent Mortgage Company | Strong | Mediocre | Exceptional | Strong | Exceptional | $3,152Fees | 0.718%Above | 77 | |
9 | NEW AMERICAN FUNDING, LLCIndependent Mortgage Company | Strong | Mediocre | Exceptional | Sound | Exceptional | $1,797Fees | 0.947%Above | 138 |
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.