Safe Rate Rankings
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| Rank | Lender | Overall | Pricing | Product | Pull Through | Place | Avg Fees | Rate Spread | # of Loans | Action |
|---|---|---|---|---|---|---|---|---|---|---|
1 | GREENSTATE Credit UnionCredit Union | Exceptional | Exceptional | Exceptional | Exceptional | Exceptional | $833Fees | 0.048%Above | 2,002 | |
2 | CITIZENS EQUITY FIRSTCredit Union | Exceptional | Exceptional | Exceptional | Exceptional | Exceptional | $25Credit | 0.070%Above | 1,186 | |
3 | United Community BankBank | Exceptional | Exceptional | Strong | Strong | Exceptional | $121Fees | 0.128%Above | 649 | |
4 | Old National BankBank | Exceptional | Exceptional | Exceptional | Strong | Strong | $861Fees | 0.034%Above | 626 | |
5 | Associated Bank, National AssociationBank | Exceptional | Exceptional | Exceptional | Strong | Strong | $533Fees | 0.096%Above | 484 | |
6 | I. H. MISSISSIPPI VALLEY CREDIT UNIONCredit Union | Exceptional | Exceptional | Strong | Exceptional | Strong | $985Fees | 0.303%Below | 356 | |
7 | The Huntington National BankBank | Exceptional | Strong | Exceptional | Strong | Exceptional | $745Credit | 0.195%Above | 2,085 | |
8 | U.S. Bank National AssociationBank | Exceptional | Strong | Exceptional | Strong | Exceptional | $460Fees | 0.254%Above | 2,055 | |
9 | Bank of America, National AssociationBank | Exceptional | Strong | Exceptional | Strong | Exceptional | $1,634Fees | 0.082%Below | 1,025 | |
10 | Citibank, National AssociationBank | Exceptional | Exceptional | Exceptional | Sound | Strong | $1,743Credit | 0.101%Below | 811 | |
11 | NAVY FEDERAL CREDIT UNIONCredit Union | Exceptional | Exceptional | Exceptional | Sound | Strong | $456Fees | 0.440%Below | 707 | |
12 | Busey BankBank | Exceptional | Strong | Strong | Exceptional | Exceptional | $911Fees | 0.312%Above | 669 | |
13 | INB, National AssociationBank | Exceptional | Strong | Strong | Exceptional | Exceptional | $640Fees | 0.308%Above | 653 | |
14 | FCB BanksBank | Exceptional | Exceptional | Strong | Sound | Exceptional | $715Fees | 0.092%Below | 566 | |
15 | PROVIDENT FUNDING ASSOCIATES, L.P.Independent Mortgage Company | Exceptional | Exceptional | Exceptional | Sound | Strong | $762Fees | 0.019%Above | 338 | |
16 | FLAT BRANCH MORTGAGE, INC.Independent Mortgage Company | Exceptional | Sound | Exceptional | Exceptional | Exceptional | $1,201Fees | 0.447%Above | 1,599 | |
17 | Fifth Third Bank, National AssociationBank | Exceptional | Strong | Exceptional | Sound | Exceptional | $339Credit | 0.266%Above | 1,233 | |
18 | FIRST STATE MORTGAGE SERVICES, LLCIndependent Mortgage Company | Exceptional | Sound | Exceptional | Exceptional | Exceptional | $1,493Fees | 0.362%Above | 1,052 | |
19 | PNC Bank, National AssociationBank | Exceptional | Strong | Exceptional | Strong | Strong | $188Credit | 0.254%Above | 784 | |
20 | First Mid Bank & Trust, National AssociationBank | Exceptional | Strong | Strong | Strong | Exceptional | $872Fees | 0.176%Above | 741 | |
21 | Heartland Bank and Trust CompanyBank | Exceptional | Strong | Strong | Strong | Exceptional | $573Fees | 0.471%Above | 371 | |
22 | Morgan Stanley Private Bank, National AssociationBank | Exceptional | Exceptional | Strong | Sound | Strong | $252Fees | 0.414%Below | 295 | |
23 | JPMorgan Chase Bank, National AssociationBank | Exceptional | Sound | Exceptional | Strong | Exceptional | $1,688Fees | 0.163%Above | 6,487 | |
24 | LOANDEPOT.COM, LLCIndependent Mortgage Company | Exceptional | Sound | Exceptional | Strong | Exceptional | $2,865Fees | 0.657%Above | 2,802 | |
25 | Barrington Bank & Trust Company, National AssociationBank | Exceptional | Sound | Exceptional | Strong | Exceptional | $1,856Fees | 0.455%Above | 2,395 | |
26 | BAY EQUITY LLCIndependent Mortgage Company | Exceptional | Sound | Exceptional | Strong | Exceptional | $2,346Fees | 0.295%Above | 896 | |
27 | Wells Fargo Bank, National AssociationBank | Exceptional | Strong | Exceptional | Sound | Strong | $1,823Fees | 0.033%Above | 781 | |
28 | SCOTT CREDIT UNIONCredit Union | Exceptional | Strong | Strong | Strong | Strong | $664Fees | 0.068%Above | 378 | |
29 | Bank of SpringfieldBank | Exceptional | Strong | Strong | Strong | Strong | $461Fees | 0.093%Above | 373 | |
30 | Carrollton BankBank | Exceptional | Strong | Strong | Strong | Strong | $776Fees | 0.080%Above | 365 | |
31 | GMFS LLCIndependent Mortgage Company | Exceptional | Sound | Exceptional | Exceptional | Strong | $1,888Fees | 0.500%Above | 266 | |
32 | UNITED WHOLESALE MORTGAGE, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $1,855Fees | 0.413%Above | 7,352 | |
33 | ROCKET MORTGAGE, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $3,394Fees | 0.490%Above | 7,176 | |
34 | A & N MORTGAGE SERVICES, INC.Independent Mortgage Company | Strong | Sound | Strong | Strong | Exceptional | $1,570Fees | 0.336%Above | 1,149 | |
35 | MUTUAL OF OMAHA MORTGAGE, INC.Independent Mortgage Company | Strong | Strong | Strong | Sound | Strong | $1,661Fees | 0.439%Above | 810 | |
36 | DELMAR FINANCIAL COMPANYIndependent Mortgage Company | Strong | Sound | Strong | Strong | Exceptional | $1,519Fees | 0.434%Above | 597 | |
37 | BMO Bank National AssociationBank | Strong | Strong | Strong | Sound | Strong | $449Fees | 0.420%Above | 582 | |
38 | Morton Community BankBank | Strong | Sound | Strong | Strong | Exceptional | $683Fees | 0.460%Above | 455 | |
39 | PLAZA HOME MORTGAGE, INC.Independent Mortgage Company | Strong | Sound | Exceptional | Strong | Strong | $1,553Fees | 0.469%Above | 418 | |
40 | ARK-LA-TEX FINANCIAL SERVICES, LLC.Independent Mortgage Company | Strong | Sound | Exceptional | Strong | Strong | $937Fees | 0.633%Above | 354 | |
41 | GUARANTEED RATE, INC.Independent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Exceptional | $2,009Fees | 0.369%Above | 7,686 | |
42 | CROSSCOUNTRY MORTGAGE, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Exceptional | $2,820Fees | 0.594%Above | 4,482 | |
43 | FAIRWAY INDEPENDENT MORTGAGE CORPORATIONIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Exceptional | $2,737Fees | 0.680%Above | 3,156 | |
44 | GUILD MORTGAGE COMPANY LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Exceptional | $2,378Fees | 0.587%Above | 2,081 | |
45 | LOWER, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Exceptional | $1,510Fees | 0.608%Above | 1,031 | |
46 | TOWNE MORTGAGE COMPANYIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Exceptional | $1,510Fees | 0.539%Above | 977 | |
47 | THE LOAN STORE, INC.Independent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Exceptional | $336Fees | 0.307%Above | 963 | |
48 | MLD MORTGAGE INC.Independent Mortgage Company | Strong | Sound | Strong | Strong | Strong | $1,971Fees | 0.443%Above | 526 | |
49 | POINT MORTGAGE CORPORATIONIndependent Mortgage Company | Strong | Sound | Strong | Strong | Strong | $1,541Fees | 0.344%Above | 410 | |
50 | CIBM BankBank | Strong | Sound | Strong | Strong | Strong | $1,394Fees | 0.491%Above | 352 |
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.