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 | INB, National AssociationBank | Exceptional | Exceptional | Strong | Strong | Exceptional | $640Fees | 0.308%Above | 653 | |
3 | The Huntington National BankBank | Exceptional | Strong | Exceptional | Strong | Exceptional | $745Credit | 0.195%Above | 2,085 | |
4 | Associated Bank, National AssociationBank | Exceptional | Exceptional | Strong | Strong | Strong | $533Fees | 0.096%Above | 484 | |
5 | UNITED WHOLESALE MORTGAGE, LLCIndependent Mortgage Company | Exceptional | Sound | Exceptional | Exceptional | Exceptional | $1,855Fees | 0.413%Above | 7,352 | |
6 | U.S. Bank National AssociationBank | Exceptional | Strong | Exceptional | Sound | Exceptional | $460Fees | 0.254%Above | 2,055 | |
7 | FLAT BRANCH MORTGAGE, INC.Independent Mortgage Company | Exceptional | Sound | Exceptional | Exceptional | Exceptional | $1,201Fees | 0.447%Above | 1,599 | |
8 | Fifth Third Bank, National AssociationBank | Exceptional | Strong | Exceptional | Sound | Exceptional | $339Credit | 0.266%Above | 1,233 | |
9 | TOWNE MORTGAGE COMPANYIndependent Mortgage Company | Exceptional | Sound | Exceptional | Exceptional | Exceptional | $1,510Fees | 0.539%Above | 977 | |
10 | FREEDOM MORTGAGE CORPORATIONIndependent Mortgage Company | Exceptional | Strong | Exceptional | Strong | Strong | $2,040Fees | 0.663%Above | 815 | |
11 | Old National BankBank | Exceptional | Exceptional | Strong | Sound | Strong | $861Fees | 0.034%Above | 626 | |
12 | FCB BanksBank | Exceptional | Exceptional | Sound | Sound | Exceptional | $715Fees | 0.092%Below | 566 | |
13 | Prosperity Home Mortgage, LLCIndependent Mortgage Company | Exceptional | Strong | Exceptional | Strong | Strong | $2,281Fees | 0.479%Above | 391 | |
14 | ARK-LA-TEX FINANCIAL SERVICES, LLC.Independent Mortgage Company | Exceptional | Strong | Exceptional | Strong | Strong | $937Fees | 0.633%Above | 354 | |
15 | GMFS LLCIndependent Mortgage Company | Exceptional | Strong | Exceptional | Strong | Strong | $1,888Fees | 0.500%Above | 266 | |
16 | LOANDEPOT.COM, LLCIndependent Mortgage Company | Exceptional | Sound | Exceptional | Strong | Exceptional | $2,865Fees | 0.657%Above | 2,802 | |
17 | A & N MORTGAGE SERVICES, INC.Independent Mortgage Company | Exceptional | Sound | Strong | Exceptional | Exceptional | $1,570Fees | 0.336%Above | 1,149 | |
18 | FIRST STATE MORTGAGE SERVICES, LLCIndependent Mortgage Company | Exceptional | Sound | Strong | Exceptional | Exceptional | $1,493Fees | 0.362%Above | 1,052 | |
19 | THE LOAN STORE, INC.Independent Mortgage Company | Exceptional | Sound | Exceptional | Strong | Exceptional | $336Fees | 0.307%Above | 963 | |
20 | PENNYMAC LOAN SERVICES, LLCIndependent Mortgage Company | Exceptional | Strong | Exceptional | Sound | Strong | $1,170Fees | 0.188%Above | 781 | |
21 | Carrollton BankBank | Exceptional | Strong | Strong | Strong | Strong | $776Fees | 0.080%Above | 365 | |
22 | ROCKET MORTGAGE, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $3,394Fees | 0.490%Above | 7,176 | |
23 | FAIRWAY INDEPENDENT MORTGAGE CORPORATIONIndependent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $2,737Fees | 0.680%Above | 3,156 | |
24 | NEWREZ LLCIndependent Mortgage Company | Strong | Sound | Exceptional | Sound | Exceptional | $2,239Fees | 0.629%Above | 1,112 | |
25 | PNC Bank, National AssociationBank | Strong | Strong | Strong | Sound | Strong | $188Credit | 0.254%Above | 784 | |
26 | Flagstar Bank, N.A.Bank | Strong | Sound | Exceptional | Strong | Strong | $2,249Fees | 0.530%Above | 704 | |
27 | Busey BankBank | Strong | Strong | Sound | Sound | Exceptional | $911Fees | 0.312%Above | 669 | |
28 | United Community BankBank | Strong | Strong | Sound | Sound | Exceptional | $121Fees | 0.128%Above | 649 | |
29 | DELMAR FINANCIAL COMPANYIndependent Mortgage Company | Strong | Sound | Strong | Strong | Exceptional | $1,519Fees | 0.434%Above | 597 | |
30 | MLD MORTGAGE INC.Independent Mortgage Company | Strong | Sound | Exceptional | Strong | Strong | $1,971Fees | 0.443%Above | 526 | |
31 | M/I FINANCIAL, LLCIndependent Mortgage Company | Strong | Sound | Exceptional | Strong | Strong | $3,266Fees | 0.139%Above | 489 | |
32 | RESICENTRAL, LLCIndependent Mortgage Company | Strong | Strong | Strong | Sound | Strong | $298Fees | 0.525%Above | 476 | |
33 | Midland States BankBank | Strong | Sound | Strong | Strong | Exceptional | $1,376Fees | 0.696%Above | 426 | |
34 | Heartland Bank and Trust CompanyBank | Strong | Strong | Sound | Sound | Exceptional | $573Fees | 0.471%Above | 371 | |
35 | GUARANTEED RATE, INC.Independent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Exceptional | $2,009Fees | 0.369%Above | 7,686 | |
36 | JPMorgan Chase Bank, National AssociationBank | Strong | Sound | Strong | Sound | Exceptional | $1,688Fees | 0.163%Above | 6,487 | |
37 | Barrington Bank & Trust Company, National AssociationBank | Strong | Acceptable | Exceptional | Strong | Exceptional | $1,856Fees | 0.455%Above | 2,395 | |
38 | GUILD MORTGAGE COMPANY LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Exceptional | $2,378Fees | 0.587%Above | 2,081 | |
39 | KEY MORTGAGE SERVICES, INC.Independent Mortgage Company | Strong | Sound | Strong | Sound | Exceptional | $1,739Fees | 0.348%Above | 1,273 | |
40 | LOWER, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Exceptional | $1,510Fees | 0.608%Above | 1,031 | |
41 | UNION HOME MORTGAGE CORP.Independent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | Strong | $1,835Fees | 0.590%Above | 980 | |
42 | BAY EQUITY LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Exceptional | $2,346Fees | 0.295%Above | 896 | |
43 | First Mid Bank & Trust, National AssociationBank | Strong | Sound | Strong | Sound | Exceptional | $872Fees | 0.176%Above | 741 | |
44 | PRIMELENDING, A PLAINSCAPITAL COMPANYIndependent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | Strong | $2,004Fees | 0.555%Above | 477 | |
45 | CIBM BankBank | Strong | Sound | Strong | Strong | Strong | $1,394Fees | 0.491%Above | 352 | |
46 | Regions BankBank | Strong | Sound | Exceptional | Sound | Strong | $1,214Fees | 0.586%Above | 345 | |
47 | T2 FINANCIAL LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | Strong | $1,331Fees | 0.369%Above | 337 | |
48 | COMPASS MORTGAGE, INC.Independent Mortgage Company | Strong | Acceptable | Strong | Strong | Exceptional | $2,500Fees | 0.580%Above | 904 | |
49 | GUARANTEED RATE AFFINITY, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $1,993Fees | 0.486%Above | 838 | |
50 | PLAZA HOME MORTGAGE, INC.Independent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $1,553Fees | 0.469%Above | 418 |
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.