Safe Rate Rankings
Shopping for a mortgage? Click the heart icon to save lenders to My Home and make comparison painless.
| Rank | Lender | Overall | Pricing | Pull Through | Place | Avg Fees | Rate Spread | # of Loans | Action |
|---|---|---|---|---|---|---|---|---|---|
1 | Old National BankBank | Exceptional | Exceptional | Strong | Exceptional | $855Fees | 0.103%Below | 1,017 | |
2 | EVERWISE CREDIT UNIONCredit Union | Exceptional | Exceptional | Strong | Exceptional | $642Fees | 0.216%Above | 665 | |
3 | Elements Financial Federal Credit UnionCredit Union | Exceptional | Exceptional | Strong | Exceptional | $1,100Fees | 0.112%Above | 500 | |
4 | LibertyCredit Union | Exceptional | Strong | Exceptional | Exceptional | $999Fees | 0.350%Above | 869 | |
5 | INDIANA MEMBERS CREDIT UNIONCredit Union | Exceptional | Exceptional | Sound | Exceptional | $1,094Fees | 0.280%Below | 466 | |
6 | INDIANA UNIVERSITY CREDIT UNIONCredit Union | Exceptional | Exceptional | Strong | Strong | $75Fees | 0.059%Above | 308 | |
7 | VICTORY MORTGAGE, L.L.C.Independent Mortgage Company | Exceptional | Exceptional | Strong | Strong | $632Fees | 0.030%Below | 254 | |
8 | Fifth Third Bank, National AssociationBank | Exceptional | Strong | Strong | Exceptional | $787Fees | 0.353%Above | 1,342 | |
9 | Three Rivers Federal Credit UnionCredit Union | Exceptional | Strong | Strong | Exceptional | $994Fees | 0.285%Above | 1,246 | |
10 | First Merchants BankBank | Exceptional | Strong | Strong | Exceptional | $1,223Fees | 0.290%Above | 956 | |
11 | NAVY FEDERAL CREDIT UNIONCredit Union | Exceptional | Exceptional | Sound | Strong | $702Fees | 0.482%Below | 475 | |
12 | PURDUECredit Union | Exceptional | Strong | Strong | Exceptional | $713Fees | 0.158%Above | 419 | |
13 | CRANECredit Union | Exceptional | Exceptional | Sound | Strong | $698Fees | 0.135%Above | 199 | |
14 | UNITED WHOLESALE MORTGAGE, LLCIndependent Mortgage Company | Strong | Sound | Exceptional | Exceptional | $2,474Fees | 0.318%Above | 3,640 | |
15 | VANDERBILT MORTGAGE AND FINANCE, INC.Independent Mortgage Company | Strong | Sound | Exceptional | Exceptional | $4,447Fees | 0.019%Above | 1,219 | |
16 | The Huntington National BankBank | Strong | Strong | Strong | Strong | $1,093Fees | 0.440%Above | 951 | |
17 | MORTGAGE MASTERS OF INDIANA, INC.Independent Mortgage Company | Strong | Sound | Exceptional | Exceptional | $1,482Fees | 0.319%Above | 801 | |
18 | PNC Bank, National AssociationBank | Strong | Strong | Strong | Strong | $66Credit | 0.289%Above | 554 | |
19 | Centra Credit UnionCredit Union | Strong | Sound | Exceptional | Exceptional | $981Fees | 0.310%Above | 513 | |
20 | German American BankBank | Strong | Strong | Sound | Exceptional | $804Fees | 0.148%Above | 511 | |
21 | FORUMCredit Union | Strong | Strong | Sound | Exceptional | $1,106Fees | 0.052%Above | 469 | |
22 | NOTRE DAME FEDERAL CREDIT UNION CORPORATIONCredit Union | Strong | Sound | Exceptional | Exceptional | $1,177Fees | 0.391%Above | 466 | |
23 | U.S. Bank National AssociationBank | Strong | Strong | Strong | Strong | $748Fees | 0.226%Above | 309 | |
24 | KeyBank National AssociationBank | Strong | Strong | Strong | Strong | $1,128Fees | 0.214%Above | 276 | |
25 | Heritage Federal Credit UnionCredit Union | Strong | Strong | Strong | Strong | $600Fees | 0.379%Above | 267 | |
26 | PROFED CREDIT UNIONCredit Union | Strong | Strong | Strong | Strong | $892Fees | 0.040%Below | 239 | |
27 | The State Bank and Trust CompanyBank | Strong | Strong | Strong | Strong | $1,054Fees | 0.162%Above | 218 | |
28 | RUOFF MORTGAGE COMPANY, INC.Independent Mortgage Company | Strong | Sound | Strong | Exceptional | $1,831Fees | 0.432%Above | 5,510 | |
29 | JPMorgan Chase Bank, National AssociationBank | Strong | Sound | Strong | Exceptional | $1,932Fees | 0.269%Above | 2,061 | |
30 | FREEDOM MORTGAGE CORPORATIONIndependent Mortgage Company | Strong | Sound | Strong | Exceptional | $2,132Fees | 0.474%Above | 1,304 | |
31 | MJW FINANCIAL LLCIndependent Mortgage Company | Strong | Sound | Strong | Exceptional | $1,611Fees | 0.383%Above | 1,221 | |
32 | Union Savings BankBank | Strong | Sound | Strong | Exceptional | $911Fees | 0.189%Above | 790 | |
33 | First Financial BankBank | Strong | Sound | Strong | Exceptional | $1,327Fees | 0.531%Above | 700 | |
34 | Centier BankBank | Strong | Sound | Strong | Exceptional | $655Fees | 0.522%Above | 575 | |
35 | Horizon BankBank | Strong | Sound | Strong | Exceptional | $1,577Fees | 0.440%Above | 468 | |
36 | 1st Source BankBank | Strong | Sound | Strong | Exceptional | $1,043Fees | 0.377%Above | 433 | |
37 | Wells Fargo Bank, National AssociationBank | Strong | Strong | Sound | Strong | $2,204Fees | 0.161%Above | 319 | |
38 | Jackson County BankBank | Strong | Strong | Sound | Strong | $954Fees | 0.082%Above | 272 | |
39 | University BankBank | Strong | Sound | Exceptional | Strong | $2,643Fees | 0.261%Above | 270 | |
40 | ROCKET MORTGAGE, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | $3,509Fees | 0.481%Above | 6,448 | |
41 | FAIRWAY INDEPENDENT MORTGAGE CORPORATIONIndependent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | $2,757Fees | 0.617%Above | 2,784 | |
42 | UNION HOME MORTGAGE CORP.Independent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | $2,411Fees | 0.732%Above | 1,275 | |
43 | GUARANTEED RATE, INC.Independent Mortgage Company | Strong | Sound | Strong | Strong | $2,260Fees | 0.437%Above | 982 | |
44 | LOANDEPOT.COM, LLCIndependent Mortgage Company | Strong | Sound | Strong | Strong | $3,137Fees | 0.526%Above | 811 | |
45 | PENNYMAC LOAN SERVICES, LLCIndependent Mortgage Company | Strong | Sound | Strong | Strong | $1,142Fees | 0.031%Above | 458 | |
46 | Regions BankBank | Strong | Sound | Strong | Strong | $1,570Fees | 0.473%Above | 376 | |
47 | INTERRA CREDIT UNIONCredit Union | Strong | Sound | Strong | Strong | $739Fees | 0.193%Above | 352 | |
48 | First Financial Bank, National AssociationBank | Strong | Sound | Strong | Strong | $1,003Fees | 0.352%Above | 268 | |
49 | Merchants Bank of IndianaBank | Strong | Sound | Strong | Strong | $1,347Fees | 0.237%Above | 232 | |
50 | Mortgage Research Center, LLCIndependent Mortgage Company | Strong | Acceptable | Strong | Exceptional | $1,559Fees | 0.604%Above | 1,700 |
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.