Safe Rate Rankings
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| Rank | Lender | Overall | Pricing | Product | Pull Through | Place | Avg Fees | Rate Spread | # of Loans | Action |
|---|---|---|---|---|---|---|---|---|---|---|
1 | Old National BankBank | Exceptional | Exceptional | Exceptional | Strong | Exceptional | $855Fees | 0.103%Below | 1,017 | |
2 | Three Rivers Federal Credit UnionCredit Union | Exceptional | Strong | Exceptional | Strong | Exceptional | $994Fees | 0.285%Above | 1,246 | |
3 | First Merchants BankBank | Exceptional | Strong | Exceptional | Strong | Exceptional | $1,223Fees | 0.290%Above | 956 | |
4 | LibertyCredit Union | Exceptional | Strong | Exceptional | Strong | Exceptional | $999Fees | 0.350%Above | 869 | |
5 | MORTGAGE MASTERS OF INDIANA, INC.Independent Mortgage Company | Exceptional | Strong | Strong | Exceptional | Exceptional | $1,482Fees | 0.319%Above | 801 | |
6 | Elements Financial Federal Credit UnionCredit Union | Exceptional | Exceptional | Strong | Sound | Exceptional | $1,100Fees | 0.112%Above | 500 | |
7 | NAVY FEDERAL CREDIT UNIONCredit Union | Exceptional | Exceptional | Exceptional | Sound | Strong | $702Fees | 0.482%Below | 475 | |
8 | INDIANA MEMBERS CREDIT UNIONCredit Union | Exceptional | Exceptional | Strong | Sound | Exceptional | $1,094Fees | 0.280%Below | 466 | |
9 | INDIANA UNIVERSITY CREDIT UNIONCredit Union | Exceptional | Exceptional | Strong | Strong | Strong | $75Fees | 0.059%Above | 308 | |
10 | VICTORY MORTGAGE, L.L.C.Independent Mortgage Company | Exceptional | Exceptional | Strong | Strong | Strong | $632Fees | 0.030%Below | 254 | |
11 | Fifth Third Bank, National AssociationBank | Exceptional | Strong | Exceptional | Sound | Exceptional | $787Fees | 0.353%Above | 1,342 | |
12 | The Huntington National BankBank | Exceptional | Strong | Exceptional | Strong | Strong | $1,093Fees | 0.440%Above | 951 | |
13 | EVERWISE CREDIT UNIONCredit Union | Exceptional | Strong | Strong | Strong | Exceptional | $642Fees | 0.216%Above | 665 | |
14 | PNC Bank, National AssociationBank | Exceptional | Strong | Exceptional | Strong | Strong | $66Credit | 0.289%Above | 554 | |
15 | German American BankBank | Exceptional | Strong | Strong | Strong | Exceptional | $804Fees | 0.148%Above | 511 | |
16 | PURDUECredit Union | Exceptional | Strong | Strong | Strong | Exceptional | $713Fees | 0.158%Above | 419 | |
17 | U.S. Bank National AssociationBank | Exceptional | Strong | Exceptional | Strong | Strong | $748Fees | 0.226%Above | 309 | |
18 | KeyBank National AssociationBank | Exceptional | Strong | Exceptional | Strong | Strong | $1,128Fees | 0.214%Above | 276 | |
19 | CRANECredit Union | Exceptional | Exceptional | Sound | Strong | Strong | $698Fees | 0.135%Above | 199 | |
20 | RUOFF MORTGAGE COMPANY, INC.Independent Mortgage Company | Exceptional | Sound | Exceptional | Strong | Exceptional | $1,831Fees | 0.432%Above | 5,510 | |
21 | JPMorgan Chase Bank, National AssociationBank | Exceptional | Sound | Exceptional | Strong | Exceptional | $1,932Fees | 0.269%Above | 2,061 | |
22 | VANDERBILT MORTGAGE AND FINANCE, INC.Independent Mortgage Company | Exceptional | Sound | Exceptional | Strong | Exceptional | $4,447Fees | 0.019%Above | 1,219 | |
23 | Union Savings BankBank | Exceptional | Sound | Exceptional | Strong | Exceptional | $911Fees | 0.189%Above | 790 | |
24 | First Financial BankBank | Exceptional | Sound | Exceptional | Strong | Exceptional | $1,327Fees | 0.531%Above | 700 | |
25 | Centra Credit UnionCredit Union | Exceptional | Sound | Strong | Exceptional | Exceptional | $981Fees | 0.310%Above | 513 | |
26 | NOTRE DAME FEDERAL CREDIT UNION CORPORATIONCredit Union | Exceptional | Sound | Strong | Exceptional | Exceptional | $1,177Fees | 0.391%Above | 466 | |
27 | Wells Fargo Bank, National AssociationBank | Exceptional | Strong | Exceptional | Sound | Strong | $2,204Fees | 0.161%Above | 319 | |
28 | Jackson County BankBank | Exceptional | Strong | Strong | Strong | Strong | $954Fees | 0.082%Above | 272 | |
29 | Heritage Federal Credit UnionCredit Union | Exceptional | Strong | Strong | Strong | Strong | $600Fees | 0.379%Above | 267 | |
30 | The State Bank and Trust CompanyBank | Exceptional | Strong | Strong | Strong | Strong | $1,054Fees | 0.162%Above | 218 | |
31 | ROCKET MORTGAGE, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $3,509Fees | 0.481%Above | 6,448 | |
32 | UNITED WHOLESALE MORTGAGE, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $2,474Fees | 0.318%Above | 3,640 | |
33 | MJW FINANCIAL LLCIndependent Mortgage Company | Strong | Sound | Strong | Strong | Exceptional | $1,611Fees | 0.383%Above | 1,221 | |
34 | LOANDEPOT.COM, LLCIndependent Mortgage Company | Strong | Sound | Exceptional | Strong | Strong | $3,137Fees | 0.526%Above | 811 | |
35 | Centier BankBank | Strong | Sound | Strong | Strong | Exceptional | $655Fees | 0.522%Above | 575 | |
36 | FORUMCredit Union | Strong | Strong | Sound | Sound | Exceptional | $1,106Fees | 0.052%Above | 469 | |
37 | Horizon BankBank | Strong | Sound | Strong | Strong | Exceptional | $1,577Fees | 0.440%Above | 468 | |
38 | 1st Source BankBank | Strong | Sound | Strong | Strong | Exceptional | $1,043Fees | 0.377%Above | 433 | |
39 | PLAZA HOME MORTGAGE, INC.Independent Mortgage Company | Strong | Sound | Exceptional | Strong | Strong | $1,401Fees | 0.553%Above | 322 | |
40 | MUTUAL OF OMAHA MORTGAGE, INC.Independent Mortgage Company | Strong | Strong | Strong | Sound | Strong | $1,431Fees | 0.237%Above | 277 | |
41 | GVC MORTGAGE, INC.Independent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Exceptional | $3,110Fees | 0.547%Above | 3,045 | |
42 | FAIRWAY INDEPENDENT MORTGAGE CORPORATIONIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Exceptional | $2,757Fees | 0.617%Above | 2,784 | |
43 | FREEDOM MORTGAGE CORPORATIONIndependent Mortgage Company | Strong | Sound | Strong | Sound | Exceptional | $2,132Fees | 0.474%Above | 1,304 | |
44 | UNION HOME MORTGAGE CORP.Independent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Exceptional | $2,411Fees | 0.732%Above | 1,275 | |
45 | PENNYMAC LOAN SERVICES, LLCIndependent Mortgage Company | Strong | Sound | Exceptional | Sound | Strong | $1,142Fees | 0.031%Above | 458 | |
46 | INTERRA CREDIT UNIONCredit Union | Strong | Sound | Strong | Strong | Strong | $739Fees | 0.193%Above | 352 | |
47 | First Farmers Bank & Trust Co.Bank | Strong | Sound | Strong | Strong | Strong | $986Fees | 0.611%Above | 284 | |
48 | First Financial Bank, National AssociationBank | Strong | Sound | Strong | Strong | Strong | $1,003Fees | 0.352%Above | 268 | |
49 | Security Federal Savings BankBank | Strong | Sound | Sound | Exceptional | Strong | $742Fees | 0.365%Above | 206 | |
50 | AMERIHOME MORTGAGE COMPANY, LLCIndependent Mortgage Company | Strong | Sound | Strong | Strong | Strong | $2,310Fees | 0.460%Above | 191 |
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.