Safe Rate Rankings
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| Rank | Lender | Overall | Pricing | Product | Pull Through | Place | Avg Fees | Rate Spread | # of Loans | Action |
|---|---|---|---|---|---|---|---|---|---|---|
1 | Union Savings BankBank | Exceptional | Exceptional | Strong | Strong | Exceptional | $911Fees | 0.189%Above | 790 | |
2 | EVERWISE CREDIT UNIONCredit Union | Exceptional | Exceptional | Strong | Strong | Exceptional | $642Fees | 0.216%Above | 665 | |
3 | FREEDOM MORTGAGE CORPORATIONIndependent Mortgage Company | Exceptional | Strong | Exceptional | Strong | Exceptional | $2,132Fees | 0.474%Above | 1,304 | |
4 | Old National BankBank | Exceptional | Exceptional | Strong | Sound | Exceptional | $855Fees | 0.103%Below | 1,017 | |
5 | LibertyCredit Union | Exceptional | Strong | Exceptional | Strong | Exceptional | $999Fees | 0.350%Above | 869 | |
6 | Elements Financial Federal Credit UnionCredit Union | Exceptional | Exceptional | Sound | Strong | Exceptional | $1,100Fees | 0.112%Above | 500 | |
7 | NOTRE DAME FEDERAL CREDIT UNION CORPORATIONCredit Union | Exceptional | Strong | Strong | Exceptional | Exceptional | $1,177Fees | 0.391%Above | 466 | |
8 | VICTORY MORTGAGE, L.L.C.Independent Mortgage Company | Exceptional | Exceptional | Strong | Strong | Strong | $632Fees | 0.030%Below | 254 | |
9 | UNITED WHOLESALE MORTGAGE, LLCIndependent Mortgage Company | Exceptional | Sound | Exceptional | Exceptional | Exceptional | $2,474Fees | 0.318%Above | 3,640 | |
10 | Fifth Third Bank, National AssociationBank | Exceptional | Strong | Exceptional | Sound | Exceptional | $787Fees | 0.353%Above | 1,342 | |
11 | VANDERBILT MORTGAGE AND FINANCE, INC.Independent Mortgage Company | Exceptional | Sound | Exceptional | Exceptional | Exceptional | $4,447Fees | 0.019%Above | 1,219 | |
12 | The Huntington National BankBank | Exceptional | Strong | Exceptional | Strong | Strong | $1,093Fees | 0.440%Above | 951 | |
13 | Prosperity Home Mortgage, LLCIndependent Mortgage Company | Exceptional | Strong | Exceptional | Strong | Strong | $2,188Fees | 0.387%Above | 318 | |
14 | KeyBank National AssociationBank | Exceptional | Exceptional | Strong | Sound | Strong | $1,128Fees | 0.214%Above | 276 | |
15 | University BankBank | Exceptional | Strong | Strong | Exceptional | Strong | $2,643Fees | 0.261%Above | 270 | |
16 | First Merchants BankBank | Exceptional | Strong | Strong | Sound | Exceptional | $1,223Fees | 0.290%Above | 956 | |
17 | MORTGAGE MASTERS OF INDIANA, INC.Independent Mortgage Company | Exceptional | Sound | Strong | Exceptional | Exceptional | $1,482Fees | 0.319%Above | 801 | |
18 | German American BankBank | Exceptional | Strong | Strong | Sound | Exceptional | $804Fees | 0.148%Above | 511 | |
19 | PENNYMAC LOAN SERVICES, LLCIndependent Mortgage Company | Exceptional | Strong | Exceptional | Sound | Strong | $1,142Fees | 0.031%Above | 458 | |
20 | GoodLeap, LLCIndependent Mortgage Company | Exceptional | Strong | Exceptional | Sound | Strong | $3,691Fees | 0.156%Above | 430 | |
21 | U.S. Bank National AssociationBank | Exceptional | Strong | Exceptional | Sound | Strong | $748Fees | 0.226%Above | 309 | |
22 | ROCKET MORTGAGE, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $3,509Fees | 0.481%Above | 6,448 | |
23 | FAIRWAY INDEPENDENT MORTGAGE CORPORATIONIndependent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $2,757Fees | 0.617%Above | 2,784 | |
24 | NEWREZ LLCIndependent Mortgage Company | Strong | Sound | Exceptional | Sound | Exceptional | $1,955Fees | 0.523%Above | 1,431 | |
25 | UNION HOME MORTGAGE CORP.Independent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $2,411Fees | 0.732%Above | 1,275 | |
26 | MJW FINANCIAL LLCIndependent Mortgage Company | Strong | Sound | Strong | Strong | Exceptional | $1,611Fees | 0.383%Above | 1,221 | |
27 | LOANDEPOT.COM, LLCIndependent Mortgage Company | Strong | Sound | Exceptional | Strong | Strong | $3,137Fees | 0.526%Above | 811 | |
28 | Centier BankBank | Strong | Strong | Sound | Sound | Exceptional | $655Fees | 0.522%Above | 575 | |
29 | PNC Bank, National AssociationBank | Strong | Strong | Strong | Sound | Strong | $66Credit | 0.289%Above | 554 | |
30 | Flagstar Bank, N.A.Bank | Strong | Sound | Exceptional | Strong | Strong | $1,965Fees | 0.449%Above | 483 | |
31 | Horizon BankBank | Strong | Strong | Sound | Sound | Exceptional | $1,577Fees | 0.440%Above | 468 | |
32 | M/I FINANCIAL, LLCIndependent Mortgage Company | Strong | Sound | Exceptional | Strong | Strong | $6,197Fees | 0.533%Below | 414 | |
33 | THE LOAN STORE, INC.Independent Mortgage Company | Strong | Sound | Exceptional | Strong | Strong | $1,679Fees | 0.378%Above | 230 | |
34 | The State Bank and Trust CompanyBank | Strong | Strong | Sound | Strong | Strong | $1,054Fees | 0.162%Above | 218 | |
35 | RUOFF MORTGAGE COMPANY, INC.Independent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Exceptional | $1,831Fees | 0.432%Above | 5,510 | |
36 | JPMorgan Chase Bank, National AssociationBank | Strong | Sound | Strong | Sound | Exceptional | $1,932Fees | 0.269%Above | 2,061 | |
37 | First Financial BankBank | Strong | Sound | Strong | Sound | Exceptional | $1,327Fees | 0.531%Above | 700 | |
38 | FIRST COMMUNITY MORTGAGE, INC.Independent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | Strong | $3,283Fees | 0.618%Above | 551 | |
39 | Regions BankBank | Strong | Sound | Exceptional | Sound | Strong | $1,570Fees | 0.473%Above | 376 | |
40 | HOWARD HANNA FINANCIAL SERVICES, INC.Independent Mortgage Company | Strong | Sound | Strong | Strong | Strong | $2,203Fees | 0.378%Above | 289 | |
41 | PRIMELENDING, A PLAINSCAPITAL COMPANYIndependent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | Strong | $2,835Fees | 0.632%Above | 233 | |
42 | Magnolia Bank, IncorporatedBank | Strong | Sound | Strong | Strong | Strong | $2,036Fees | 0.291%Above | 221 | |
43 | GUARANTEED RATE, INC.Independent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $2,260Fees | 0.437%Above | 982 | |
44 | GUILD MORTGAGE COMPANY LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $2,505Fees | 0.468%Above | 867 | |
45 | STOCKTON MORTGAGE CORPORATIONIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $2,095Fees | 0.556%Above | 653 | |
46 | CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIPIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $2,851Fees | 0.832%Above | 641 | |
47 | CMG MORTGAGE, INC.Independent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $2,036Fees | 0.626%Above | 549 | |
48 | MOVEMENT MORTGAGE, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $2,778Fees | 0.662%Above | 475 | |
49 | AMERICAN FINANCIAL NETWORK, INC.Independent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $1,733Fees | 0.746%Above | 442 | |
50 | PLAZA HOME MORTGAGE, INC.Independent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $1,401Fees | 0.553%Above | 322 |
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.