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 | Product | Pull Through | Place | Avg Fees | Rate Spread | # of Loans | Action |
|---|---|---|---|---|---|---|---|---|---|---|
1 | U.S. Bank National AssociationBank | Exceptional | Exceptional | Exceptional | Strong | Strong | $748Fees | 0.226%Above | 309 | |
2 | Fifth Third Bank, National AssociationBank | Exceptional | Strong | Exceptional | Strong | Exceptional | $787Fees | 0.353%Above | 1,342 | |
3 | Old National BankBank | Exceptional | Strong | Exceptional | Strong | Exceptional | $855Fees | 0.103%Below | 1,017 | |
4 | EVERWISE CREDIT UNIONCredit Union | Exceptional | Exceptional | — | Strong | Exceptional | $642Fees | 0.216%Above | 665 | |
5 | Elements Financial Federal Credit UnionCredit Union | Exceptional | Exceptional | Strong | Sound | Exceptional | $1,100Fees | 0.112%Above | 500 | |
6 | INDIANA MEMBERS CREDIT UNIONCredit Union | Exceptional | Exceptional | Strong | Sound | Exceptional | $1,094Fees | 0.280%Below | 466 | |
7 | Three Rivers Federal Credit UnionCredit Union | Exceptional | Strong | Strong | Strong | Exceptional | $994Fees | 0.285%Above | 1,246 | |
8 | VICTORY MORTGAGE, L.L.C.Independent Mortgage Company | Exceptional | Exceptional | — | Strong | Strong | $632Fees | 0.030%Below | 254 | |
9 | ROCKET MORTGAGE, LLCIndependent Mortgage Company | Exceptional | Sound | Exceptional | Strong | Exceptional | $3,509Fees | 0.481%Above | 6,448 | |
10 | UNITED WHOLESALE MORTGAGE, LLCIndependent Mortgage Company | Exceptional | Sound | Exceptional | Strong | Exceptional | $2,474Fees | 0.318%Above | 3,640 | |
11 | JPMorgan Chase Bank, National AssociationBank | Exceptional | Sound | Exceptional | Strong | Exceptional | $1,932Fees | 0.269%Above | 2,061 | |
12 | First Financial BankBank | Exceptional | Sound | Exceptional | Strong | Exceptional | $1,327Fees | 0.531%Above | 700 | |
13 | Jackson County BankBank | Exceptional | Strong | Strong | Strong | Strong | $954Fees | 0.082%Above | 272 | |
14 | Centier BankBank | Strong | Sound | Strong | Strong | Exceptional | $655Fees | 0.522%Above | 575 | |
15 | FORUMCredit Union | Strong | Strong | — | Sound | Exceptional | $1,106Fees | 0.052%Above | 469 | |
16 | Horizon BankBank | Strong | Sound | Strong | Strong | Exceptional | $1,577Fees | 0.440%Above | 468 | |
17 | 1st Source BankBank | Strong | Sound | Strong | Strong | Exceptional | $1,043Fees | 0.377%Above | 433 | |
18 | Regions BankBank | Strong | Sound | Exceptional | Strong | Strong | $1,570Fees | 0.473%Above | 376 | |
19 | Merchants Bank of IndianaBank | Strong | Sound | Strong | Exceptional | Strong | $1,347Fees | 0.237%Above | 232 | |
20 | FAIRWAY INDEPENDENT MORTGAGE CORPORATIONIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Exceptional | $2,757Fees | 0.617%Above | 2,784 | |
21 | First Merchants BankBank | Strong | Acceptable | Exceptional | Strong | Exceptional | $1,223Fees | 0.290%Above | 956 | |
22 | Union Savings BankBank | Strong | Acceptable | Exceptional | Strong | Exceptional | $911Fees | 0.189%Above | 790 | |
23 | CROSSCOUNTRY MORTGAGE, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $3,158Fees | 0.696%Above | 1,396 | |
24 | The Huntington National BankBank | Strong | Acceptable | Exceptional | Strong | Strong | $1,093Fees | 0.440%Above | 951 | |
25 | LibertyCredit Union | Strong | Acceptable | Strong | Strong | Exceptional | $999Fees | 0.350%Above | 869 | |
26 | First Federal Savings BankBank | Strong | Acceptable | Strong | Strong | Exceptional | $1,431Fees | 0.614%Above | 499 | |
27 | STAR Financial BankBank | Strong | Sound | Strong | Sound | Strong | $1,264Fees | 0.144%Above | 227 | |
28 | Security Federal Savings BankBank | Strong | Sound | — | Sound | Strong | $742Fees | 0.365%Above | 206 | |
29 | Flagstar Bank, N.A.Bank | Sound | Mediocre | Exceptional | Sound | Strong | $1,965Fees | 0.449%Above | 483 | |
30 | Farm Credit Mid-America, ACAIndependent Mortgage Company | Sound | Mediocre | Exceptional | Sound | Strong | $4,928Fees | 0.521%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.