Safe Rate Rankings
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| Rank | Lender | Overall | Pricing | Pull Through | Place | Avg Fees | Rate Spread | # of Loans | Action |
|---|---|---|---|---|---|---|---|---|---|
1 | Elements Financial Federal Credit UnionCredit Union | Exceptional | Exceptional | Strong | Exceptional | $1,096Fees | 0.115%Above | 452 | |
2 | Old National BankBank | Exceptional | Exceptional | Strong | Strong | $863Fees | 0.418%Below | 342 | |
3 | INDIANA MEMBERS CREDIT UNIONCredit Union | Exceptional | Exceptional | Sound | Exceptional | $1,106Fees | 0.235%Below | 323 | |
4 | VICTORY MORTGAGE, L.L.C.Independent Mortgage Company | Exceptional | Exceptional | Strong | Strong | $628Fees | 0.050%Below | 223 | |
5 | EVERWISE CREDIT UNIONCredit Union | Exceptional | Exceptional | Strong | Strong | $430Fees | 0.201%Above | 109 | |
6 | The Huntington National BankBank | Exceptional | Strong | Strong | Exceptional | $1,042Fees | 0.408%Above | 531 | |
7 | NAVY FEDERAL CREDIT UNIONCredit Union | Exceptional | Exceptional | Sound | Strong | $594Fees | 0.446%Below | 137 | |
8 | PROVIDENT FUNDING ASSOCIATES, L.P.Independent Mortgage Company | Exceptional | Exceptional | Sound | Strong | $1,085Fees | 0.037%Above | 121 | |
9 | UNITED WHOLESALE MORTGAGE, LLCIndependent Mortgage Company | Strong | Sound | Exceptional | Exceptional | $2,607Fees | 0.279%Above | 1,801 | |
10 | VANDERBILT MORTGAGE AND FINANCE, INC.Independent Mortgage Company | Strong | Sound | Exceptional | Exceptional | $4,291Fees | 0.004%Above | 966 | |
11 | FORUMCredit Union | Strong | Strong | Sound | Exceptional | $1,168Fees | 0.018%Above | 411 | |
12 | Fifth Third Bank, National AssociationBank | Strong | Strong | Strong | Strong | $696Fees | 0.264%Above | 409 | |
13 | First Merchants BankBank | Strong | Strong | Strong | Strong | $976Fees | 0.254%Above | 254 | |
14 | PNC Bank, National AssociationBank | Strong | Strong | Strong | Strong | $463Credit | 0.260%Above | 210 | |
15 | KeyBank National AssociationBank | Strong | Strong | Strong | Strong | $966Fees | 0.234%Above | 190 | |
16 | The State Bank and Trust CompanyBank | Strong | Strong | Strong | Strong | $1,022Fees | 0.146%Above | 162 | |
17 | U.S. Bank National AssociationBank | Strong | Strong | Strong | Strong | $582Fees | 0.150%Above | 121 | |
18 | Bank of America, National AssociationBank | Strong | Strong | Strong | Strong | $1,012Fees | 0.044%Below | 102 | |
19 | RUOFF MORTGAGE COMPANY, INC.Independent Mortgage Company | Strong | Sound | Strong | Exceptional | $1,858Fees | 0.375%Above | 1,232 | |
20 | MJW FINANCIAL LLCIndependent Mortgage Company | Strong | Sound | Strong | Exceptional | $1,564Fees | 0.354%Above | 1,020 | |
21 | JPMorgan Chase Bank, National AssociationBank | Strong | Sound | Strong | Exceptional | $1,887Fees | 0.209%Above | 765 | |
22 | Union Savings BankBank | Strong | Sound | Strong | Exceptional | $1,004Fees | 0.183%Above | 494 | |
23 | FIRST EQUITY MORTGAGE INCORPORATEDIndependent Mortgage Company | Strong | Strong | Sound | Strong | $1,005Fees | 0.126%Above | 128 | |
24 | Centra Credit UnionCredit Union | Strong | Sound | Exceptional | Strong | $897Fees | 0.254%Above | 102 | |
25 | Wells Fargo Bank, National AssociationBank | Strong | Strong | Sound | Strong | $2,059Fees | 0.124%Above | 90 | |
26 | Jackson County BankBank | Strong | Strong | Sound | Strong | $1,174Fees | 0.154%Above | 80 | |
27 | ROCKET MORTGAGE, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | $3,533Fees | 0.386%Above | 2,281 | |
28 | FAIRWAY INDEPENDENT MORTGAGE CORPORATIONIndependent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | $2,630Fees | 0.552%Above | 1,580 | |
29 | UNION HOME MORTGAGE CORP.Independent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | $2,193Fees | 0.661%Above | 647 | |
30 | FREEDOM MORTGAGE CORPORATIONIndependent Mortgage Company | Strong | Sound | Strong | Strong | $1,950Fees | 0.346%Above | 501 | |
31 | GUARANTEED RATE, INC.Independent Mortgage Company | Strong | Sound | Strong | Strong | $1,977Fees | 0.371%Above | 261 | |
32 | LOANDEPOT.COM, LLCIndependent Mortgage Company | Strong | Sound | Strong | Strong | $3,102Fees | 0.456%Above | 251 | |
33 | Merchants Bank of IndianaBank | Strong | Sound | Strong | Strong | $1,383Fees | 0.156%Above | 192 | |
34 | Regions BankBank | Strong | Sound | Strong | Strong | $1,401Fees | 0.415%Above | 165 | |
35 | PENNYMAC LOAN SERVICES, LLCIndependent Mortgage Company | Strong | Sound | Strong | Strong | $1,428Fees | 0.038%Below | 144 | |
36 | Centier BankBank | Strong | Sound | Strong | Strong | $569Fees | 0.554%Above | 105 | |
37 | First Financial BankBank | Strong | Sound | Strong | Strong | $1,565Fees | 0.467%Above | 103 | |
38 | FLAT BRANCH MORTGAGE, INC.Independent Mortgage Company | Strong | Sound | Exceptional | Sound | $1,686Fees | 0.297%Above | 83 | |
39 | CROSSCOUNTRY MORTGAGE, LLCIndependent Mortgage Company | Strong | Acceptable | Strong | Exceptional | $2,829Fees | 0.636%Above | 804 | |
40 | GUILD MORTGAGE COMPANY LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | $2,085Fees | 0.440%Above | 421 | |
41 | M/I FINANCIAL, LLCIndependent Mortgage Company | Strong | Acceptable | Strong | Exceptional | $6,197Fees | 0.533%Below | 414 | |
42 | FIRST COMMUNITY MORTGAGE, INC.Independent Mortgage Company | Strong | Acceptable | Exceptional | Strong | $3,767Fees | 0.628%Above | 240 | |
43 | GoodLeap, LLCIndependent Mortgage Company | Strong | Sound | Sound | Strong | $4,021Fees | 0.032%Above | 210 | |
44 | PRIMELENDING, A PLAINSCAPITAL COMPANYIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | $2,728Fees | 0.596%Above | 117 | |
45 | CMG MORTGAGE, INC.Independent Mortgage Company | Strong | Acceptable | Exceptional | Strong | $2,132Fees | 0.567%Above | 105 | |
46 | MUTUAL OF OMAHA MORTGAGE, INC.Independent Mortgage Company | Strong | Sound | Sound | Strong | $1,290Fees | 0.105%Above | 102 | |
47 | STAR Financial BankBank | Strong | Sound | Sound | Strong | $1,050Fees | 0.063%Above | 89 | |
48 | USAA Federal Savings BankBank | Strong | Sound | Sound | Strong | $1,762Fees | 0.163%Below | 89 | |
49 | Mortgage Research Center, LLCIndependent Mortgage Company | Strong | Acceptable | Strong | Strong | $1,742Fees | 0.444%Above | 520 | |
50 | HOWARD HANNA FINANCIAL SERVICES, INC.Independent Mortgage Company | Strong | Acceptable | Strong | Strong | $2,196Fees | 0.363%Above | 264 |
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.