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 | $1,004Fees | 0.183%Above | 494 | |
2 | The Huntington National BankBank | Exceptional | Strong | Exceptional | Strong | Exceptional | $1,042Fees | 0.408%Above | 531 | |
3 | Elements Financial Federal Credit UnionCredit Union | Exceptional | Exceptional | Sound | Strong | Exceptional | $1,096Fees | 0.115%Above | 452 | |
4 | VICTORY MORTGAGE, L.L.C.Independent Mortgage Company | Exceptional | Exceptional | Strong | Strong | Strong | $628Fees | 0.050%Below | 223 | |
5 | EVERWISE CREDIT UNIONCredit Union | Exceptional | Exceptional | Strong | Strong | Strong | $430Fees | 0.201%Above | 109 | |
6 | UNITED WHOLESALE MORTGAGE, LLCIndependent Mortgage Company | Exceptional | Sound | Exceptional | Exceptional | Exceptional | $2,607Fees | 0.279%Above | 1,801 | |
7 | VANDERBILT MORTGAGE AND FINANCE, INC.Independent Mortgage Company | Exceptional | Sound | Exceptional | Exceptional | Exceptional | $4,291Fees | 0.004%Above | 966 | |
8 | FREEDOM MORTGAGE CORPORATIONIndependent Mortgage Company | Exceptional | Strong | Exceptional | Strong | Strong | $1,950Fees | 0.346%Above | 501 | |
9 | Old National BankBank | Exceptional | Exceptional | Strong | Sound | Strong | $863Fees | 0.418%Below | 342 | |
10 | KeyBank National AssociationBank | Exceptional | Exceptional | Strong | Sound | Strong | $966Fees | 0.234%Above | 190 | |
11 | Prosperity Home Mortgage, LLCIndependent Mortgage Company | Exceptional | Strong | Exceptional | Strong | Strong | $2,107Fees | 0.299%Above | 100 | |
12 | M/I FINANCIAL, LLCIndependent Mortgage Company | Exceptional | Sound | Exceptional | Strong | Exceptional | $6,197Fees | 0.533%Below | 414 | |
13 | Fifth Third Bank, National AssociationBank | Exceptional | Strong | Exceptional | Sound | Strong | $696Fees | 0.264%Above | 409 | |
14 | INDIANA MEMBERS CREDIT UNIONCredit Union | Exceptional | Exceptional | Sound | Acceptable | Exceptional | $1,106Fees | 0.235%Below | 323 | |
15 | GoodLeap, LLCIndependent Mortgage Company | Exceptional | Strong | Exceptional | Sound | Strong | $4,021Fees | 0.032%Above | 210 | |
16 | PENNYMAC LOAN SERVICES, LLCIndependent Mortgage Company | Exceptional | Strong | Exceptional | Sound | Strong | $1,428Fees | 0.038%Below | 144 | |
17 | U.S. Bank National AssociationBank | Exceptional | Strong | Exceptional | Sound | Strong | $582Fees | 0.150%Above | 121 | |
18 | ROCKET MORTGAGE, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $3,533Fees | 0.386%Above | 2,281 | |
19 | FAIRWAY INDEPENDENT MORTGAGE CORPORATIONIndependent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $2,630Fees | 0.552%Above | 1,580 | |
20 | MJW FINANCIAL LLCIndependent Mortgage Company | Strong | Sound | Strong | Strong | Exceptional | $1,564Fees | 0.354%Above | 1,020 | |
21 | NEWREZ LLCIndependent Mortgage Company | Strong | Sound | Exceptional | Sound | Exceptional | $2,167Fees | 0.470%Above | 731 | |
22 | UNION HOME MORTGAGE CORP.Independent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $2,193Fees | 0.661%Above | 647 | |
23 | First Merchants BankBank | Strong | Strong | Strong | Sound | Strong | $976Fees | 0.254%Above | 254 | |
24 | LOANDEPOT.COM, LLCIndependent Mortgage Company | Strong | Sound | Exceptional | Strong | Strong | $3,102Fees | 0.456%Above | 251 | |
25 | PNC Bank, National AssociationBank | Strong | Strong | Strong | Sound | Strong | $463Credit | 0.260%Above | 210 | |
26 | The State Bank and Trust CompanyBank | Strong | Strong | Sound | Strong | Strong | $1,022Fees | 0.146%Above | 162 | |
27 | Flagstar Bank, N.A.Bank | Strong | Sound | Exceptional | Strong | Strong | $1,637Fees | 0.547%Above | 159 | |
28 | FLAT BRANCH MORTGAGE, INC.Independent Mortgage Company | Strong | Sound | Exceptional | Exceptional | Sound | $1,686Fees | 0.297%Above | 83 | |
29 | RUOFF MORTGAGE COMPANY, INC.Independent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Exceptional | $1,858Fees | 0.375%Above | 1,232 | |
30 | JPMorgan Chase Bank, National AssociationBank | Strong | Sound | Strong | Sound | Exceptional | $1,887Fees | 0.209%Above | 765 | |
31 | FORUMCredit Union | Strong | Strong | Sound | Acceptable | Exceptional | $1,168Fees | 0.018%Above | 411 | |
32 | HOWARD HANNA FINANCIAL SERVICES, INC.Independent Mortgage Company | Strong | Sound | Strong | Strong | Strong | $2,196Fees | 0.363%Above | 264 | |
33 | FIRST COMMUNITY MORTGAGE, INC.Independent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | Strong | $3,767Fees | 0.628%Above | 240 | |
34 | Regions BankBank | Strong | Sound | Exceptional | Sound | Strong | $1,401Fees | 0.415%Above | 165 | |
35 | PRIMELENDING, A PLAINSCAPITAL COMPANYIndependent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | Strong | $2,728Fees | 0.596%Above | 117 | |
36 | Centier BankBank | Strong | Strong | Sound | Sound | Strong | $569Fees | 0.554%Above | 105 | |
37 | THE LOAN STORE, INC.Independent Mortgage Company | Strong | Sound | Exceptional | Strong | Sound | $1,970Fees | 0.371%Above | 83 | |
38 | GVC MORTGAGE, INC.Independent Mortgage Company | Strong | Mediocre | Exceptional | Exceptional | Exceptional | $3,161Fees | 0.446%Above | 1,693 | |
39 | GUILD MORTGAGE COMPANY LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $2,085Fees | 0.440%Above | 421 | |
40 | HALLMARK HOME MORTGAGE, LLCIndependent Mortgage Company | Strong | Mediocre | Exceptional | Exceptional | Exceptional | $2,260Fees | 0.506%Above | 337 | |
41 | GUARANTEED RATE, INC.Independent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $1,977Fees | 0.371%Above | 261 | |
42 | MILESTONE HOME LENDING, LLCIndependent Mortgage Company | Strong | Acceptable | Strong | Strong | Exceptional | $3,338Fees | 0.624%Above | 235 | |
43 | LOWER, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $1,843Fees | 0.581%Above | 135 | |
44 | CMG MORTGAGE, INC.Independent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $2,132Fees | 0.567%Above | 105 | |
45 | Sierra Pacific Mortgage Company, Inc.Independent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $2,806Fees | 0.249%Above | 99 | |
46 | STOCKTON MORTGAGE CORPORATIONIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $2,778Fees | 0.660%Above | 89 | |
47 | Gateway First BankBank | Strong | Acceptable | Exceptional | Strong | Strong | $2,721Fees | 0.507%Above | 88 | |
48 | Mortgage Research Center, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Sound | Strong | $1,742Fees | 0.444%Above | 520 | |
49 | The Federal Savings BankBank | Strong | Acceptable | Exceptional | Sound | Strong | $3,906Fees | 0.672%Above | 238 | |
50 | CARRINGTON MORTGAGE SERVICES, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Sound | Strong | $3,578Fees | 0.269%Above | 121 |
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.